CenCal Insurance Services Commercial Lines Manual

CenCal Insurance Services Commercial Lines Manual Classification Table

Description Dairy Products Mfg. Dairy Products Or Butter And Egg Stores – Not-For-Profit Only Dairy Products Or Butter And Egg Stores – Other Than Not-For-Profit Dance Halls, Ballrooms Or Discotheques – Not-For-Profit Only Dance Halls, Ballrooms Or Discotheques – Other Than Not-For Profit

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FIRE

CRIME

Class Code

Class Code

2000

3110

0532 (2) 0532 (2) 0846 (6) 0846 (6)

4452 4452 7130 7130

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 (1) 1 (1) 1 (1) 4 (8) 4 (8)

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s

52002

Comments & Application Coding

52002 (a) (b)

5,000

s

5,000

s

15,000

s+

15,000

s+

11259 (3) 11258 (3) 11274 (7) (12)(13) 11273 (7) (12)(13)

11259 (a) (b) (o) (p) 11258 (12) (12)

CCIS 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001

(a) (b) (o) (p) Non Admitted Only (a) (b) (i) (p) (q) Non Admitted Only (a) (b) (i) (p) (q)

68

CenCal Insurance Services Commercial Lines Manual Classification Table (1) C, E and H – Excluding Supermarkets as defined in the “Supermarkets” classification. C – Rate Group 4. This footnote does not apply to Contents, Fire. (2) Sole occupancy and over 15,000 square feet, use Code 0432. (3) This classification is not applicable to stores serving food or beverages for consumption on premises nor to stores selling products other than dairy products and eggs. (11259) (11258) (4) Basis of premium is each dam, levee or dike. (41700) (5) This classification applies to all operations other than blasting. (91618) (6) No cooking. Refer to “Restaurants” classifications if cooking is done on premises. Refer to “Schools – Trade or Vocational” for Dance Schools. (7) This classification applies to establishments with incidental food or drink facilities but no table services. This classification does not apply to dance schools, nightclubs, cabarets or other similar establishments. (11274) (11273)

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(8) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (9) Coverage does not apply to medical payments to attendees. Use Exclusion – Medical Payments To Children (Day Care Centers) Endorsement CG 22 40. Basis of premium is per person. Per person should be determined by using the average daily attendance. (41716) (41715) (10) Contractors storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications. (11) This classification applies to those risks solely engaged in the removal of debris in connection with construction or erection. Salvage operations shall be separately classified and rated. (91629) (12) Refer to Company (13) Attach Assault and Battery Exclusion SL-4


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Description Decorating Delicatessens

FIRE

CRIME

Class Code

Class Code

*

5414

(2)

7225

Department Or Discount Stores

0567

4520

Diagnostic Testing Laboratories

0921

6210

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CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 3 (4) (5) (6) 3 (8) 2 (10)

GENERAL LIABILITY Premium Premises Products Base Code Code

5,000 5,000

s

25,000

s

5,000

s+

* (1) 11288 (3) 12356 (7) 46112 (9)


* (a) (b) (n) (p) (q) 11288 (3) 12356 (7) Included


(a) (b) (n) (p) (q)

(a) (b) (o) Non-Admitted Only (a) (b)

70

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Refer to “Consultants – NOC”. (2) With cooking, use Code 0542. Without cooking, use Code 0532. (3) If food is served for consumption on premises, classify and rate under the appropriate restaurant classification. (11288) (4) SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (5) C, E and H – Retail – Excluding Supermarkets as defined in the “Supermarket” classification. C – Rate Group 4. This footnote does not apply to Contents, Fire. (6) C – Wholesale dealers, use Rate Group 2. This footnote does not apply to Contents, Fire. (7) Professional services are excluded. Use Exclusion – Special Therapeutic Or Cosmetic Services Endorsement CG 22 45. This classification must apply to each location of a risk at which all the following conditions exists: (a) The insured must employ an average of at least twenty-five employees (full-time or the equivalent thereof) excluding drivers and their helpers.

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(b) The merchandise must include: (i) Wearing apparel (ii) Household furnishings (other than furniture) (iii) One or more of the following: • Cosmetics • Drugs • Furniture • Groceries or meats • Hardware • Jewelry • Luggage • Musical Instruments • Sporting goods • Toys (c) The total annual sales of Items b.(i) and b.(ii) must exceed 50% of the total annual sales. This classification is not applicable to Variety Stores. Restaurants shall be separately classified and rated. (12356) (8) Department Stores – Excluding Supermarkets as defined in the “Supermarkets” classification (applicable only in towns of 3000 or more population)., to qualify for this classification the insured must maintain departments for dealing in not less than 5 of the following classes of merchandise: Boots and Shoes, Carpets and Rugs, Clothing, Furniture, Groceries, Hardware, House Furnishings, Jewelry, Kitchen Utensils, Musical Instruments, Textiles, Trunks and Bags. C – Rate Group 5. This footnote does not apply to Contents, Fire. (9) Professional services are excluded. Use Exclusion – Diagnostic Testing Laboratories Endorsement CG 21 59. If professional coverage is desired, classify and rate in accordance with the Professional Liability Division. (46112) (10) Excludes Drug Distributors and Stores.


