Commercial Lines Solutions

Cencal Insurance Services / Commercial Lines Solutions

CLASSIFICATION TABLE NOTES This classification section should be used as a tool for establishing which classes of business may be submitted, written, have restrictions, require special endorsements or applications, have footnotes or are strictly prohibited. Each class has been separated into four coverage categories: 1. PROPERTY [PROP] 2. PREMISES/OPERATIONS [P/O] 3. PRODUCTS AND COMPLETED OPERATIONS [P/CO] 4. CRIME After each coverage category for a given class you will see one of the following: Class Code * This is an acceptable class and can usually be written within our binding authority. Comment Section will reflect if this class can only be written on a non-admitted basis. You may also need to review your State Exception pages. There may be other criteria which make the risk only acceptable on a non-admitted basis. ( )=

Some class codes require prior quote approval from the insurer, and CenCal will need additional time to secure the authorization. Those classes will be noted as Refer to Company.

NO =

The class or coverage category is a prohibited risk.

N/A =

Not Applicable.

(a)(b) (c) etc.

Application Coding: Information Required for a Professional Response Submission

Application Codes: (a) ACORD App. Questionnaires (b) Loss History (c) Arson Supplement (f) See Class Write–Up (x) Mgmnt Resume

(d) Gen’l Contr (g) Apartment (j) Bed N Brkfst (m) Motel (p) Photo (s) Financials

(d1) Artisan (h) Auto Repair (k) Lessors’ Risk (n) Restaurant (q) Plot Plan (t) Day Care

(e) Roofing Cont’r (i) Bar/Tavern (l) Mobile Hme Pr (o) Retail/Office (r) Rent Roll (u) Metal Wrkr

Please note the coded comments pages following each classification page. We have indicated specific exclusions and rating rules applicable to each classification. The exclusions apply in all cases unless the underwriter has formally waived the requirement prior to binding and apply in addition to all other mandatory endorsements or exclusions. We have attempted to list as many classes as possible. If you cannot locate a particular class, or if none of the classifications adequately describe the insured's operations, please contact us for assistance. We are here to help you grow your business by making you a knowledgeable hero to the customer.

Intro

CCIS 12/2003

1

Cencal Insurance Services / Commercial Lines Solutions

UNDERWRITING NOTES

Intro

MINIMUM DEDUCTIBLES

Property Theft CGL

$1,000 $2500 + on Target Commodities $250

MINIMUM PREMIUMS

Property $1,000

Liability $350 $500 $750 $1,250

$100,000 / $200,000 $300,000 / $600,000 $500,000 / $1,000,000 $1,000,000 / $2,000,000

ADDITIONAL INSUREDS

Can ONLY be added by the Underwriter after consideration of the Insurable Interest

CERTIFICATES BINDERS

Require formal prior approval of the Underwriter

PROHIBITED EXPOSURE

Bankruptcy Receivership Contractors in Residential, including Apartments and Condominium Earthquake Difference In Conditions Flood First Loss Property Coverage Petroleum, Chemical, Pharmaceutical Ops Ocean Marine Aviation Livestock Crops

CCIS 12/2003

2

CenCal Insurance Services Commercial Lines Manual Classification Table

Description Advertising Sign Cos – Outdoor Air Conditioning Equipment Mfg.

FIRE

CRIME

Class Code No

Class Code 5418

(2)

Air Conditioning Equipment Dealers or Distribution Only

(5)

Air Conditioning Systems or Equipment – Dealers or Distribution – Installation

(7)

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3330 -----

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 5,000 2 -----

25,000 -----

GENERAL LIABILITY Premium Premises Products Base Code Code p+ 90089 Included (1) (4) s 51116 51116 (3) s 10010 10010 (6) p 91111 91111 (8)

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

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

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CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification is applicable to risks selling space for advertising purposes and includes shop operation, the erection, painting, repair or removal of signs, sign painting or lettering in or upon buildings or structures and the existence hazard of signs located away from the insured’s premises. Advertising Agencies shall be classified and rated under the appropriate “Buildings – office” classification (90089) (2) Heavy metal parts, use Code 6810. Precision parts, use Code 6900. Other metal parts, use Code 6850. Plastic parts, use Code 5500. (3) This classification includes duct work and piping. (51116) The manufacturing of the following shall be separately classified and rated: • Heating systems • Combined heating and air conditioning systems • Refrigerating systems (4) Exclude advertising liability – Refer to Insurer if over 3 stories. (5) Use Code 0563. This code applies to sales and/or storage with or without repair.

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(6) This classification applies to risks engaged in sales of the air conditioning equipment only. This classification includes the sales of ducts and piping. (10010) This classification does not apply to risks engaged in: Sales and installation, servicing, or repair Installation, servicing or repair only. The following shall be separately classified and rated: Sales of heating equipment Sales of refrigeration equipment Sales of combined heating and air conditioning units or systems Sales of household type appliances, including room air conditioners (7) Use Code 0922. This code applies to repair only with no sales or storage. (8) This classification applies to risks engaged in sales and installation, servicing or repair of air conditioning systems or equipment. This classification also applies to risks engaged only in installation, servicing or repair of air conditioning systems or equipment. This classification includes: The sales and installation of ducts and piping Shop and display rooms The sales of household type appliances including room air conditioners shall be separately classified and rated. (91111)


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Description

Alarms and Alarm Systems Installation, Servicing and Repair Amusement Centers

Antique Stores

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FIRE

CRIME

Class Code

Class Code

(1)

5616

2

15,000

p

0844

7993

3 (4)

25,000

s+

---

---

No

No

CRIME AND CONTENTS, FIRE Rate Class Group Limit

GENERAL LIABILITY Premium Premises Products Base Code Code

s

91127 (2) 10015 (3) (6) and (7) 10026

91127 (5) Included

Comments & Application Coding

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

10026


(a) (b) (p)

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CenCal Insurance Services Commercial Lines Manual Classification Table (1) Repair or service only, use Code 0922. With sales or storage, use Code 0567. (2) This classification includes incidental sales. The installation, servicing or repair of fire suppression systems shall be separately classified and rated. (91127) (3) This classification applies to Arcades with coin operated games such a pinball and video or other electronic games. This classification does not apply to risks located in amusement parks. (10015) (4) C – Rate Group 5 SBF, SBR – Rate Group 3. (5) See Guideline class write up Section 1. (6) Attach Assault And Battery Exclusion SL-4. (7) Attach Sexual Abuse Exclusion.

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CenCal Insurance Services Commercial Lines Manual Classification Table FIRE

CRIME

Class Code

Class Code

(1) (2) (3)

5310

(1) (2) (3)

5310

Apartment Building Garden

(1) (2) (3)

5310

Apartment Buildings or Hotels – Time Sharing Less Than 4 Stories

(1) (2)

6500

Apartment Buildings or Hotels – Time Sharing 4 Stories or More

(1) (2)

6500

Apartment Hotels Less Than 4 Stories

(1) (2)

6500

Apartment Hotels 4 Stories or More

(1) (2)

6500

Description Apartments

Apartment Buildings

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CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (4) (5)

5,000

3 (5) (8)

5,000

3 (5) (8)

5,000

3 (5) (8)

5,000

3 (5) (8)

5,000

3 (5) (6)

5,000

3 (5) (6)

15,000

GENERAL LIABILITY Premium Premises Products Base Code Code *

u+

u+

u+

u+

u+

u+

* (9) (10) (11) (12) 60010 (6) (9) (11) (12) 60011 (7) (9) (10) (11) (12) 60012 (7) (9) (10) (11) (12) 60013 (7) (9) (10) (11) (12) 60015 (4a) (9) (10) (11) (12) 60016 (4a) (9) (10) (11) (12)


* (a) (b) (g) (p) (q) Included (a) (b) (g) (p) (q) Included (a) (b) (g) (p) (q) Included (a) (b) (g) (p) (q) Included (a) (b) (g) (p) (q) Included (a) (b) (g) (p) (q) Included


(a) (b) (g) (p) (q)

-5-

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Apartments – Units Occupied by Long Term Tenants For Habitational Purposes With Self-Contained Living Facilities (including cooking facilities) Occupied By One or More Persons. For 1 to 4 family dwellings written in conjunction with a commercial risk or written under a commercial package policy, refer to the Dwellings classifications in these pages. (2) Apartments without Mercantile occupancies. Up to 10 units, use Code 0311; 11 to 30 units, use Code 0312; Over 30 units, use Code 0313. Apartments with Mercantile occupancies: Up to 10 units, use Code 0321; 11 to 30 units, use Code 0322; Over 30 units, use Code 0323. Also refer to Boarding and Lodging, etc., and Convents, Monasteries, etc. (3) The following applies:

(4a)This classification shall apply only to residential hotels in which the average daily room registration is not more than 15% of the total number of rooms available for rental or lease, based upon the records of the insured for the preceding year. (60015) (60016) The following shall be separately classified and rated: • Indoor parking

• Occupancy other than for residential purposes • One-to-four family dwellings • Boarding or rooming houses • Indoor parking

• Apartment Buildings – 4 families or fewer, with no mercantile or office occupancy, use Code 65141 • Apartment Buildings – over 4 families with no mercantile or office occupancy, use Code 65132 • Apartment Buildings – 4 families or fewer, with mercantile or office occupancy, use Code 65142 • Apartment Buildings – over 4 families with mercantile or office occupancy, use Code 65133

• Swimming pools • Bathing beaches (7) This classification applies to single or multiple dwelling units not exceeding 2 stories in height that have common management, control and community facilities. (60011) The following shall be separately classified and rated: • Indoor parking

• Garden apartments – No mercantile or office occupancy, use Code 65141

• Swimming pools

• Residential Condominiums, use Code 69145 • Garden apartments – Mercantile or office occupancy, use Code 65142 • Three or four family lessor’s risk only – No Mercantile or office occupancy, use Code 65141 • Three or four family lessor’s risk only – Mercantile or office occupancy, use Code 65142 (4) Refer to Businessowners Apartment rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. Refer to State Rates CLM Division Five – Fire & Allied Lines for Fire and CPP.

