Commercial Lines Home
Antiques and Collectibles
Automobile Service Stations
Convenience Store Program
Food Service Risks
Artisan Package Policy
Office PAK Program
EPL Insurance
BOP Classes
|
Letter designation (may vary by state) |
Program Type |
| A | Apartment |
| ART | Artisan |
| FS / R, or BBDP | Food Service/ Restaurant |
| CS | Convenience Store |
| AS / RG | Auto Service/ Repair Garage |
| R | Retail |
| O | Office |
| S | Service |
| T | Tavern |
| Class | Type of Occupancy |
| Antiques | R |
| Apartments | A |
| Appliance Sales ( Not TV or VCR) | R |
| Appliance Service & Repair | R |
| Auto Parts and Accessories | R |
| Bagel Stores (No Baking or Cooking) | BBDP/FS |
| Bagel Stores (Baking Only) | BBDP/FS |
| Bagel Stores (With Cooking) | BBDP/FS |
| Bakeries (No Baking or Cooking) | FS/R |
| Bakeries ( Baking only) | FS/R |
| Bakeries (With Cooking) | FS/R |
| Barber & Beauty Supplies | R |
| Barber Shops | S |
| Beauty Parlors | S |
| Beverages (no Liquor) | R |
| Beverages (with beer & wine) | R |
| Body Repair & Collision | RG/AS |
| Books & Magazines | R |
| Cameras & Photographic Equipment | R |
| Candy, Nut, or Confectionery Store ( no Cooking) | R |
| Candy, Nut or Confectionery Store (with Cooking) | FS/R |
| Carpets & Rugs | R |
| Clothing Stores | R |
| Coin-Op Laundries & Dry Cleaners (attended) | S |
| Convenience Stores (no cooking) with gas sales | CS |
| Convenience Stores (with cooking) with gas sales | CS |
| Copy & Duplicating | S |
| Curtain & Draperies (less than 25 % installation) | R |
| Deli (with cooking) | BBDP/FS |
| Deli (cooking with household appliances) | BBDP/FS |
| Deli (no cooking ) | BBDP/FS |
| Dental Laboratories | S |
| Department stores (under $ 500,000 sales) | R |
| Department stores (over $ 500,000 sales) | R |
| Detailing (Pinstriping, waxing, buffing) | AS |
| Drug Store (with cooking) | R |
| Drug Store ( no cooking) | R |
| Dry Cleaning Plants (except rugs) and Industrial laundries | S |
| Dry Cleaning (Pick up, no cleaning on premises) | S |
| Electrical Repair / Installation | AS/RG |
| Electrotyping | S |
| Engravers | S |
| Fabrics | R |
| Floor Covering (less than 25 % installation) | R |
| Florists | R |
| Furniture | R |
| Garden or Lawn Supplies | R |
| General repair (with gas) | AS |
| General repair ( without gas) | AS |
| General Stores | R |
| Gift Stores | R |
| Glass Installation | AS |
| Glass, Paint, Wallpaper Stores | R |
| Greeting Cards / Stationery Stores | R |
| Groceries (less than $500,000 annual sales) | R |
| Groceries ( under 2000 sq. ft.) | R |
| Hardware | R |
| Health Food Stores | R |
| Hobby / Craft | R |
| Ice Cream (no Cooking) | R |
| Kitchen Accessories Store | R |
| Laundries and Dry Cleaning Pickup ( no cleaning on premises) | S |
| Leather Products ( not shoes) | R |
| Letter Service | S |
| Linen Supply | R |
| Linotyping | S |
| Liquor Stores | R |
| Lithographers | S |
| Meat, Seafood, or Poultry Stores | R |
| Novelty Stores | R |
| Office | O |
| Office Machines ( not computers) | R |
| Oil change & Lube | AS |
| Optical Goods | R |
| Paint and Pinstriping | AS/RG |
| Paint, Glass, Wallpaper | R |
| Pet Shops | R |
| Photoengraving | S |
| Photofinishing Labs | S |
| Photographic Studios | S |
| Pizza (Baking only) | FS/R |
| Pizza ( with Cooking) | FS/R |
| Power Laundries ( not auto) | S |
| Printing-Commercial & related Services | S |
| Radio or TV sales ( less than 25 % installation) | R |
| Record or Tape Stores | R |
| Restaurants | BBDP/FS/R |
| Retail NOC | R |
| Rustproofing, undercoat or glazing | AS |
| Sewing Machine Store | R |
| Shoe Repair | S |
| Shoe Stores | R |
| Sound or Communication Equip Repair or installation | AS |
| Souvenir Stores | R |
| Sporting Goods Stores ( no used equip or repair) | R |
| Supermarkets / Groceries over $ 500,000 sales | R |
| Tailors | S |
| Taverns | T |
| Television or Radio Repair & Service | S |
| Toy Store | R |
| Transmission Shops | AS/RG |
| Tune ups / Emissions Testing | AS/RG |
| Tuxedo Rental | S |
| Upholstery Goods Store (under 25 % work performed) | R |
| Upholstery Tops, Sunroofs, repair or installation | AS/RG |
| Vacuum Cleaners Sales & Service | R |
| Variety Stores | R |
| Video Tape Rental | R |
| Wallpaper. Paint & Glass Store | R |
| Watch , Clock, Jewelry Repair | S |
| Wholesale NOC | R |