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CenCal Insurance Services Commercial Lines Manual Classification Table FIRE

Description Distributors – Food Or Drink Distributors – No Food Or Drink Door Or Window Mfg. – Wood Door Or Window Mfg. – Other Than Wood Door, Window Or Assembled Millwork – Installation – Metal

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CRIME

CRIME AND CONTENTS, FIRE Rate Class Group Limit


Class Code

Class Code

(4)

*

*

---

s

*

*

*

---

s

3959 * (8)

3210 3220 2350

1 1 1 (10)

5,000 5,000 5,000

s s p

12361 NOC 12362 NOC 52315 (7) 52134 NOC (7) 91746 (9)


12361 (a) (b) 12362 (a) (b) 52315 (a) (b) 52134 (a) (b) 91746


(a) (b)

72

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractor’s office, use Code 0702 and CPP PMA C or O. For all other occupancies, use CPP PMA C. (2) This classification applies to all operations other than blasting. (91641) (3) The following shall be separately classified and rated: (52150) • Asphalt or tar distillation • Food manufacturing • Liquor manufacturing • Oil or fuel refineries (4) Wholesale or warehouse stock of farm products other than grain, seeds, beans, cotton or tobacco, use Code 1251. Wholesale or warehouse stock of alcoholic beverages, use Code 0531. Wholesale or warehouse stock when the principal stock is not alcoholic beverages or farm products, use Code 0532. (5) This classification applies to risks engaged in commercial diving operations only. (91666) (6) This classification includes the bulk loading or unloading of barges or vessels and stevedoring. Grain elevator operations shall be separately classified and rated. (91722)

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(7) This classification includes frame, sash, molding or trim. (52315) (52134) (8) Use Code 0567. This code applies to metal or wood. (9) The installation of doors or windows not metal shall be classified as “Carpentry”. (91746) (10) C – Building Materials Dealers, Rate Group 2. E and H – Excluding hardware, electrical equipment and supplies, and heating and plumbing equipment and supplies. This footnote does not apply to Contents, Fire. (11) Refer to “Boarding or Rooming Houses”. (12) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (13) Dormitories operated in conjunction with any risk other than “Schools” are included in the governing classification. School dormitories shall be classified and rated as “Schools – dormitory facilities”. (14) E, H – Fraternities or Dormitories – Excluding restaurant operations, wines or liquors, use Rate Group 1. This footnote does not apply to Contents, Fire.


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Description Driveway, Parking Area Or Sidewalk – Paving Or Repaving

CRIME

Class Code

Class Code

*

2350

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1

5,000

(1) (2) (3) (4) (5)

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GENERAL LIABILITY Premium Premises Products Base Code Code p

92215 (1)(3)(4)(5)

92215 (1)(2) (3)(4) (5)

Comments & Application Coding Commercial Work Only

(a) (b) (d1) (s)

No street or road construction Use Exclusion Products/Completed Operations Hazard CG2104 Attach Pre Existing Damages Exclusion SL-63 Attach Contractors Supplemental Application NAA-110 Attach Residential Projects Exclusion EAA 148


74


CRIME

Class Code

Class Code

Drugstores

0562

4461

Drugstores – No Table Or Counter Service For Beverage Or Food

0562

4461

Drums Or Containers Mfg. – Metal

6850

Drums Or Containers Mfg. – Plastic Dry Goods Dealers – Retail (Including Fabrics, Yarn And Piece Goods)

Description

Dry Wall Or Wallboard Installation

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25,000

s

25,000

s

3320

3 (2) (3) 3 (2) (3) 1

5,000

s

5500

3260

1

5,000

s

0567

4510

2 (5) 1

15,000

(6)

2350

5,000

p

12375 NOC (1) 12374 (1) 52401

12375

52402 (11) * (4) 92338 (12)(13)(14) (15)

52402

Comments & Application Coding (a) (b) (o) (p)

12374 52401

* (4) 92338


(a) (b) (o) (p) Non-Admitted Only (a) (b) Non-Admitted Only (a) (b) (a) (b) (o) (p) Commercial Work Only (a) (b) (d1) (s)

75

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Products coverage under this classification includes professional coverage. Use Druggists Endorsement CG 22 69. If products coverage is not provided, use Exclusion – Products And Professional Services (Druggists) Endorsement CG 22 36. (12375) (12374) (2) C – Rate Group 4. SBF, SBR – Including Druggist Sundries, use Rate Group 2. This footnote does not apply to Contents, Fire. (3) E, H – If excluding narcotics, prescription drugs, wines, liquors, tobacco products and smokers articles, use Rate Group 1, Class Limit $15,000. This footnote does not apply to Contents, Fire. (4) Refer to “Stores – no food or drink – NOC”. (5) E, H – Dry Goods – Excluding furs. This footnote does not apply to Contents, Fire. (6) Contractors storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications.