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Swimming pools

• Bathing beaches Restaurants (5) E, H – Apartment, Excluding restaurant or drugstore operations, wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (6) The following shall be separately classified and rated: (60010)

(8) (9) (10) (11) (12)

• Bathing beaches Contents, Fire - NA. Attach Assault and Battery Exclusion Attach Lead Liability Exclusion Texas habitationals may not be written Refer to Company if over 3 stories


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CRIME

Class Code

Class Code

Appliances and Accessories Mfg. – Household – Not Gas

*

3350

Appliances and Accessories Installation, Servicing or Repair – Commercial Appliances and Accessories Installation, Servicing or Repair – Household Appliance Distributors – Household Type

(4)

Description

3

25,000

3 (6)

15,000

4216 (13)

3 (6)

5,000

(7) (9)

4216

25,000

Appliance Distributors - Household Type – Radio, TV, or Compact Disc

0567

4216

Appliance Stores – Household Type

(7)

4430

3 (6) 3 (6) 3 (6)

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(4)

8112


GENERAL LIABILITY Premium Premises Products Base Code Code s p

p

s

15,000

*

15,000

s

51224 (2) (3) 91150 (5)


51224 (a) (b) 91150 (a) (b)

91155 (5)

91155

10040 (8) * (11) 10042 (8)

10040

(a) (b)

(a) (b) * (a) (b) 10042


(a) (b)

-8-

CenCal Insurance Services Commercial Lines Manual Classification Table (1) NA (2) This classification includes the manufacturing of appliances and accessories powered by liquid fuels. (51221) (51224) (3) The following shall be separately classified and rated: (51224) Manufacturing of all heating equipment Manufacturing of communication equipment, including radios, televisions and stereos (4) Repair and/or service only, use Code 0922 and CPP PMA C or S. Sales and/or storage with or without repair, use Code 0563. (5) Television or radio receiving set installation or repair shall be separately classified and rated. (91150) (91155) (6) SBF, SBR Rate Group 2, (does not apply to Contents Fire) (7) Radios and/or TV’s with or without repair, use Code 0567 and CPP PMA M. Others with or without repair, use Code 0563 and CPP PMA M. Repair only, use Code 0922 and CPP PMA S.

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(8) This classification includes radios, televisions, vacuum and sewing machines including parts, as well as cooking ranges, washing machines and household type room air conditioners. (10040) (10042) If Radio, Television, Phonographic Stores (including parts and supplies), use Code 57326, Rate Group 10, Rate Number 5. If Sewing Machine Stores, use Code 57223, Rate Group 1, Rate Number 1. If Household Appliances and Home Furnishings, NOC, use Code 57224, Rate Group 4, Rate Number 1. Watch, Clock or Jewelry Repair, use BP Class Code 71941, BP Rate No. 1, BP Rate Group 10. (9) Including home furnishings, with or without repair, use 0563 and CPP PMA M Repair only, use Code 0922 and CPP PMA S. (10) NA (11) Please refer to “Appliances Distributors – household type”. (12) NA (13) For gas appliances use code 4217


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CRIME

Class Code

Class Code

Archery Ranges –Indoor

0844

7130

Archery Ranges – Other Than Indoor

N/A

7130

Army and Navy Stores

0567

4480

Art Galleries – Not-For-Profit Only

(6) (13) (6) (13)

7120

Description

Art Galleries – Other Than Not-ForProfit

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7120



3 (2) 3 (2) 3

15,000

s+

15,000

s+

25,000

s

2 (7) 2 (7)

15,000

s

15,000

s

10052 (1) 10054 NOC(1) 10060 (5) (12) 10066 (7) 10065 (7)

Included Included

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

10060 (a) (b) 10066 (a) (b) (o) (p) (s) 10065


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

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CenCal Insurance Services Commercial Lines Manual Classification Table (1) The sale of sporting goods shall be separately classified and rated. (10052) (10054) (2) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (3) NA (4) NA (5) Risks primarily selling clothing shall be separately classified and rated as “Clothing or Wearing Apparel Stores” (10060) (6) For Art Studios, use Code 0921 and CPP PMA M. Non-profit, use Code 1051 and CPP PMA 1. If commercial, use Code 0567 and CPP PMA M. (7) Painting, picture or frame stores shall be separately classified and rated. This footnote does not apply to Contents, Fire. (10066) (10065)

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(8) NA (9) NA (10) NA (11) NA (12) No products liability if guns or knives sold. Use Exclusion – Products/Completed Operational Hazard CG 2104 (13) Refer to theft guidelines: Submit fine arts.


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CRIME

Class Code

Class Code

Athletic Games Sponsored by the Insured – Not-For-Profit Only

N/A

No

---

---

m+

Athletic Games Sponsored by the Insured – Other Than Not-For-Profit

N/A

No

---

---

m+

Athletic or Sports Contests – In Buildings – Lessees – Not-For-Profit Only Athletic or Sports Contests – In Buildings – Lessees – Other Than NotFor-Profit Athletic Programs – Amateur – NotFor-Profit Only

0844

7110

3

5,000

m+

0844

7110

3

5,000

N/A

8133

Athletic Programs – Amateur – Other Than Not-For-Profit

N/A

8133

Auctioneers – Sales Conducted Away From The Insured’s Premises

No

No

3 (9) 3 (10) ---

Description

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Comments & Application Coding Non-admitted only (a) (b) (s) Non-admitted only (a) (b) (s) Non-admitted only (a) (b) (s)

40061 (1) (2) 40059 (1) (2) 40064 (2) (3) (10)

Included

m+

40063 (2) (3) (10)

Included

Non-admitted only (a) (b) (s)

5,000

t+

Included

5,000

T+

---

p+

40067 (2) (4) (10) 40066 (2) (4) (10) 91177 (8) (11)

Non-admitted only (a) (b) (s) Non-admitted only (a) (b) (s) Non-admitted only (a) (b) (s)

Included Included

Included Included


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CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies when: (a) There is management or supervision by the insured away from the insured’s premises (b) A majority of the participants representing the insured are not employed regularly in the insured’s business (c) No admission charge is made other than for charitable purposes Basis of premium is each game. (40061) (40059) (2) Coverage does not apply to bodily injury or medical payments to participants in athletic contests sponsored by the insured. Use Exclusion – Athletic Or Sports Participants Endorsement CG 21 01. (40061) (40059) (40064) (40063) (40069) (3) Lessors who operate buildings shall be separately classified and rated as “Exhibition or Convention Buildings”. (40064) (40063) (4) Sponsors may be included at no additional charge. Use Additional Insured = Designated Person Or Organization Endorsement CG 20 26. Coverage does not apply to bodily injury and medical payments to participants in athletic contests. Use Exclusion – Athletic Or Sports Participants Endorsement CG 221 01. Basis of premium is each game. (40067) (40066)

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The following shall be separately classified and rated: • Stadiums

(5) (6) (7) (8) (9) (10) (11)

• Exhibition buildings Basis of premium is each game. (40069) NA NA NA Sales conducted on premises owned or rented by the insured shall be classified and rated as “Auctions”. (91177) Contents, Fire – NA. Refer to Company Exclude sale of livestock


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Description Auctions – On Premises Owned Or Rented By The Insured Auditoriums

FIRE

CRIME

Class Code

Class Code

*

(15)

0843

5310

Automobile Parts and Supplies Distributors

0512

4211

Automobile Parts and Supplies Stores

(11)

5530

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CRIME AND CONTENTS, FIRE Rate Class Group Limit (15) 3 (2) 3 (10) 3 (10)

--15,000

GENERAL LIABILITY Premium Premises Products Base Code Code p+ *

25,000

s

25,000

s

91179 (14) (16) * (1) 10070 (9) 10071 (13)


Included (a) (b) (s) * (a) (b) (p) 10070 (17) 10071 (18)


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

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CenCal Insurance Services Commercial Lines Manual Classification Table (1) Auditoriums operated in conjunction with other business enterprises are included in the governing classification. All other auditoriums shall be classified under a more specific classification. (2) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (3) NA (4) NA (5) NA

(6) (7) (8) (9) (10) (11) (12) (13)

(14) (15) (16) (17) (18) (19)

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NA NA NA Risks which sell to the general public shall be classified and rated as “Automobile Parts and Supplies Stores” E, H – Includes parts and trailer accessories and parts. This footnote does not apply to Contents, Fire. Use Code 0512. Also refer to “Automobile Repair or Service Shops”. NA This classification applies to risks which sell to both the general public and commercial operations. Installation, servicing or repair of parts and supplies shall be separately classified and rated as “Automobile Repair or Service Shops”. (10071) Livestock Sales Co. shall be separately classified and rated. (91179) E, H – Classify according to merchandise, (not applicable to Contents Fire) Exclude sale of livestock Products must be submitted if re-labeling or repackaging done Refer to Company if installation is done NA


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CRIME

Description

Class Code

Class Code

Automobile Quick Lubrication Services

0932

8111

Automobile Repair or Service Shops

Automobile Repair Shops – SelfService

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(7)

(7)

8111

8111

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 (2) (3) (4) 2 (6) (9) (10) 2 (6) (9) (10)

15,000

15,000

15,000

GENERAL LIABILITY Premium Premises Products Base Code Code s+

s

s

10072 (1)

Included

10073 NOC (8)

10073

10075 (8) (11)

10075

Comments & Application Coding (a) (b) (f) (h) (p)

(a) (b) (f) (h) (p)


(a) (b) (f) (h) (p)

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CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to risks which only provide services for quick lubrication, oil change and maintenance of fluids or air levels to serviced vehicles. (10072) This classification includes coverage for operation of customers automobiles on insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. (2) C – Rate Group 3. This footnote does not apply to Contents, Fire. (3) SBF and SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (4) E, H – Excluding vending machines. Use Exclude Specified Property Endorsement CR 15 01. This footnote does not apply to Contents, Fire. (5) NA (6) C – Rate Group 3. This footnote does not apply to Contents, Fire. (7) Seat cover padding and trimwork or top repair exclusively, use Code 0512 and CPP PMA M. Auto glass replacement, battery replacement, brake adjustment, tire changing, tune ups (points, plugs and carburetor adjustment) oil changing, lubrications, speedometer adjustments and similar services, use Code 0932 and CPP PMA S. Major engine repair or body repair, use Code 0933 and CPP PMA S. Also refer to “Car Washes” and “Gasoline Stations”.