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(7) Coverage does not apply to medical payments. Use Exclusion – Coverage C – Medical Payments Endorsement CG 21 35. (43117) The following shall be separately classified and rated: • Swimming pools • Bathing beaches • Skeet shooting or trap • Shooting ranges • Saddle animals • Motor or Sailboats (8) If low hazard (non-combustible), use Code 5000. If moderate hazard (combustible or free burning), use Code 5050. If high hazard (rapid burning),use Code 5100. (9) This classification includes manufacturing of ingredients. Manufacturing of biological products shall be separately classified and rated. (52342) (52343) (10) For Businessowners Limited Cooking and Fast Food Restaurants, refer to Restaurant Classifications rates of CLM Division Nine – Multiple Line – Businessowners Subdivision. (11) No reconditioning (12) Attach Pre Existing Damage Exclusion Sl-63 (13) Attach Indoor Air Quality Exclusion EPA-353 (14) Attach Contractors Supplemental Application NAA-110 (15) Attach Residential Projects Exclusion EAA-148


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CRIME



Class Code

Class Code

Dwellings – One-Family (Lessor’s Risk Only)

0196 (1) (3)

5310

(7)

t+

Dwellings – Two-Family (Lessor’s Risk Only)

0197 (1) (3)

5310

(7)

t+

Dwellings – Three-Family (Lessor’s Risk Only)

0198 (1) (3)

5310

(7)

t+

Dwellings – Four-Family (Lessor’s Risk Only)

0198 (1) (3)

5310

(7)

t+

Description

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63010 (3) (4) (8) (9) (10) (11) 63011 (4) (5) (8) (9) (10) (11) 63012 (4) (5) (8) (9) (10) (11) 63013 (4) (5) (8) (9) (10) (11)

Included

Comments & Application Coding Non-Admitted Only (a) (b) (k) (p) (q)

Included

Non-Admitted Only (a) (b) (k) (p) (q)

Included


Included



77

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification refers to dwellings (and appurtenant structures such as garages) written in conjunction with a commercial risk or written under a commercial package policy. If the above class code, and corresponding rates, are not provided in the state pages of the CLM Division Five (Rule 85.), refer to the Dwelling Policy Program and use Class Code 0199. (2) Eligible if not eligible to Homeowners or Farmowners/Ranchowners programs. (3) This classification includes dwellings or apartments owned by corporations and similar insureds who allow employees or others to occupy the dwelling with or without leasing or renting. This classification also includes time-sharing apartment units owned by corporations for use exclusively by their executives or other employees. (63010) (4) This classification does not apply to buildings designed or occupied for both dwelling and business purposes, except incidental office, professional, private school or studio occupancy. Basis of premium is each dwelling. (63010) (63011) (63012) (63013)

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(5) This classification includes dwellings owned by corporations and similar insureds who allow employees or others to occupy the dwelling with or without leasing or renting. (63011) (63012) (63013) (6) No mercantile occupancy, use Code 65141. With mercantile occupancy, use Code 65142. Residential Condominiums, use Code 69145. (7) Not applicable to Crime. For Contents, Fire, use the Apartments and Condominiums Special Form contents rate in the CLM Division Five, for lessor’s contents. For Businessowners, refer to CLM Division Nine State Rates. (8) Attach Exclusion – Water Damage – SL-3 (9) Attach Exclusion Injuries Caused By Animals – SL-2 (10) Attach Exclusion – Lead Liability – SL-31 (11) Referred to company schedules covering five or more dwellings. Texas habitationals prohibited


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Description Electrical Apparatus – Installation, Servicing Or Repair

FIRE

CRIME

Class Code

Class Code

(7)

8112


Electrical Contractors

(9)

No

---

Electrical Equipment Distributors

(7) (16) *

4216

*

Electrical Equipment Mfg. – Other Than For Direct And Indirect Application To The Body

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15,000

GENERAL LIABILITY Premium Premises Products Base Code Code p

---

s

92451 (12)(15)(18) (19)(20)(21)

92451 (12)(15) (18)(20) (21)

* (10)(18)(20) (21)

*

12391

(17)

Comments & Application Coding Commercial Work Only (a) (b) (d1)

Commercial Work Only (a) (b) (d1) (s)

(a) (b) 3350

3 (11) (12)

15,000

s

52432 NOC

(17)


(a) (b)

81

CenCal Insurance Services Commercial Lines Manual Classification Table (7) Repair or service with no sales or storage, use Code 0922, CPP PMA S. Repair or service with sales or storage, use Code 0563, CPP PMA M. (8) Power line construction shall be separately classified and rated. (92451) (9) Contractors storage, use Code 0563 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Offices, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications. (10) Refer to “Electrical Apparatus – installation, servicing or repair” or “Electrical Work – within building”. (11) SBF, SBR – Rate Group 2. (12) E, H – NOC (a) Refrigerators, Dryers, Stoves, Washing Machines, Sewing Machines, Vacuum Cleaners and Accessories (excluding other electrical equipment and appliances), use Rate Group 1, Class Limit $15,000. (b) Electrical Equipment, Parts and Supplies, NOC, Rate Group 2. This footnote does not apply to Contents, Fire. (13) This classification includes the manufacturing of heating pads or blankets, vibrators, massagers, exercisers, curling irons, hairdryers, electric toothbrushes or razors and infrared, ultraviolet or sunray lamps. X-ray, fever or other diathermy machines or equipment shall be separately classified and rated under Medical, Dental or Surgical Diagnostic Treatment Machines or Devices Mfg. (52433) (14) Watch, Clock or Jewelry Repair, use BP Class Code 71941, Rate No. 1, BP Rate Group 10. (15) No power line construction (16) Refer to theft guidelines (17) Refer to company (18) Attach Pre Existing Damages Exclusion SL-63 (19) Attach Indoor Air Quality Exclusion EPA-353 (20) Attach Contractors Supplemental Application NAA-110 (21) Attach Residential Projects Exclusion EAA-148 CCIS 82 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001

(1) Offices, use Code 0702 and CPP PMA O or S. Electric Generating Stations – Public Utilities, use Code 7350 (CPP PMA not applicable). Electric Generating Stations – Private, code the same as the building to which the power is provided. (2) This classification includes maintenance and new construction except for the construction of buildings, dams or reservoirs. This classification excludes injury and damage resulting from brownouts or blackouts. Use Exclusion – Failure To Supply Endorsement CG 22 50. The following shall be separately classified and rated: • Store operations • Installation, servicing or repair of appliances and fixtures • Appliances and other property rented to others • Construction of buildings • Dam or reservoir construction For premium computation purposes include the payroll of outside salesmen, collectors and meter readers. (92445) (92453) (3) E, H – If nuclear, use Rate Group 4, Class Limit $50,000. This footnote does not apply to Contents, Fire. (4) Superintendents, easement solicitors and project coordinators from the time of project initiation to the energizing of any portion of the system must be assigned to the classification “Real Estate Agents” except that the entire payroll of such employees must be assigned to this classification from the beginning of the project if the local cooperative does the preliminary line construction. (92453) (5) This classification is N.P.D. with “Electric Light or Power Companies” or “Electric Light or Power Line Construction”. (92446) (6) This classification is N.P.D. with “Electric Light or Power Cooperatives” or “Electric Light or Power Line Construction”. (92447)

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Description Electrical Parts, Components Or Accessories Mfg.

FIRE

CRIME

Class Code

Class Code

(3)

3350

Electrical Wire Or Cable Mfg.

6850

3320

Electrical Work – Within Buildings

NA

2350

Electronic Components Mfg.

6900

3347

Electronic Games Mfg. Electronics Store Employment Agencies

(8) (22) 0570 (23) (17)

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (1) (2) 3 (1) (2) 4 (15) 3

3395 5434 5613

(1) SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (2) E, H – NOC (a) Refrigerators, Dryers, Stoves, Washing Machines, Sewing Machines, Vacuum Cleaners and Accessories (excluding other electrical equipment and appliances), use Rate Group 1, Class Limit $15,000. (b) Electrical Accessories, Equipment, Parts and Supplies, NOC, Rate Group 2. This footnote does not apply to Contents, Fire. (3) Electrical parts, use Code 6850. CCIS-d-f.Doc

4 (10) 3 1 (19)

15,000


25,000

s

5,000

p

25,000

s

25,000 25,000 5,000

s s a+

52438 NOC (4) 52467 (5) 92478 (6) 52469 (7) 52505 (9) 12393 (16) 43200 (20) (24) (25)

52438 (22) 52467 (22) 92478 52469 (22) 52505 (22) 12393 43200

Comments & Application Coding (a) (b) (a) (b) Commercial Work Only (a) (b) (d1) (s) (a) (b) (a) (b) (a) (b) (o) (p) Non-Admitted Only (a) (b) (f)

(10) Juke Boxes, use Class Code 3620. This footnote does not apply to Contents, Fire. (11) Classify by metal used. (12) Equipment repair only, use Code 0922. Equipment sales or storage, with or without repair, sue Code 0563. (13) Coverage for inspecting, installing, servicing or repairing of elevators manufactured by the insured is available only when concurrent premises/operations and products/completed operations liability insurance for such elevator manufacturing operations is carried in the same company. (92593) (14) Installation, inspection, servicing or repair shall be separately classified and rated. (52581)


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CenCal Insurance Services Commercial Lines Manual Classification Table (4) (5) (6)

(7)

(8)

(9)

Electronic components, use Code 6900. Electronic components shall be separately classified and rated. (52438) This classification includes wire drawing and incidental wire stranding. (52467) This classification applies to risks engaged in wiring in buildings and includes installation or repair of electrical fixtures and appliances and incidental outside work. Installation of alarms or alarm systems and electrical machinery or auxiliary apparatus shall be separately classified and rated. (92478) This classification includes the manufacturing of resistors, condensers, inductors or chokes, diodes, transistors, microchips, thermistors, printed circuits and potentiometers. Electrical parts or accessories manufacturing shall be separately classified and rated. (52469) Electronic components, use Code 6900. Metal parts, heavy, use Code 6810. Metal parts, light, use Code 6850. Plastic parts, use Code 5500. This classification includes juke boxes, slot machines, pinball machines, video games, etc. Video games designed for operation in conjunction with television sets shall be separately classified and rated as “Communication or Recording Systems or Equipment Mfg. – NOC”. (52505)

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(15) Contents, Fire – NA. (16) This classification applies to stores which carry a variety of electronic products, such as audio, video, communication-related products (wire or wireless telephones or pagers), camcorders, auto-focus cameras or electronic calculators, data or information organizers or language related electronic devices, but not major household appliances. Electronics stores which also carry major household appliances shall be classified and rated as “Appliance Stores”. (12393) (17) Governmental, use Code 0701 and CPP PMA 1. Other than Governmental, use Code 0702 and CPP PMA O. (18) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (19) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (20) Personal and Advertising Injury are excluded. Use Exclusion – Personal And Advertising Injury Endorsement CG 21 38. This classification does not apply to agencies which furnish workers to others and maintain an employer-employee relationship with those workers. Such agencies shall be classified and rated as “Sales Or Service Organizations”. (43200) (21) Attach Exclusion – Personal And Advertising Injury Endorsement BP 04 37. (22) Submit to company for quote (23) Refer to theft guidelines (24) See Temporary Employment Agency Guidelines (25) Designate premises only. CG-2144 (26) Use Exclusion Products/Completed Operations Hazard – CG2104