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(8) This classification includes coverage for operation of customers automobiles on insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. Retail operations shall be separately classified and rated. For premium computation purposes, receipts from towel dispensers, vacuum cleaners, etc. are to be included in gross sales. (10073) (10075) (9) SBF and SBR – Rate Group 3. This footnote does not apply to Contents, Fire.” (10) E, H – Includes parts and trailer accessories and parts. This footnote does not apply to Contents, Fire. (11) A $250.00 deductible per claim applies to property damage to customers automobiles. Use Deductible Liability Insurance Endorsement CG 03 00. (10075)


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Description

Bakeries Bakery Plants

FIRE

CRIME

Class Code

Class Code

(2)

4452

1

5,000

S

2200

3110

1

15,000

S

Barber Or Beauty Shop Supplies Distributors

0567

Barber Shops

0921

8121

Bars and Taverns

(7) (15)

7225

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4218


2

15,000


S

10100 (3) 51315 (4) 10111


10100 (a) (b) (p) (s) 51315 (a) (b) (p) (s) 10111 (a) (b) (p) (s)

1 (6) 3 (9)

5,000 15,000

S+

10113 (5) * (8) (16) (17) (19)

Included *


(a) (b) (p) Non-admitted only (a) (b) (i) (p) (q)

18

CenCal Insurance Services Commercial Lines Manual Classification Table (1) NA (2) Sales only, no baking, use Code 0532 and CPP PMA M. Baking, with no delivery to other outlets, use Code 0533 and CPP PMA M. Baking, with delivery to other outlets, use Code 2200 and CPP PMA IP. (3) This classification includes baking operations at the same location as the store if the products baked are sold principally in that store. (10100) (4) Risks shall be classified and rated as Bakeries if products baked are sold principally in the insured’s own retail store at the same location. (51315) (5) Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. Shops engaged in hair dyeing and permanent waving shall be classified and rated as “Beauty Parlors and Hair Styling Salons”. (10113) (6) E, H – Excludes wigs and toupees. Use Exclude Specified Property Endorsement CR 15 01 This footnote does not apply to Contents, Fire

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(7) Use Code 0541, also refer to appropriate restaurant class (8) Also refer to “Restaurants”. (9) C – Rate Group 4. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (10) NA (11) NA (12) NA (13) NA (14) NA (15) Cooking surfaces such as grills and deep fat fryers must be protected by an automatic extinguishing system if considering property coverage (16) Risks with entertainment must be referred to the company (17) Risks that employ bouncers or security personnel must be referred to the company (18) NA (19) Attach Assault and Battery Exclusion SL-4 (20) For distributors use code 4230


19


Description Bazaars – Operated By The Insured – Not-For-Profit Only Bazaars – Operated By The Insured – Other Than Not-For-Profit Beach Chairs And Umbrellas – Rented To Others

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FIRE

CRIME

Class Code

Class Code

NA (8) NA (8) (5) (9)

4530 4530 5320

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (4) (8) 3 (4) (8) 1

5,000 5,000 5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s+ s+ s+

10132 (3) (8) 10130 (3) (8) 10133


Included (a) (b) (p) (s) Included (a) (b) (p) (s) Included


(a) (b)

20

CenCal Insurance Services Commercial Lines Manual Classification Table (1) NA (2) NA (3) This classification applies to temporary public sales conducted by an insured not in the retail business. This classification does not apply to risks with amusement devices. Such risks shall be classified and rated as “Carnivals”. Bazaars conducted on church or club premises are included under the “Churches” or “Clubs” classifications. (10132) (10130).

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(4) E, H – Includes Rummage Sales. This footnote does not apply to Contents, Fire. (5) NA (6) NA (7) NA (8) Refer to company for quote (9) Large Property Deductible Encouraged (10) NA


21


CRIME

Description

Class Code

Class Code

Beauty Parlors and Hair Styling Salons

0921

8121

Beer, Ale Or Malt Liquor Mfg. – In Bottles

2400

Beer, Ale Or Malt Liquor Mfg. – In Cans

2400

Beer, Ale Or Malt Liquor Mfg. – Not Bottled Or Canned

2400

Beverage Bottler – Soft Drinks – Carbonated – In Cans Or Plastic Bottles

2350

Beverage Bottler – Soft Drinks – Carbonated – In Glass Bottles

2350

Beverage Bottler – Soft Drinks – In Metal Cylinders

2350

Beverage Bottler – Soft Drinks - In Paper Containers–

2350

Beverage Bottler – Soft Drinks - Not Carbonated – In Bottles Or Cans

2350

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3121 (11) 3121 (11) 3121 (12) 3121 (12) 3121 (12) 3121 (12) 3121 (12) 3121 (12)

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 (2) 1 (3) (4) 1 (3) (4) 1 (3) (4) 1 (3) (7) 1 (3) (7) 1 (3) (7) 1 (3) (7) 1 (3) (7)

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s

25,000

s

25,000

s

25,000

s

15,000

S

15,000

S

15,000

s

15,000

s

15,000

s

10115 (1) (10) 51350 (9) 51351 (9) 51352 (9) 51355 (5) (6) 51356 (5) (6) 51357 (5) (6) 51358 (5) (6) 51359 (5) (6)


10115 51350 51351 51352 51355 51356 51357 51358 51359


(a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s) Non-admitted only (a) (b) (p) (s)

22

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes establishments that do cosmetic services and electrolysis. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. Sun Tanning Salons shall be separately classified and rated. (10115) (2) E, H Excludes Wigs and Toupees,, Use Excluded Specified Property CR 15 01 This Footnote does not apply to Contents Fire. (3) E, H – Excludes wines and liquors. Use Exclude Specified Property Endorsement CR 15 01. This footnote does not apply to Contents, Fire. (4) Including other alcoholic beverages – NOC: C – Rate Group 2. This footnote does not apply to Contents, Fire. (5) This classification includes manufacturing of soft drinks from syrups or flavoring extracts. (51355) (51356) (51358) (51359)

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(6) Risks engaged exclusively in the manufacturing of syrups, extracts and fruit juices shall be separately classified and rated. (51355) (51356) (7) Manufacturers, Bottler or Distributors C – Rate Group 4.

This footnote does not apply to Contents, Fire. (8) NA (9) This classification includes retail sales of beverages for off-premises consumption only, provided the sales are made at the same premises where the beverages are manufactured. Retail sales of beverages for on-premises consumption shall be separately classified and rated under the appropriate “Restaurant” classification. (51350) (51351) (51352) (10) Exclude all professional liability (11) For distributors use code 4228 (12) For distributors use code 4230


23


Description Beverage Distributors – Alcoholic Other Than Beer Beverage Distributors – Nonalcoholic And Beer Beverage Stores – Liquor And Wine

Beverage Stores – Soft Drinks And Beer Billiard Or Pool Halls Billiard Or Pool Table Mfg. Bingo Games – In Public Halls Or Theaters – Commercially Operated

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FIRE

CRIME

Class Code

Class Code

0531 (1) (24) 0532 (4) (24) 0531 (8), (24) 0532 (11) (24) 0844

4228

* *

4230 (27) 4453

4451

7130 3395 (28) 7130

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

50,000

2 (3) (6) (7) 3 (3) (10)

25,000

1

3 (18) (19) 1 (21) 3 (23)

25,000

15,000

15,000 25,000 5,000


s

s

s

s+ s m+

10140 (2)

10140

10141 (5)

10141

10145 (9)

10145

10146 (13)

10146

10160 (17) (26) 51380 (20) 40075 (22)

Included

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

(a) (b) (p) (s)

(a) (b) (p) (s)

(a) (b) (p) (s)

(a) (b) (i) (p) (s) 51380 40075


(a) (b) (p) (s) Non-Admitted Only (a) (b) (p) (s)

24

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Including beer (2) Bottling, canning or filling of containers shall be separately classified and rated under the appropriate manufacturing classification. (10140) (3) Including beers and other alcoholic beverages – NOC. C-Rate Group 4. This footnote does not apply to Contents, Fire. (4) If primarily beer, use Code 0531. (5) Bottling, canning or filling of containers shall be separately classified and rated under the appropriate manufacturing or bottling classification. Sales of dairy products shall be separately classified and rated under “Distributors – food or drink”. (10141) (6) E, H – Excluding wines and liquors, use Exclude Specified Property Endorsement CR 15 01. This footnote does not apply to Contents, Fire. (7) If nonalcoholic C – Manufacturers, Bottlers, or Distributors. Rate Group 4. This footnote does not apply to Contents, Fire. (8) Also refer to “Bars and Taverns”. (9) This classification includes incidental sales of soft drinks and beer. (10145) (10) SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (11) If principal stock is beer, use Code 0531. (12) NA

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(13) Stores selling liquor and wine shall be separately classified and rated as “Beverage Stores – liquor and wine”. (10146) (14) NA (15) NA (16) NA (17) Restaurants or refreshment stands shall be separately classified and rated. (10160) (18) C – Rate Group 4 SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (19) E, H – Excluding restaurant or drugstore operations, wines or liquors, use Rate Group 1. This footnote does not apply to Contents, Fire. (20) This classification includes installation. (51380) (21) E, H – Includes supplies. This footnote does not apply to Contents, Fire. (22) Refreshment stands shall be separately classified and rated. (40075) (23) C – Rate Group 5 SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (24) Refer to Theft Guidelines. (25) NA (26) Attach Assault and Battery Exclusion SL-4 (27) NA (28) For distributors use code 4210


25


CRIME

Class Code

Class Code

Boat Repair And Servicing

0922 (2)

4400

3

15,000

p

91235 (3) (5)

91235

Bolt, Nut, Rivet, Screw Or Washer Mfg.

6850

3320 (1)

2

15,000

---

51500 (1) (6)

No

Description

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(a) (b) (p) (s)

(a) (b) (s)

26

CenCal Insurance Services Commercial Lines Manual Classification Table (1) (2) (3)

For distributors use code 4210 No sales and storage in the building. The following shall be separately classified and rated: (91235) • Boat rentals

(4) (5)

Metal Extraction shall be separately classified and rated (51500) Attach Exclusion Maritime Operations or Activities (SL38) Attach Exclusion Federal Employees Liability Act (6) Use exclusion , Products/Completed Operations Hazard CG 4210

• Boat sales • Boat building • Boat storage or moorage

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27


FIRE

CRIME



Class Code

Class Code

Bookbinding – Not-For-Profit Only

4809

3230

1

5,000

s+

51517

Included

(a) (b)

Bookbinding – Other Than Not-For Profit Bookbinding And Printers Supplies

4809

3230

1

5,000

s+

51516

Included

(a) (b)

4809

4221

1

5,000

*

*

(a) (b)

Books And Magazines Stores – NotFor-Profit Only Books and Magazines Stores – Other Than Not-For-Profit Bottle And Jar Mfg. – Glass – Not For Use Under Pressure

0567

4510

2

15,000

s+

* (5) 10205

Included

(a) (b)

0567

4510

2

15,000

s+

10204

Included

(a) (b)

6009

3220

1

5,000

s

51550

(a) (b)

Plastic – Non Returnable

5500

3070

1

5,000

s

51550 (1) 51553

51553

(a) (b)

Plastic – Returnable

5500

3070

1

5,000

s

51554

51554

(a) (b)

Bowling Lanes

0841

7130

3 (3) (4)

15,000

s+

10220 (2) (6)

Included

Description

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(a) (b) (i) 0r (n)

28

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to returnable and non returnable bottles and jars. (51550) (2) The following shall be separately classified and rated. (10220) • Restaurants • Refreshment stands • Retail operations, such as the sale of bowling balls, shirts, gloves, shoes, etc.