84


CRIME



Class Code

Class Code

Entertainment Performed On Others’ Premises

NA

7110

Equipment, Fixtures Or Supplies – For Bars, Hotels, Offices, Restaurants Or Stores – Distributors Excavation

(10)

4214

*

2350

1

5,000

p

Exhibition Or Convention Buildings – Not-For-profit Only

0843

5310

5,000

a+

Exhibition Or Convention Buildings – Other Than Not-For-Profit

0843

3 (19) 3 (19)

Description

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5310

t+ 3

15,000

5,000

s

a+

43215 (16) 12467 (11)

Included

94007 (12) 63216 (18) (20) 63215 (18) (20)

94007

Comments & Application Coding Non-Admitted Only (a) (b)

12467 (a) (b) Commercial Work Only (a) (b) (d1)

(20) (a) (b) (k) (q) (p) (20)


(a) (b) (k) (q) (p)

85

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Governmental, use Code 0701 and CPP PMA 1. Other than Governmental, use Code 0702 and CPP PMA O. (2) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (3) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (4) Use Code 6810 and CPP PMA IP except that for small engine repair shops only, use Code 0922 and CPP PMA IP or S. (5) This classification applies to risks in the business of providing architectural or engineering consulting services but not engaged in actual construction. Use Exclusion – Engineers, Architects Or Surveyors – Professional Liability Endorsement CG 22 43 to exclude coverage for liability arising out of the insured’ professional services. Draftsmen shall be separately classified and rated. This is an N.P.D. Classification. If the insured is also engaged in actual construction and is assigned, in addition to this classification, to any other contracting classification(s) to reflect the exposure of the insured’s construction operation, do not use Exclusion – Engineers, Architects Or Surveyors – Professional Liability Endorsement CG 22 43. Refer to Rule 28.E. under Division Six – General Liability of the CLM to exclude the insured’s professional services. (92663) (6) E, H – Engineers’ Equipment and Material, excluding hardware, electrical equipment and supplies, and heating and plumbing equipment and supplies, use Rate Group 1. This footnote does not apply to Contents, Fire. (7) Photoengraving, use Code 4809. Engraving other than Photoengraving, use Code 0922. (8) Classify by metal used or object engraved.

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(9) Photoengraving – Class Code 2790, Rate Group 1, Class Limit $15,000. (10) With furniture, use Code 0564. Without furniture, use Code 0567. (11) This classification does not apply to risks dealing principally in furniture. (12467) (12) This classification includes borrowing, filling and back filling. (94007) (13) Engraving, use BP CSP Class Code 71842, BP Rate No. 9. Photoengraving, use BP CSP Class Code 71888, BP Rate No. 9. (14) For Contents, Fire refer to Health or Exercise Clubs. (15) Refer to Health or Exercise Clubs. (16) This classification applies to entertainers, such as musicians, magicians, dancers, disk jockeys, singers and clowns, etc., who perform entertainment on others’ premises for a special private occasion, such as a wedding, birthday, anniversary or other kind of party. Entertainers performing on stage for the general public as pre-engaged entertainment on others’ premises shall be classified and rated as “Theatrical Companies – traveling”. Basis of premium is per show. (43215) (17) This classification includes the making of trophies and plaques. (52660) (18) This classification includes arenas and auditoriums. Refreshment stands shall be separately classified and rated. (63216) (63215) (19) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (20) Refer to company (21) Use Exclusion Products/Completed Operation Hazards. CG-2104


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Description Exhibitions – In Buildings – No Admission Charged – Not-For-Profit Only Exhibitions – In Buildings – No Admission Charged – Other Than NotFor-Profit

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CRIME

Class Code

Class Code

NA

7110

NA

7110

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (5)

5,000

1

15,000


s

63220 (3)(4)(5)

52911

63219 (3)(4)(5)(6)

52967

Comments & Application Coding (a) (b) (k) (q) (p)


(a) (b) (k) (q) (p)

87

CenCal Insurance Services Commercial Lines Manual Classification Table (1) C –Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (2) This classification includes athletic or sports events, trade or educational exhibitions, concerts, meetings and theatrical performances with admission charges. (63218) (63217) (3) Coverage does not apply to bodily injury and medical payments to participants in athletic contests sponsored by the insured. Use Exclusion – Athletic Or Sports Participants Endorsements CG 21 01. (63218) (63217) (63220) (63219) (43421) (43422) (43424)

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(4) Lessors shall be classified and rated as “Exhibition or Convention Buildings”. (63218) (63217) (63220) (63219) (5) Basis of premium is each exhibition. (63220) (63219) (6) This classification applies only to sponsors of individual exhibitions but not to owners or general lessees of the premises. (43421) (43422) (43424) (7) Contents, Fire – NA


88


Description Extracts Mfg. Eye Glass Lens Mfg.