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(3) C – Rate Group 4. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (4) E, H – Including Lanes or Centers. Excluding restaurant or drugstore operations, wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1. This footnote does not apply to Contents, Fire. (5) Please refer to the appropriate “Bookbinding” classification. (6) Attach Assault and Battery Exclusion SL-4.


29


CRIME

Class Code

Class Code

Boxes or Containers Mfg. – Corrugated Or Fiberboard

4450

3225

Boxes or Containers Mfg. – Wood

3959

Description

Boy Or Girl Scout Councils

Brush Or Broom Mfg.

3210

1 1

5,000 5,000

NA (12)

8133 (12)

1

(4)

3395

1 (5) * (12)

15,000

1 (9) *

15,000

Builders’ Risks (12) Building Material Dealers – Other Than Secondhand Material

(7)

Building Material Distributors

(7)

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4440 4213

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s s t+

s

51575 (1) 51576 (2) 41001 (3) (12) (13) (14) 51613


51575 (a) (b) 51576 (a) (b) Included (a) (b) 51613 (a) (b)

* (12)(17)(18) s s

10255 (8) 10257 (11) (15)

* (12)(17) (18) 10255

(a) (b)

(a) (b) 10257


(a) (b)

30

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes corrugating or laminating of paper. Paper or paperboard manufacturing shall be separately classified and rated. (51575) (2) This classification includes box parts manufacturing. (51576) (3) Troops, sponsoring organizations and scout committees, scout masters, and Assistant scout masters are included as additional interests without additional Charge. Use Endorsement CG 2006 Camps shall be separately classified and rated Rates for this classification apply to maximum number of scouts registered at any time during the policy period regardless of turnover. Basis of premium is each scout. (41001) (4) Use applicable code according to the character of the material being manufactured. (5) E, H NOC Includes Bristles (6) NA (7) Noncombustible materials only (bricks, concrete, sand, tile, etc.), use Code 1650. Cement, hydrated or slaked lime, use Code 1650. Lumber, plywood or timbers, lumber products other than furniture, box shook, sash, doors and similar products, use Code 1650. Mixed building material not noted above, use Code 0567. Yard storage, use Code 1650.

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(8) This classification includes incidental lumberyard operations. (10255) The following shall be separately classified and rated: • Renting of equipment • Installation work • Home Improvement Stores (9) C-Rate group 2 E, H NOC Excluding Hardware tools, electrical equipment and supplies and heating and plumbing equipment and supplies. This footnote does not apply to Contents Fire. (10) NA (11) The following shall be separately classified and rated: (10257) • Retail operations (12) (13) (14) (15) (16) (17) (18)

• Sale of secondhand building material or lumber Refer to company Exclude Assault & Battery SL-4 Exclude Sexual Abuse SL-10 Attach Asbestos Exclusion SL-11 NA General Liability prohibited for any residential or habitational Attach Pre Existing Damage Exclusion SL-63 and contractors supplemental application


31


Description

Buildings Or Premises – Bank And Other Financial Institutions Buildings Or Premises – Bank Or Office – Mercantile Or Manufacturing (Lessor’s Risk Only) – Not-For-Profit Only Buildings Or Premises – Bank Or Office – Mercantile Or Manufacturing (Lessor’s Risk Only) – Other Than NotFor-Profit Buildings Or Premises – Bank Or Office – Mercantile Or Manufacturing – Maintained By The Insured – NotFor-Profit Only Buildings Or Premises – Bank Or Office – Mercantile Or Manufacturing Maintained By The Insured – Other Than Not-For-Profit Buildings Or Premises – Office – NotFor-Profit Only Buildings Or Premises – Office – Other Than Not-For Profit

CCIS-a-b.Doc

FIRE

CRIME

Class Code

Class Code

0702

N/A

(7)

5310


1 (6) N/A (4)

5,000


a+ a+

61223 (5) (6) 61216 (5) (9) (10)


Included (a) (b) (o) (p) (q) (r) Included (a) (b) (k) (p) (q) (r)

(7)

5310

N/A (4)

a+

61212 (5) (10) (9)

Included (a) (b) (k) (p) (q) (r)

(7)

5310

N/A (4)

a+

61218 (5) (10)


(7)

5310

N/A (4)

a+

61217 (5) (10)


0702 0702

N/A N/A

1 (4) 1 (4)

5,000 5,000

a+ a+

61227 NOC (5) 61226 NOC (5)

Included (a) (b) (o) (p) (q) (r) Included


(a) (b) (o) (p) (q) (r)

32

CenCal Insurance Services Commercial Lines Manual Classification Table (1) NA (2) NA (3) For Businessowners Only: (a) Use Code 65121 when owner-occupied as an office. The Business Personal Property of the owner must also be included in the policy, separately rated. (b) Use Office rates from Businessowners state rates. (4) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (5) For premium computation purposes include the area of private garages. (61223) (61227) (61226) (61216) (61212) (61218) (61217) (6) The following shall be separately classified and rated: (61223) • Sales of repossessed goods or merchandise

(7) See specific classification. (8) For Businessowners Only: (a) For Mercantile Lessor’s risks, use the first four digits of the otherwise applicable classification code and the fifth digit as “O”. (b) If owner-occupied as a Retail Store in whole or in part, the business personal property of the retail store must also be included in the policy separately rated. Use the retail store classification code otherwise applicable. (c) For Office Lessor’s risks with no apartment occupancy, use Class Code 65198. (9) This classification applies only if the insured is not responsible for care and maintenance of the buildings. (61216) (61212). (10) Unusual occupancies or hazardous operations must be referred to company.

• Premises primarily occupied by the employees of the insured and not generally open to the insured’s customers or the general public, as an office

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33


Description Buildings Or Premises – OfficePremises Occupied By Employees Of The Insured – Not-For-Profit Only Buildings Or Premises – OfficePremises Occupied By Employees Of The Insured – Other Than Not-ForProfit Bus Stations Or Terminals Buttons Or Fasteners Mfg.

FIRE

CRIME

Class Code

Class Code

(1)

N/A

(1)

N/A


5,000

2 (4)

5,000

a+

a+

61225 (2) (3)

Included

61224 (2) (3)

Included

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

(a) (b) (o) (p) (q) (r) 0567 (5) *

4850 (11) 3395

3 (8) 1

(1) See specific classification. (2) For premium computation purposes include the area of private garages. (61225) (61224) (3) This classification applies to premises primarily occupied by the employees of the insured and not generally open to the insured’s customers or the general public. (61225) (61224) (4) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP.

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5,000

t+

5,000

s

41210 (6) (8) (9) 51666

Included (10)

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

(5) Stores, restaurants, warehouses or other occupancies in terminals shall be considered as separate occupancies. (6) Restaurants and refreshment stands shall be separately classified and rated. Basis of premium is each station or terminal. (41210) (7) C – Rate Group 4. E, H – Excluding restaurant or drugstore operations, wines or liquors, use Rate Group 1. This footnote does not apply to Contents, Fire. (8) Attach assault and battery exclusion SL-4 (9) Attach sexual abuse exclusion SL-10 (10) Refer to company products (11) For independent terminal operations use code 4880


34


Description Cable Or Subscription Television Companies Cable Or Wire Mfg. Camera And Photographic Equipment Stores Camper Or Travel Trailer Sales Agencies

FIRE

CRIME

Class Code *

Class Code 5135

6850 0567 (15) (10) (11)

3320 4430 4410

CRIME AND CONTENTS, FIRE Rate Class Group Limit 4 15,000 1 (6) 3 (7) 3

(1) NA (2) This classification includes the installation of lines and equipment at the customer’s premises. Cable TV line construction shall be separately classified and rated as “Telephone, Telegraph or Cable Television Line Construction”. (91315) (3) NA (4) NA (5) This classification includes incidental service and repair. (10309) (6) Excluding electrical wire or cable manufacturing. This footnote does not apply to Contents, Fire. (7) SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire.

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5,000 25,000 15,000

GENERAL LIABILITY Premium Premises Products Base Code Code p+ 91315 91315 (2) (8) * s s

* 10309 (5) 10315 (12)

* (14) 10309

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

(14) (a) (b)

(8) NA (9) NA (10) Campers or Trailers without motors and without repair, use Code 0550 and CPP PMA M. Campers or Trailers without motors and with repair, use Code 0922 and CPP PMA S. (11) This classification includes incidental installation, service and repair. Self-powered units shall be separately classified and rated under Division One – Automobile. (10315) (12) NA (13) NA (14) Refer to company products (15) Refer to theft guidelines


35


CRIME

Class Code (1) (2) (6)

Class Code 7215 (6)

Campgrounds – Other Than Not-ForProfit

(1) (2) (6)

7215 (6)

1

5,000

Camps – For Profit

(6)

7215 (6)

1

5,000

Camps – Not- For Profit

(6)

7215 (6)

1

5,000

Can Mfg. – Metal

6850

33320

1

15,000

Candle Mfg.

5050

3395

1

5,000

Description Campgrounds – Not-For-Profit Only

CCIS-c.Doc

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s+ 10332 Included (3) (6) (7) (8) s+ 10331 Included (3) (6) (7) (8) t+ 41421 Included (4) (6) (7) (8) t+ 41422 Included (4) (6) (7) (8) s 51734 51734 (5) s 51741 51741


Comments & Application Coding No Saddle Animals (a) (b) No Saddle Animals (a) (b) No Saddle Animals (a) (b) No Saddle Animals (a) (b) Non-admitted only (a) (b) (a) (b)

36

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Girl Scout, Boy Scout, Church and YMCA camps, etc. including all buildings on premises (except private dwellings), use Code 0845 and CPP PMA 1. (2) Recreational Vehicle Parks: Laundries used by general public, offices, repair garages, gasoline stations, grocery stores and other retail stores, see specific occupancies. Laundries for tenants only, use Code 0922 and CPP PMA S. Property in the open such as pump houses, platforms or pads for mobile home or recreational vehicles, use Code 1190 and CPP PMA S. Community centers, recreational buildings, shelter houses, locker houses and other auxiliary or subsidiary buildings not provided for above, use Code 0844 and CPP PMA S. (3) Coverage does not apply to medical payments to campers nor to medical professional services. Use Exclusion – Camps Or Campgrounds Endorsement CG 22 39. (10332) (10331) The following shall be separately classified and rated: • Restaurants • Saddle animals • Swimming pools • Bathing beaches • Mobile home parks • Boats

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(4) This classification includes coverage for the operation of owned canoes and rowboats. Use Boats Endorsement CG 24 12. Coverage does not apply to medical payments to campers nor to medical professional services. Use Exclusion – Camps Or Campgrounds Endorsement CG 22 39. The following shall be separately classified and rated: • Saddle animals • Boats (other than canoes or rowboats) • Campgrounds Basis of premium is each camper day. The total number of “camper days” shall be the sum of the daily number of campers for each day in which the camp is in operation during the policy period. (41421) (41422) (5) Aerosol container manufacturing shall be separately classified and rated. (51734) (6) Refer to company (7) Exclude Assault And Battery – SL-4 (8) Exclude Sexual Abuse – SL-10


37


CRIME

Description

Class Code

Class Code

Candy or Confectionery Products Mfg.

2200

Candy or Confectionery Stores

0532 (2) 0931

3110 (10) 4452

Car Washes – Self-service

8111

Car Washes – Other Than Self-Service

0931

8111

Carbon Paper or Inked Ribbon Mfg.

4450

3395 (11)

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1

5,000

s

3 (4) 1 (7) 1 (7) 1

5,000

s

5,000

s+

5,000

s+

5,000

s

51752 (1) 10352 (3) 10368 (6) (8) 10367 (5) (6) 51767 (9)


51752 (a) (b) 10352 (a) (b) (p) Included (a) (b) (p) Included (a) (b) (p) 51767


(a) (b)

38

CenCal Insurance Services Commercial Lines Manual Classification Table (1) If products are sold principally in the insured’s own retail store at the same location, classify and rate as “Candy or Confectionery Stores”. (51752) (2) Sole occupancy and over 15,000 square feet, use Code 0432. (3) This classification includes candy or confectionery manufacturing at the same location as the store if the products are sold principally in that store. (10352) (4) C – Including Tobacco Products, use Rate Group 2. E, H – Excluding Tobacco Products, use Rate Group 1. This footnote does not apply to Contents, Fire. (5) This classification includes coverage for operation of customers’ automobiles on insured’s premises. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. (10367) (6) For premium computation purposes, receipts from towel dispensers, vacuum cleaners, etc. are to be included in gross sales. (10367) (10368) (7) C – Rate Group 3. E, H – Excluding Vending Machines, use Exclude Specified Property Endorsement CR 15 01. This footnote does not apply to Contents, Fire. (8) This classification applies to risks where customers physically wash their own vehicles. A $250.00 deductible per claim applies to property damage to customers’ automobiles. Use Deductible Liability Insurance Endorsement CG 03 00. (10368)

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(9) Paper Manufacturing shall be separately classified and rated. (51767) (10) For distributors use code 4230 (11) For distributors use code 4221


39


Description

Carpentry

Carpentry – Interior

Carpentry – Shop Only

Carpet or Rug Mfg.

FIRE

CRIME

Class Code

Class Code

(1) (3)

2350

(1)

3959

(6)

2350

2350

3140


*

2

Carpet, Rug, Furniture Or Upholstery Cleaning – On Customers’ Premises

(7)

5617

N/A

Carpet, Rug Or Upholstery Cleaning – Shop Only

(8)

5617

2

Catalog Or Premium Coupon Redemption Stores Caterers

CCIS-c.Doc

p

*

1


p

5,000

15,000

p

s

91342 (10)(12)(13) (14)(15) 91341 (4) (10) (12)(13)(14) (15) 91343 (5) (10)(12) (13)(14)(15)

p+

51777 (11) 91405

s+

11007

91342 (10)(12) (13)(14) (15) 91341 (4)(10)(12 (13)(14) (15) 91343 (5)(10)(12 (13)(14) (15) (11)


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

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

0567

4520

*

0542

7225

3

5,000

5,000

Included

s

11020

11020

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

s

11039 (9)

11039

(a) (b) (n)


40

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors equipment 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. (2) NA (3) Carpentry shop, use Code 3959 and CPP PMA IP. (4) This classification includes the installation of doors, floors, windows, cabinets and hardwood or parquet flooring. This classification is not applicable to contractors engaged in any other carpentry operations at the same job or location. (91341)

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(5) The following shall be separately classified and rated: (91343) • Lumberyards • Building material dealers • Home improvement stores (6) Use Code 2800 and CPP PMA IP for carpet or rug manufacturing. Carpet sales, use Code 0520 and CPP PMA M. (7) For storage of cleaning equipment and supplies, use Code 0567. (8) Refer to “Laundries and Dry Cleaning” classifications. (9) This classification applies to risks serving food away from the insured’s premises only. Concessionaires selling beverages or food at exhibitions, parks, shows, sports contests or theaters and store operations shall be separately classified and rated. (11039) (10) California contractors prohibited (11) Refer to company (12) Attach Pre Existing Damage Exclusion SL-63 (13) Attach Indoor Air Quality Exclusion EPA-353 (14) Attach Residential Projects Exclusion EAA-148 (15) Attach Contractors Supplemental Application NAA-110


41


Description

Ceiling Or Wall Installation – Metal

FIRE

CRIME

Class Code

Class Code

(1)

2350


1 (3)

5,000


p

91436 (2)(12)(13) (14)(15)

Cellophane and Cellophane Products Mfg. Cement, Concrete Mix Or Plaster Mfg. – Packaged

5100

3250

1

5,000

s

51796

6009

3270

1

5,000

s

Cement Or Plaster Mfg. – Bulk

6009 (10) (5)

51808 (4) (10) 51809 (4) (10) 41604 (6) (11) 41603 (6) (11) N/A

Cemeteries – Not-For-Profit Only

3270 (10) 8122

1 1

5,000 5,000

Cemeteries – Other Than Not-ForProfit

(5)

8122

1

5,000

Ceramics

(7)

3270

1

5,000

Chairs – Rented To Others

(9)

5320

CCIS-c.Doc

s t+ t+

s+

11052

91436 (2)(12) (13)(14) (15) (10)


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

(10) (a) (b) (10) (a) (b) Included (a) (b) Included (a) (b) (a) (b) Included


Non-Admitted Only (a) (b)

42

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors equipment 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. (2) Ceiling or wall installation other than metal shall be separately classified and rated as “Dry Wall or Wallboard Installation: or “Carpentry”. (91436) (3) Ceiling or Wall Installation – not plastering., Class Code 1500. This footnote does not apply to Contents, Fire. (4) The following shall be separately classified and rated: (51808) (51809) • Dredging • Excavation • Mining • Quarrying (5) Tombstones only, use Code 1190 and CPP PMA 1. All other buildings (except private dwellings and mausoleums), use Code 1070 and CPP PMA1. Also refer to “Mausoleums”.

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(6) This classification includes all buildings on the property other than mausoleums owned and operated by the cemetery. Professional services are excluded. Use Exclusion – Funeral Services Endorsement CG 21 56. The following shall be separately classified and rated: • Mausoleums owned or operated by the cemetery • Crematory operations Basis of premium is each acre. (41604) (41603) (7) Sales and/or storage only, use Code 0567 and CPP PMA M. With shop work (hobby or instructional), use Code 0921 and CPP PMA M. With shop work other than above, use Code 6009 and CPP PMA IP. (8) NA (9) For storage of chairs, use Code 0567. (10) Refer to company (11) Attach Professional Liability Exclusion (12) Attach Pre Existing Damage Exclusion SL-63 (13) Attach Indoor Air Quality Exclusion EPA-353 (14) Attach Residential Projects Exclusion EAA-148 (15) Attach Contractors Supplemental Application NAA-110


43


CRIME

Class Code

Class Code 7130

Chimney Cleaning

0844 (11) (2)

China, Porcelain Or Earthenware Mfg.

6009

Description Children’s Play Center – Indoor

Churches Or Other Houses Of Worship

Clay Products Mfg. Cleaning – Outside Surfaces Of Buildings Clock Mfg.

CCIS-c.Doc

CRIME AND CONTENTS, FIRE Rate Class Group Limit 215,000

5617

3 (10) N/A

3270

2

15,000

0900 (4)

8600

6009

GENERAL LIABILITY Premium Premises Products Base Code Code s+ p+

s

1 (9)

5,000

a+

3270

1

5,000

s

(2)

2350

1

5,000

p+

*

3347

1

15,000

s

11120 (1) (13) 91481 (17)(18)(19) (20) 51869 (3) 41650 (5) (13) (14)

51877 (7) 91523 (8) (16)(17) (18)(19)(20) 51889 (12)

Included Included

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

51869 (a) (b) Included (a) (b) (p)

(15) Included

(a) (b) Commercial Work Only (a) (b)

51889


(a) (b)

44

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to commercially operated indoor play facilities for children. This classification does not apply to a children’s play center operated in connection with the insured’s business and on the same premises, if the classification to which the insured is assigned is rated on a gross sales basis. (11120) (2) Contractors equipment 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 or O. Vehicle storage or repair, refer to “Automobile” classifications. (3) This classification includes construction or reconstruction of sheds or kilns. (51869) The following shall be separately classified and rated: • Clay or shale digging • Sand digging • Mining • Quarrying • Manufacturing of building materials (4) 0900 also applies to all auxiliary buildings other than academic schools, habitational buildings, or dwellings. (5) Burial sites located in the same premises are included at no additional charge. Church members are included as additional insured. Use Additional Insured – Church Members, Officers And Volunteer Workers Endorsement CG 20 22. (41650) The following shall be separately classified and rated: • Camps • Private residences, as dwellings except that no charge shall be made for private residences occupied full-time and used exclusively for residential purposes by clergy or other religious members and their families.