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CRIME

Class Code

Class Code

(3)

3110

*

3395

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (5) 1


5,000

s

15,000

s

52911 (4) 52967 (6)

52911 (4) 52967 (7)


Comments & Application Coding Non-Admitted Only (a) (b) (a) (b)

89

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes the manufacturing of caps, primers and detonators. (52876) (2) For premium computation purposes include the payroll of terminal employees, dispatchers and garage or repair persons. (94099) (3) With no flammable solvents used in process, use Code 2300. With flammable solvents used in process, use Code 5050. (4) This classification includes dyewood, flavoring, licorice, medicinal, perfume or tanning extracts and also includes the distillation of essential oils. (52911)

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(5) E, H – Includes essential oils. This footnote does not apply to Contents, Fire. (6) This classification includes incidental frame manufacturing (52967) The following shall be separately classified and rated: • Contact lens manufacturing • Optical good manufacturing (7) Refer to company


90


Description Fabric Distributors Fabric Stores

FIRE

CRIME

Class Code

Class Code

0520

4223

0520

4510

CRIME AND CONTENTS, FIRE Rate Class Group Limit (1) 2


15,000

s

12509 (2) 12510


12509 (a) (b) 12510 (a) (b) (o) (q) (p)

Fence Dealers

0567

4440

1

15,000

s

Fence Erection Contractors

(13)

2350

2

5,000

p

Fiberglass Mfg.

6009 (16

3270

2 (7a)

5,000

s

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12651 (12) 94276 (14) (17) 53121 (16)

12651 (a) (b) 94276 (a) (b) (d1) (16


(a) (b)

91


(8) Stores with or without occasional grinding, use Code 0567 and CPP PMA M. Stores with processing, grinding or milling, use Code 2150 and CPP PMA IP. Feed or grist mills, use Code 2150 and CPP PMA IP. Feed warehouses on premises of processing plants, use Code 1252 and CPP PMA IP. Feed warehouses not on premises of processing plants, use Code 0567 and CPP PMA M. (9) Grain elevator operations shall be separately classified and rated. (12583) (10) C, E and H – Wholesale or Retail. C – Rate Group 2. E, H – Includes seeds. This footnote does not apply to Contents, Fire. (11) Pet Food shall be separately classified and rated. (53001) (12) This classification includes the installation or erection of fences. (12651) (13) Storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications. (14) This classification applies to risks that only install or erect fences. (94276) Risks that sell fences to the general public shall be separately classified and rated as “Fence Dealers”. (15) No more than 25% of gross annual sales may be derived from retail operations and no more than 25% of the total floor area may be open to the public. (16) Refer to company (17) Refer to company electrical or barbed wire fence erection contractors (18) Use Exclusion – Products/Completed Operations Hazard. CG210 CCIS 92 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001

(1) Classify by type of fabric. (2) This classification applies to new goods or textile fabrics only. (12509) (3) Restaurants, use Code 0542 and CPP PMA M or S. Other Buildings, use Code 0844 and CPP PMA S. Amusement equipment in the open, use Code 1190 and CPP PMA S. Exhibit stands, booths and tents in the open, use Code 1190 and CPP PMA S. (4) Basis of premium is each fair ground. (43517) (5) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (6) This classification applies to temporary outdoor exhibitions. Coverage does not apply to injury or damage arising out of mechanically operated amusement devices or to bodily injury or medical payments to participants in athletic contests sponsored by the insured. Use Exclusion – Described Hazards (Carnivals, Circuses And Fairs) Endorsement CG 22 58. (43518) The following shall be separately classified and rated: • Amusement devices • Amusement parks • Carnivals • Fair grounds – nonoperating season • Sponsors of fairs, as “Carnivals (sponsor’s risk only)” (7) Offices, use Code 0702 and CPP PMA C or O. Storage, use Code 0563 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Vehicle storage or repair, refer to “Automobile” classifications. (7a) Exclude finished products. Classify finished products by commodity.

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FIRE

CRIME

Class Code

Class Code

Floor Covering Distributors

(4)

4212

2

25,000

s

12797

12797

Floor Covering Installation – Not Ceramic Tile Or Stone

(5)

2350

2

5,000

p

94569

94569

Description

Floor Waxing Florists

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Comments & Application Coding (a) (b)

(a) (b) (d1)

Floor Covering Mfg. – Not Carpets, Rugs, Ceramic Or Stone Tiles Floor Covering Stores


*

3260

2

15,000

s

53333

(14) (a) (b)

(6) NA (10)

4420 5617 4530

2 1 (9) 1 (11)

15,000 5,000 5,000

s p+ s+

12805 (7) 94590 (8) (14) 12841

12805 (7) 94590 (14) 12841


(a) (b) (o) (p) (a) (b) (a) (b) (o) (p)

93


(1) This classification does not apply to an insured who actually sets up the fireworks. Basis of premium is per location/per day. (43629) (43628) (2) The following shall be separately classified and rated: • Sale of sporting goods • Sale of clothing Basis of premium is each pier. (43754) (3) This classification applies to risks which permit fishing on premises for a charge and includes boats furnished or rented to customers. Use Boats Endorsement CG 24 12. (43760) (4) Use Code 0567 except that if linoleum, vinyl and plastic carpets are included, use Code 0520. (5) Contractors storage, use Code 0567 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications. (6) Carpets, use Code 0520. Tiles or linoleum, use Code 0567. Mixed merchandise, use Code 0567.