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(6) This classification includes milling and preparing of clay and shale. (91507) The following shall be separately classified and rated: • Canal, sewer or cellar excavation • Underground mining (7) The following shall be separately classified and rated: (51877) • Clay or shale digging • Sand digging Mining Quarrying (8) This classification applies to risks primarily engaged in cleaning the outside surfaces of buildings, including power washing with water or laser-beam techniques. Sandblasting operations shall be separately classified and rated. (91523) (9) C – Rate Group 3. This footnote does not apply to Contents, Fire. (10) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (11) With cooking facilities, use Code 0542. (12) This classification does not include clock or clock works used for the operation, timing, regulation or control of machinery or equipment other than household type appliances. Time devices of this nature shall be separately classified and rated as “Instrument Mfg.”. (51889) (13) Attach -Exclusion Sexual Abuse – SL-9 (14) Exclude professional liability (15) Refer Products to company (16) Refer to company work on buildings over 3 stories (17) Attach Pre Existing Damage Exclusion SL-63 (18) Attach Indoor Air Quality Exclusion EPA-353 (19) Attach Residential Projects Exclusion EAA-148 (20) Attach Contractors Supplemental Application NAA-110


45


CRIME


Class Code

Class Code

Clothing Mfg.

3009

3150

(2) (3)

Clothing Or Wearing Apparel Distributors

0567 (4) 0520 (4) 0520 (4)

4223

4 (1) 4 (1) 4 (1)

Description.

Clothing Or Wearing Apparel Stores – Not-For-Profit Only Clothing Or Wearing Apparel Stores – Other Than Not-For-Profit

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4480 4480


15,000

s

25,000

s

25,000

s

51896 (8) 11126 (5) 11128 (5) (6) 11127 (5) (6)

51896 (8) 11126

Comments & Application Coding (Exclude Children’s) (a) (b) (p) (a) (b)

11128 (a) (b) (o) (p) 11127


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

46

CenCal Insurance Services Commercial Lines Manual Classification Table (1) SBF and SBR – Clothing – Ladies and Girls (Coats, Suits and Dresses); Haberdashery and Men’s furnishings, Ladies’ Specialty Stores and Men’s and Boy’s Clothing (Coats and Suits), SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

Clothing – Ladies and Girls (Coats, Suits and Dresses) Furs (Including Pelts) Haberdashery and Men’s Furnishings Hosiery Ladies’ Specialty Stores Ladies’ Undergarments and Lingerie Leather Men’s and Boys’ Hats and Caps Men’s and Boys’ Clothing (Coats & Suits) Millinery and Trimmings Shoes – Ladies’, Men’s and Children’s Wigs

BP Class Code

BP Rate No.

BP Rate Group

Crime Class Code

Crime And Contents, Fire Rate Group

Crime And Contents, Fire Class Limit

56214 56814 56113 56313 56319 56312 * 50333 56114 56311 56613 59993

3 3 3 3 3 3 * 3 3 3 1 3

10 8 6 4 5 6 * 2 10 2 4 3

2300

3 * 4 2

15,000

(3) E, H – Haberdashery and Men’s Furnishings – excluding Topcoats, Overcoats, and Suits, use Exclude Specified Property Endorsement CR 15 01. Rate Group 3. This footnote does not apply to Contents, Fire. (4) If over 5 employees engaged in sewing, use Code 3009 and CPP PMA IP. (5) This classification includes tailoring, clothing alterations and repair work but excludes manufacturing. Manufacturing of clothing shall be separately classified and rated. (11126) (11128) (11127) CCIS-c.Doc

(2) Refer to the following table:

2300 2250 2300 2301 2300 2300 2300 3100 3900

3 * * 4 1 * Children’s Infants Wear

15,000 15,000 15,000

15,000 15,000 and

56413

3

(6) Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (11128) (11127) (7) NA (8) Refer to Company accounts that manufacture children’s sleepwear


47


CRIME

Class Code

Class Code

Club – Civic, Service Or Social – Having Buildings Or Premises Owned Or Leased – Not-For-Profit Only

(1)

8133

Club – Civic, Service Or Social – Having Buildings Or Premises Owned Or Leased – Other Than Not-For-Profit

(1)

Clubs – Civic, Service Or Social – No Buildings Or Premises Owned Or Leased Except For Office Purposes – Not-For-Profit Only Clubs – Civic, Service Or Social – No Buildings Or Premises Owned Or Leased Except For Office Purposes – Other Than Not-For-Profit

(1)

Description

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(1)

8133

8133

8133


15,000

3 (3)

15,000

N/A

N/A

GENERAL LIABILITY Premium Premises Products Base Code Code a+

a+

t+

t+

41668 (2) (5) (6) (7) 41667 (2) (5) (6) (7) 41670 (4) (5) (6) (7) 41669 (4) (5) (6) (7)


Included (a) (b) (p) Included (a) (b) (p) Included (a) (b) (p)

Included


(a) (b) (p)

48

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Clubs such as golf clubs, tennis clubs and similar sports facilities: With cooking, use Code 0755. Without cooking, use Code 0756. Clubs, NOC, including fraternal and union halls, use Code 0757. Also refer to “Recreational Facilities” and “Clubs – horseback riding, swimming pools, etc.”. (2) Club members are included as additional insureds. Use Additional insured – Club Members Endorsement CG 20 02. This classification does not apply to parks or other grounds where admission is charged. (41668) (41667) The following shall be separately classified and rated: • Camps • Motorboats or sailboats • Saddle animals • Skeet shooting or trap shooting ranges • Ski lifts or tows • Stadiums, grandstands or bleachers – outdoor – permanent or portable • Grounds in excess of 5 acres, as “Vacant Land” • Swimming pools • Bathing beaches • Toboggan slides • Activities conducted by the insured to which the public is admitted for an admission charge • Restaurants

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(3) C – Clubs – Serving Food, Beers, Wines, Liquor or Other Alcoholic Beverages, use Rate Group 4. E, H – Excluding restaurant or drugstore operations, use Limit Coverage To Specified Portion Of Premises Endorsement CR 15 08, Rate Group 1. If excluding wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1. SBF, SBR – Clubs – Rate Group 3. This footnote does not apply to Contents, Fire. (4) Club members are included as additional insureds. Use Additional Insured – Club Members Endorsement CG 20 02. This classification includes clubs and organizations such as: Advertising, Business and Professional Women’s lodges, Civitan, Exchange, Fraternities or Sororities, Kiwanis, Lions, Optimist, Rotary and Round Table which hire or rent premises only for specified days for meeting purposes. The following shall be separately classified and rated: • Activities conducted by the insured to which the public is admitted for an admission charge • Buildings or premises, other than offices, owned by or rented to the insured, except premises hired or rented only for specified days for meeting purposes. • Premises occupied by the insured for purposes other than meetings of members and guests Basis of premium is each member. (41690) (41669) (5) This classification applies only to clubs which charge a membership fee to join, may assess fees to cover expenses and/or liabilities, and provide that members oversee activities or elect directors, officers or management. (41667) (41668) (41669) (41670) (6) Clubs such as VFW, American Legion, etc. can be considered. All others must be referred to Company. Watch special events exposure. (7) Attach Assault and Battery Exclusion SL-4


49


Description Clubs – Country Or Golf

Clubs – Racket Sports And Handball

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FIRE

CRIME

Class Code

Class Code

(1)

7990

(1)

7940


3 (2)

25,000

15,000

GENERAL LIABILITY Premium Premises Products Base Code Code s+

s+

11138 (3 ) (4) (5) (10) (11) (12)

Included

41665 (4) (5) (8) (10) (11) (12)

Included


(a) (b)


(a) (b)

50

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Clubs such as golf clubs, tennis clubs and similar sports facilities: With cooking, use Code 0755. Without cooking, use Code 0756. Clubs, NOC, including fraternal and union halls, use Code 0757. Also refer to “Recreational Facilities” and “Clubs – horseback riding, swimming pools, etc.” (2) C, - Clubs – Serving Food, Beers, Wines, Liquor or Other Alcoholic Beverages, use Rate Group 4. E, H – Excluding restaurant or drugstore operations, use Limit Coverage To Specified Portion of Premises Endorsement CR 15 08, Rate Group 1. If excluding wines or liquors, use Exclude Specified Property Endorsement CR 15 01, Rate Group 1. SBF, SBR – Clubs – Rate Group 3. This footnote does not apply to Contents, Fire. (3) This classification includes Golf Carts rented to others. Use Additional Insured – Users of Golf Carts Endorsement CG 20 08. (11138) (4) The following shall be separately classified and rated: (11138) (41665) • Swimming pools • Bathing beaches • Restaurants and refreshment stands • Sales of sporting goods (5) Club members are included as additional insureds. Use Additional Insured – Club Members Endorsement CG 20 02. (11138) (41664) (41665) (41666) (6) NA

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(7) NA (8) Coverage does not apply to medical payments. Use Exclusion – Coverage C – Medical Payments Endorsement CG 21 35. (41665) (9) NA (10) For premium computation purposes do not include one time initiation fees in gross sales. (11138) 41665) (41666) (11) This classification applies only to clubs which charge a membership fee to join, may assess fees to cover expenses and/or liabilities, and provide that members oversee activities or elect directors, officers or management. (11138) (41664) (41665) (41666) (12) Attach – Exclusion Participants And Contestants – SL - 8


51


Description Coffins Or Caskets Mfg. Collectibles and Memorabilia Stores

Commission Merchants – Produce

FIRE

CRIME

Class Code

Class Code

*

3395

2

15,000

s

51900

51900

0567 (4) (15) *

4530

4

15,000

s+

11155 (4)

Included

(7)

(16)

4230

Communication Equipment Installation – Industrial Or Commercial

(9)

2350

Communication Or Recording Systems Or Equipment Mfg. – Industrial Or Commercial Communication Or Recording Systems Or Equipment Mfg. – Other Than Industrial Or Commercial

(12)

3347

(12)

3347

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2 (8) 2 (11) 2 (11) 2 (11)

5,000


*

25,000

p

25,000

s

25,000

s

Comments & Application Coding (a) (b)

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

91551 (10) 51926 (14)

(16)

51927 NOC (13)

(16)

(16)


(a) (b) Non Admitted Only (a) (b) (d1) Non Admitted Only (a) (b) Non Admitted Only (a) (b)

52

CenCal Insurance Services Commercial Lines Manual Classification Table (1) (2) (3) (4) (5) (6) (7) (8) (9)

NA Distributors – Use BP Class Code 50261, Rate No. 4, Rate Group 7. NA The classification does not apply to stores engaged in the sale of antique furnishings. (11155) NA NA Refer to “Manufacturers’ Representatives”. C – Rate Group 2. This footnote does not apply to Contents, Fire. Sales and/or storage with no repair use Code 0567 and CPP PMA C or M. Repair only with no sales or storage use Code 0922 and CPP PMA C or S.

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(10) The following shall be separately classified and rated: (91551) • Outside electrical power line construction • Telephone, telegraph or cable TV line construction • Household communication equipment, appliances – household (11) E, H – NOC. This footnote does not apply to Contents, Fire. (12) Electronic components use Code 6900. Heavy metal, use Code 6810. Other metal, use Code 6850. Plastic parts use Code 5500. (13) This classification includes the manufacturing of televisions, radios, stereo equipment, tape or cassette recorders, telephones, intercom systems, telephone answering equipment, home video equipment, etc. (51927) (14) This classification includes the manufacturing of data communication equipment, paging or signaling equipment, radio or television transmitting equipment, sound equipment, monitors, scanners, etc. (51926) (15) Property on building or office contents only (16) Refer to company products


53


Description Community Recreational Facilities – Not Operated By Governmental Agency Computer Consulting Or Programming Computer Data Processing – Time Sharing Computer Data Processing – Operations Computer Mfg. Computer Service Or Repair

CCIS-c.Doc

FIRE

CRIME

Class Code

Class Code

0844

7130

3 (9)

5,000

a+

41678 (1) (12) (13)

Included

0702 (11) *

5415

1 (10) 2

5,000 (10) 15,000

p+

41675 (5) 43152 (3) 43151 (7) 51941 (3) 91555 (6)

Included

(4) 6900 0922

5415 5415 3347 8112


2 4 3

15,000 50,000 25,000


s a+ s p

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

(a) (b) (d1) 51941 (a) (b) Included (a) (b) (o) 51941 (a) (b) 91555


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

54

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to any community recreational facility operated by the private sector. Social services, other than services of a recreational nature, provided by the insured shall be separately classified and rated. (41678) (2) This classification includes fiberboard and acoustic tile. (51934) (3) This classification includes the development or manufacturing of computer operating systems and component parts. Liability arising out of the selling, licensing, franchising or furnishing of computer operating systems developed by the insured is excluded. Use Professional Liability Exclusion – Computer Software Endorsement CG 22 75. The installation, inspection, service or repair of computers, word or data processors or similar equipment shall be separately classified and rated as “Office Machines or Appliances – Installation…” Development of computer software shall be separately classified and rated. (51941) (4) Governmental, use Code 0701 and CPP PMA 1. Other than Governmental, use Code 0702 and CPP PMA O or S.

CCIS-c.Doc

(5) This classification applies to risks providing computer consulting services to others, including custom designed computer programs, instruction or data retrieval services, on or off the insured’s premises. Computer instructions conducted at the insured’s premises open to the general public for a fee should be classified and rated under an appropriate “Schools” classification. Professional services are excluded. Use Professional Liability Exclusion – Electronic Data Processing Services And Computer Consulting Or Programming Services Endorsement CG 22 88. For premium computation purposes, include the payroll of all employees. (41675) (6) This classification applies to risks specializing in installation, service or repair of computers or computer-related equipment not sold by the insured. An insured who sells computers and computer related equipment and also does installation, service or repair work on computers or computer related equipment, whether or not such work is limited to the products sold by that insured, shall be classified and rated as “Computer Stores”. (91555) (7) This classification applies to risks that provide time-sharing on their own computer systems. (43152) (8) NA (9) This classification applies to risks which use their own computer systems to provide a full range of services to others. Liability arising out of errors and omissions is excluded. Use Professional Liability Exclusion – Computer Data Processing Operations Endorsement CG 22 77. Risks that develop software packages to be used with customers’ computer systems shall be referred to company. (43151) (10) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents Fire. (11) This classification applies to Offices only. (12) Refer to State Rate Section of the CLM Division Five – Fire and Allied Lines. (13) Attach Exclusion Participants And Contestants – SL-8 (14) Exclude operations of swimming pools.


55


Description Computer Stores Concessionaires Concessionaires – Checkroom, Shoeshine, Or Toilet Concessions In Hotels, Restaurants, Railroad Stations, Etc. Concrete Construction Concrete – Mixed in Transit Concrete Or Plaster Products Mfg. – Not Structural

CCIS-c.Doc

CRIME

Class Code

Class Code

0570 (8) *

4430

*

N/A N/A

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 -----

25,000 -----

GENERAL LIABILITY Premium Premises Products Base Code Code s s+ s+

11160 (6) 11168 NOC (7) 11167


11160 (a) (b) (o) (p) 11168 (a) (b) (o) (p) Included (a) (b) (o) (p)

(3) 6009 6009 (9)

2350 2330 (9)

1 N/A

5,000

p s

91560 (9) 51956 (2) (9) (9)

91560 (9) 51956 (9) (9)


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

56

CenCal Insurance Services Commercial Lines Manual Classification Table (1) NA (2) This classification includes operations at the insured’s permanent yard maintained for the storage of material or the storage and maintenance of equipment. (51956) (3) For contractor’s office, use Code 0702, CPP PMA C or O. For electrical, plumbing, heating, air conditioning or sheet metal contractors storage facilities, use Code 0563, CPP PMA C. For all other contractor’s storage facilities, use Code 0567, CPP PMA C. For contractors equipment in the open, use Code 1190, CPP PMA C. Vehicle storage or repair, refer to “Automobile” classifications. (4) NA

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(5) NA (6) This classification applies to risks which predominantly sell computers, computer accessories and computer- related or peripheral products, including pre-packaged computer software. This classification includes installation, service, repair or leasing of computers and computer-related or peripheral apparatus, accessories or equipment, including pre-packaged computer software for or to others, regardless of whether such apparatus, accessories or equipment were sold by the insured. This classification does not apply to risks whose sales of computers, computer accessories or computer-related or peripheral products is incidental to the insured’s business. Incidental sales of such products is included in the appropriate “Stores” or “Dealers” classification. (11160) (7) This classification applies to concessionaires selling beverages or food by means of hawking or peddling at exhibitions, parks, shows, sports contests or theaters, including the incidental selling or renting of other merchandise, and restaurants operated by the insured, at the same location. This classification does not apply to concessionaires selling or renting primarily merchandise other than beverages or food. Such risks shall be referred to company. Concessionaires operating restaurants or refreshment stands only, with no hawking or peddling, at exhibitions, parks, shows, sports contests or theaters shall be classified and rated as “Restaurants – refreshment stands and drive-ins with tray service”. (11168) (8) See Theft guidelines (9) Refer to company (10) NA


57


Description Condominiums – Commercial – Bank Or Mercantile, Manufacturing Or Office (Association Risk Only) Condominiums – Commercial Shopping Centers (Association Risk Only) Condominiums – Commercial Warehouses – Manufacturing Or Private (Association Risk Only) Condominiums – Residential – (Association Risk Only)

CCIS-c.Doc

FIRE

CRIME

Class Code

Class Code

*

8139

*

*

(6)

8139

8139

8139


15,000

3 (4)

15,000

3 (4)

15,000

3 (4) (7)

15,000


a+

a+

u+

62000 (2) (3) (12)

Included

62001 (2) (5) (12)

Included

62002 (2) (3) (12)

Included

62003 (2) (8) (12)

Included

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

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

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


Must Provide CC of D&O (a) (b) (k) (p) (q)

58

CenCal Insurance Services Commercial Lines Manual Classification Table (1) For Office Condominium Associations, use BP Class Code 60999 and refer to Condominiums – Office rates. (2) This classification includes coverage for each individual unit owner of the condominium for liability arising out of the ownership, maintenance or repair of that portion of the premises which is not reserved for that unit owner’s exclusive use or occupancy. Use Additional Insured – Condominium Unit Owners Endorsement CG 20 04. (62000) (62001) (62002) (62003) (3) For premium computation purposes the area shall include the area of each unit and indoor parking areas. (62000) (62002) (4) E, H – Excluding restaurant or drugstore operations, wines or liquors, use Rate Group 1. This footnote does not apply to Contents, Fire. (5) For the purpose of this classification a shopping center must consist of at least 5 stores and at least 25,000 square feet of area for automobile parking at each location. Events or exhibitions at shopping centers, sponsored or operated by the Condominium Association shall be referred to company. For premium computation purposes, the area shall include the area of each unit and the total area of the public parking lot including lawns, dividers, malls, etc., within the outer boundaries of the lot and shall also include any access roads to or form the parking area which are maintained by the Condominium Association, but shall not include restricted delivery truck parking areas or areas restricted to pickup only. (62001) (6) Apartments or tenements: Up to 10 units, use Code 0311. 11 to 30 units, use Code 0312. Over 30 units, use Code 0313.

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(7) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (8) The following shall be separately classified and rated: (62003) • Commercial condominiums • Swimming pools • Bathing beaches • Indoor parking • Boat moorage facilities (9) This classification applies to risks who provide consulting services to others, regardless of whether such services are provided on the insured’s own premises or the premises of others. For premium computation purposes, include the payroll of qualified consultants; and the payroll of employees performing support functions for those consultants at clients’ premises, whether or not directly working with clients of the insured. (41677) The following type of consultation shall be separately classified and rated: • Architectural • Engineering • Legal • Medical • Computer consulting (10) This classification applies to Offices only. (11) Refer to State Rates Section of the CLM Division Five – Fire and Allied Lines. This classification applies to Offices only. (12) Refer to Company Condominiums with recreational facilities including pools, and those that are over 3 stories (13) Use Exclusion Products/Completed Operations Hazard. CG2104


59


Description

FIRE

CRIME

Class Code

Class Code



Contractors

(1)

*

p

Contractors – Executive Supervisors Or Executive Superintendents

(1)

N/A

p+

Contractors – Subcontracted Work - In Connection With Building Construction, Reconstruction, Repair Or Erection – Apartment Or Office Buildings Over Four Stories Contractors – Subcontracted Work - In Connection With Construction, Reconstruction, Erection Or Repair – Not Buildings Contractors – Subcontracted Work - In Connection With Construction, Reconstruction, Repair Or Erection Of Buildings – For Industrial Use

(1)

*

c

CCIS-c.Doc

(1)

2330

2330

*

c

94444 (4) (6)(7)(8) (9)(10) 91580 (2) (6)(7)(8) (9)(10) 91582 (3) (6)(7) (8)(9)(10)