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(7) This classification applies to stores selling carpets, rugs, tiles, linoleum or any similar floor covering material. (12805) (8) This classification does not apply where the insured performs janitorial services at the same location. (94590) (9) Contents, Fire – NA. (10) Sales outlets, use Code 0570. Greenhouses, use Code 0580. (11) Contents, Fire: Greenhouses – Refer to Rule 72. in Division Five of the CLM for information on eligibility on the Special Form. (12) Retail –Code 59685. Distributors –Code 50381. (13) Distributors – No more than 25% of gross annual sales may be derived from retail operations and no more than 25%of the total floor area may be open to the public. (14) Refer to company


94


FIRE

CRIME

Class Code

Class Code

(1) (2)

3110

Food Products Mfg. – Frozen

(1) (2)

3110

Food Products Mfg. – Not Dry – In Glass Containers

(1) (2)

3110

Food Products Mfg. – Not Dry – In Other Than Glass Containers

(1) (2)

2090

Formal Wear Or Costumes – Rented To Others

(7)

5320

Description Food Products Mfg. – Dry

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CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 (4) 1 (4) 1 (4) 1 (4) 4

15,000


15,000

s

15,000

s

15,000 15,000

s s+

53374 (3) (11) 53375 (3) (11) 53376 (3) (11) 53377 (3) (11) 12927


(11) (a) (b) (11) (a) (b) (11) (a) (b) (11) (a) (b) Included


(a) (b) (o) (p)

95


(1) Seafood products, use Code 2059. Fish oils mfg., use Code 2250. Fruits processing, use Code 2250. Vegetables processing, use Code 2250. Nut processing, use Code 2250. Spices processing, use Code 2250. Meat processing, use Code 2059. Flavor Extracts Mfg. With no flammables, use Code 2300. With flammables, use Code 5050. Molasses, sugar, honey and syrup mfg., use Code 2300. Tobacco products, use Code 2550. Yeast factories, use Code 2400. Malt mills other than breweries, use Code 2400. Food Products NOC, use Code 2600. (CPP PMA IP applies to all occupancies listed above.) (2) Food products sales, storage and distributors. If sole occupant and over 15,000 sq. ft. use Code 0432 and CPP PMA M. Otherwise, use Code 0532 and CPP PMA M. See also “Dairy Products”, Tobacco Products”, “Beverage Bottlers”, “Beer Mfg.” and “Liquor Mfg.”.

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(3) This classification does not supply to meat, fish, seafood or poultry processing. (53374) (53375) (53376) (53377) (4) E, H – NOC – Food Products – Frozen –mg. or wholesale. If retail, Rate Group 2. This footnote does not apply to Contents, Fire. (5) This classification includes cruising timber, firefighting, forest management plans and reforestation. (43822) (6) This classification applies to risks which perform operations on specific orders from others and where the finished products cannot be more appropriately classified under a more specific manufacturing classification. (53403) (7) Use Code 0520. This code applies to rental agencies only. (8) Refer to “Boarding or Rooming Houses”. (9) Refer to appropriate “Clubs” classification. (10) Fraternities or Dormitories E, H – Excluding restaurant operations, wines or liquors, use Rate Group 1. This footnote does not apply to Contents, Fire. (11) Refer to company for quote


96


Description Freight Forwarders Or Handlers – Other Than Packing, Handling Or Shipping Explosives Or Ammunition Under Contract Frozen Food – Distributors Fruit Or Vegetable Dealers Fruit Or Vegetable Distributors

CRIME

Class Code

Class Code

1211

4880

(3)

4230

(3)

4452

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 (2)

*

3110

1 (5) 2 (6) (9) 2 (7) (9) *

0570

4534

1

(3)

Fruit Or Vegetable Juice Mfg. – No Bottling Of Carbonated Beverages

4230

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code p+

15,000

s

5,000

s

5,000

94617 NOC (1) (11)

Included

13049 (4) 13111

13049


(a) (b)

(a) (b) 13111 (a) (b)

5,000

s

13112

13112 (a) (b)

s

53565

53565

s

13201

13201

(a) (b)

Fuel Dealers Or Distributors – Coal Or Wood

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FIRE


(a) (b)

97


(1) The following shall be separately classified and rated: • Wharf and waterfront property owned by or rented to the insured • Stevedoring (Prohibited) If the insured has office exposure only, classify and rate as offices under the appropriate “Building or Premises” classification. (94617) (94638) (2) E, H – NOC – Includes Freight Forwarders and Freight Consolidators. This footnote does not apply to Contents, Fire. (3) Use Code 0532 unless sole occupancy and over 15,000 sq. ft. in total floor area. If sole occupancy and over 15,000 sq. ft. in total floor area, use Code 0432. (4) This classification does not apply to meat, fish, seafood or poultry distributors. (13049) (5) E, H – NOC If retail, use Rate Group 2, Class Limit $5,000 Frozen Food Lockers, use Rate Group 2. This footnote does not apply to Contents, Fire.

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(6) C, E and H – Retail – Excluding Supermarkets as defined in the “Supermarkets” classification. C – Rate Group 4. This footnote does not apply to Contents, Fire. (7) C – Wholesale, use Rate Group 2. This footnote does not apply to Contents, Fire. (8) “Produce Handling or Packaging” shall be separately classified and rated. (43840) (9) Contents, Fire: Refer to Rule 72. in Division Five of the CLM for information on eligibility to the Special Form. (10) No more than 25% of gross annual sales may be derived from retail operations and no more than 25% of the total floor area may be open to the public. (11) Refer to company


98


Description Fuel Oil Or Kerosene Dealers Fuel Oil Or Kerosene Distributors Funeral Homes Or Chapels Fur Garment Mfg.

FIRE

CRIME

Class Code

Class Code

(1)

4543

(1)

4227

0923

8122

3009

3150

Fur – Garments And Pelts – Distributors

0520

4223

Fur Or Pelt Processing

3009

3160

Furniture Mfg. Or Assembling – Infants Furniture Mfg. Or Assembling – Other Than Wood Furniture Mfg. Or Assembling – Wood Furniture Or Fixtures – Installation In Offices Or Stores – Portable – Metal Or Wood

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(12) (16) (16) 3959 (16) *

3370 3370 3370 2350

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 (2) 2 (2) 1 4 (7) 4 (7) 4 (7) 2 2

5,000

t

15,000

t

15,000

s+

50,000

s

13204 (10) (11) 13205 (3) (10) (11) 43889 (6) 53631


13204 (a) (b) 13205 (a) (b) Included (a) (b) 53631 (a) (b)

50,000

s

50,000

s

13314 (9) 53632

13314 (a) (b) 53636 (a) (b)

15,000 15,000

* 2


s s s

5,000

p

53731 (13) (16) 53732 (13) (14) 53733 (13) (14) 95124

No (a) (b) 53732 (15) 53732 (15) 95124


(a) (b) (a) (b) (a) (b)

99


(1) Use Code 0567. This code applies to mixed merchandise. Refer also to “Tanks”. (2) C, E, H, SBF and SBR –Gasoline Dealers including all places vending gasoline. Wholesale C – Rate Group 2 Retail C – Rate Group 3. SBF, SBR Rate Group 3. E, H – If vending machines or tires and tubes are excluded. E, H, SBF and SBR – Include Automotive Products in Outside Containers Endorsement CR 15 07 is to be used to include loss from or damage to containers located outside the premises for: automobile supplies and equipment and oil and gasoline. This footnote does not apply to Contents, Fire. (3) Retail operation shall be separately classified and rated. (13205) (4) Fumigants storage, use Code 0570 and CPP PMA C. Mixed materials storage, use Code 0570 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. (5) Coverage is included for herbicide/pesticide operations. Use Pesticide Or Herbicide Applicator Coverage Endorsement CG 22 64. (43860) (6) Professional services are excluded. Use Exclusion – Funeral Services Endorsement CG 21 56. (43869) (7) Dealers, Jobbers or Manufacturers – Raw, undressed, dressed or finished skins, pelts, furs or fur garments provided such merchandise comprises more than 50% of the entire stock. C – Rate Group 2.

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(8) (9) (10)

(11)

(12) (13) (14) (15) (16)

E, H – This classification includes articles containing fur which represents their principal value. Sheep Skins (excluding other skins). Use Rate Group 1. SBF, SBR Rate Group 3. This footnote does not apply to Contents, Fire. Retail only, use Code 56814, Rate Number 3, Rate Group 8. Retail operations shall be separately classified and rated as “Clothing or Wearing Apparel Stores”. (13314) This classification excludes injury or damage resulting from a failure to supply. Use Exclusion – Failure To Supply Endorsement CG 22 50. (13204) (13205) Basis of premium is per 1,000 gallons. When products coverage is afforded, this classification includes coverage for bodily injury or property damage arising from the delivery of any liquid product into a wrong receptacle or to a wrong address or the erroneous delivery of one liquid product for another. If the bodily injury or property damage occurs after delivery has been completed. Use Misdelivery Of Liquid Products Coverage Endorsement CG 22 66. (13204) (13205) Use Code 3959. This code applies to wood products only. This classification includes furniture stock manufacturing. (53731) (53732) (53733) Step or stool ladder manufacturing or assembling shall be separately classified and rated. (53732) (53733) Refer to company Use Exclusion – Products/Completed Operations Hazard. CG2104


100


FIRE

CRIME

Class Code

Class Code

Furniture Or Woodwork Stripping, Refinishing Or Repairing – Shop Only

(1)

8112

Furniture Stores - Not-For-Profit Only

0564

4420

2

25,000

s

Furniture Stores - Other Than Not-ForProfit

0564

4420

2

25,000

s

Description


s+

53734


53734 (a) (b)

(1) Use Code 0922. This code applies to stripping, painting or refinishing only. For furniture repair, refer to specific product being repaired. (2) Furniture, Upholstered – Retail – use Class Code 57121, Rate Number 1, Rate Group 6. Furniture, Wood or Metal – Retail – use Class Code 57128, Rate Number 1, Rate Group 1.

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5,000


13352 (3) (4) 13351 (3) (4)

13352 (a) (b) (o) (p) 13351 (a) (b) (o) (p)

(3) This classification includes house furnishings. (13352) (13351) Furniture repair shall be separately classified and rated. (4) Refer to company children’s furniture stores


101

CenCal Insurance Services Commercial Lines Manual

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