94444 (4)(6)(7) (8)(9)(10) 91580 (2)(6)(7) (8)(9)(10) 91582 (3)(6)(7) (8)(9)(10)

91581 NOC (3) (6)

91581

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

(a) (b) (d1) (s) (1)

2330

*

c

91584 (3) (6)

91584 (a) (b) (d1) (s)


60

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors Not otherwise classified: Equipment 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. (2) This classification only applies to executive supervisors or executive superintendents having administrative or managerial responsibility for construction or erection projects and exercising supervisory control through job superintendents or foremen. This classification includes products coverage only when concurrent liability insurance for products/completed operations is provided for other contracting operations of the insured. This classification does not apply to any person who is directly in charge of daily construction operations. Such person shall be separately classified and rated under the appropriate contractors classification. This is an N.P.D. classification. For premium computation purposes, the payroll of employees assigned to this classification may not be divided with another classification. (91580)

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(3) This classification applies to that portion of the operations performed by adequately insured subcontractors of the insured. Operations performed by subcontractors without adequate insurance shall be classified and rated under the specific classification description for each operation. Determination of the adequacy of insurance shall be made in accordance with criteria established by the company prior to policy inception. (91588) (91582) (91583) (91581) (91584) (4) This classification applies only where there is no other appropriate classification assignable to the risk. For Increased Limits Tables assignment, refer to company. (94444) (5) Refer to Businessowners Special Trade Contractors rates of CLM Division Nine – Multiple Line – Businessowners Subdivision. (6) Refer to Class Write Up Section General Contractors (7) Attach Pre Existing Damage Exclusion SL-63 (8) Attach Indoor Air Quality Exclusion EPA-353 (9) Attach Contractors Supplemental Application NAA-110 (10) Attach Residential Projects Exclusion EAA-148


61


CRIME

Class Code

Class Code

Contractors – Subcontracted Work – In Connection With Construction, Reconstruction, Repair Or Erection Of Buildings

(1)

2330

Contractors – Subcontracted Work – In Connection With Pipeline (Other Than Oil Or Gas) Or Communication Or Power Line Construction, Reconstruction Or Repair Contractors – Subcontracted Work Other Than Construction-Related Work

(1)

Description

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0702 (5)

2330

6501

CRIME AND CONTENTS, FIRE Rate Class Group Limit *

c

*

1 (7)


c

5,000

c

91585 (2) (8) (9) (10)(11)(12) 91587 (2) (8)(9) (10)(11)(12) 91591 (4) (8)

91585 (2)(8)(9) (10)(11) (12) 91587 (2)(8)(9) (10)(11) (12)

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

91591S


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

62

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors not other wise classified: Equipment 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. (2) This classification applies to that portion of the operations performed by adequately insured subcontractors of the insured. Operations performed by subcontractors without adequate insurance shall be classified and rated under the specific classification description for each operation. Determination of the adequacy of insurance shall be made in accordance with criteria established by the company prior to policy inception. (91585) (91586) (91587) (91589) (3) This classification includes oil or gas pipeline construction, reconstruction or repair. (91586)

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(4) This classification applies to any insured contractor who is assigned to any contracting classification for non-construction related work only when such insured contractor subcontracts all or a portion of his/her work to an adequately insured subcontractor or subcontractors. Operations performed by subcontractors without adequate insurance shall be classified and rated under the specific classification assignable to contracting risks for such operations. Determination of the adequacy of insurance shall be made in accordance with criteria established by the company prior to policy inception. If an insured contractor is involved in construction work and subcontracts such work or a portion of such work, to subcontractors, such subcontracted work shall be classified and rated under an appropriate “Contractors-subcontracted work - …” classification for construction work only. (91591) (5) This classification applies to Offices only. (6) Refer to State Rate Section of the CLM Division Five- Fire and Allied Lines. This classification applies to Offices only. (7) Refer to State Rates Section of the CLM Division Five – Fire and Allied Lines for Fire and CPP. (8) Refer to Class Write Up Section General Contractors (9) Attach Pre Existing Damage Exclusion SL-63 (10) Attach Indoor Air Quality Exclusion EPA-353 (11) Attach Contractors Supplemental Application NAA-110 (12) Attach Residential Projects Exclusion EAA-148


63


CRIME

Description

Class Code

Class Code

Convenience Food Stores

0532

4451


Convenience Food/Gasoline Stores – Full Service

(8)

Convenience Food/Gasoline Stores – Self-Service

0931

4470

Convenience Food/Gasoline Stores – Self And Full Service Combined

4470

Conventions (Sponsor’s Risk Only) – Not-For-Profit Only

* (8) * (9)

* (9)

3 (4) 3 (7) 2 (7) 2 (7) * (9)

Conventions (Sponsor’s Risk Only) – Other Than Not-For-Profit

* (9)

* (9)

* (9)

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4470


15,000

5,000

t+

* (5) * (6)(10) * (6)(10) * (6)(10) * (9)

5,000

t+

* (9)

15,000 15,000 15,000

* (5) * (6) * (6) * (6) * (9) * (9)


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

(a) (b)

64

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification is applicable only to a permanent yard maintained by a contractor for the storage of material or the storage and maintenance of equipment. It is not available for division of payroll at the place where construction operations are carried on. This classification includes products coverage only when concurrent liability insurance for products/completed operations is provided for other contracting operations of the insureds. Mill operations or fabrication shall be separately classified and rated. (91590) (2) Basis of risk is each convention day. (41673) (41672) (3) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (4) Contents, Fire – NA. (5) Refer to “Grocery Stores”. (6) Refer to “Grocery Stores” and “Gasoline Stations”.

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(7) 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, 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. (8) No repair, use Code 0931. With repair limited to auto glass replacement, battery replacement, brake adjustments, tire changing, tune ups (points, plugs and carburetor adjustments), oil changing, lubrications, speedometer adjustments and similar services, use Code 0932. With major engine repair, use Code 0933. (9) Refer to company (10) Attach Assault and Battery Exclusion SL-4


65


CRIME



Class Code

Class Code

Convents Or Monasteries

(6)

8131

1

5,000

a+

Copying And Duplicating Services – Retail

(8)

5614

1

5,000

s+

Cosmetic, Hair Or Skin Preparation Stores

0567

Cosmetics Mfg.

5000

Description

Cotton Or Wool Merchants Cutlery (Not Powered) And Flatware Mfg.

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(3) 6850 (15)

4462 3250 4225 3320

1 (10) 1 (10) 1 2 (16)

15,000 15,000 15,000 15,000

s s s s

41680 (7) 11222 (11) 11234 (9) (12) 51970 (14) 11248 (4) (13) 51999


Included (a) (b) Included (a) (b) (o) (p) (13) (a) (b) (o) (p) No (a) (b) 1 (13) 51999


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

66

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Cotton waste, use Code 1400. Cotton batting and wadding, use Code 2800. (2) This classification includes warehousing. (51985) (3) Cotton cloth, use Code 0520. Cotton batting, use Code 1300. (4) This classification includes warehousing. (11248) (5) This classification applies to the following type of cotton gin operators only: • Ginning cotton without a fee and obtaining the right to broker the cotton and/or seeds for a commission • Ginning cotton without a fee and keeping the cotton seeds Cotton gin operations with a fee per bale shall be classified and rated as “Cotton Gin Operations”. Basis of premium is per 1,000 bales. (41679) (6) Up to 10 units, use Code 0077. 11-30 units, use Code 0078. Over 30 units, use Code 0079. (7) The following shall be separately classified and rated: (41680) • Schools, other than schools for novitiates • Public chapels or churches • Operations conducted for commercial purposes

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(8) Copying and Duplicating Services, use Code 0921. Sale of copying and duplicating equipment with or without repair, use Code 0567. Repair of copying and duplicating equipment with no sales or storage, use Code 0922. (9) This classification includes stores with incidental application of products for demonstration purposes. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. Beauty Parlors and Hair Styling Salons shall be separately classified and rated. (11234) (10) E, H – NOC. For perfumes and essential oils, refer to “Extracts Mfg.”. This footnote does not apply to Contents, Fire. (11) This classification includes stores in which customers drop off film for development and pick up photographs, whether or not the developing is done on premises. Photo Finishing Laboratories shall be separately classified and rated. (11222) (12) Exclude all professional services (13) Refer to company for quote (14) Use Exclusion Products/Completed Operations Hazard CG2104 (15) Cutlery sharpening, use Code 0922 and CPP PMA S. (16) E, H – Cutlery only. This footnote does not apply to Contents, Fire.


67


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


52002


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)


(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


69


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)


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.


71


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



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.


73


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


76


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


78


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


---

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)


83

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

CCIS-d-f.Doc

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.

CCIS-d-f.Doc

(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


86


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

CCIS-d-f.Doc

CRIME

Class Code

Class Code

NA

7110

NA

7110


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)

CCIS-d-f.Doc

(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.

CCIS-d-f.Doc

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)

CCIS-d-f.Doc

(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

CCIS-d-f.Doc

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.

CCIS-d-f.Doc


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

CCIS-d-f.Doc



(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.

CCIS-d-f.Doc

(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

CCIS-d-f.Doc

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.”.

CCIS-d-f.Doc

(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


*

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

CCIS-d-f.Doc

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.

CCIS-d-f.Doc

(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

CCIS-d-f.Doc

(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.

CCIS-d-f.Doc

(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.

CCIS-d-f.Doc

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


CRIME

Class Code

Class Code

Gardening And Light Farming Supply Distributors

0567

4440

Gardening And Light Farming Supply Dealers – Retail

0567

Description

Gasoline Stations – Full Service

(6)

4440 4470

Gasoline Stations – Self-Service

0931

4470

Gasoline Stations – Self And Full Service Combined

(6)

4470

CCIS-g-h.Doc

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 2

15,000 15,000

GENERAL LIABILITY Premium Premises Products Base Code Code * *

2 (3)

15,000

t

2 (3) 2 (3)

15,000

t

15,000

t

* (2) * (1) 13453 (4) (5) (7) (8) 13454 (4) (8) (9) 13455 (4) (7) (8) (10)

* (2) * (1) 13453

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

13454 (a) (b) (o) (p) 13455


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

102

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Refer to “Stores – not food and drink”. (2) Refer to “Distributors – no food or drink”. (3) 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, 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: Automotive supplies and equipment and oil and gasoline. This footnote does not apply to Contents, Fire. (4) Basis of premium is per 1,000 gallons. (53907) (13453) (13454) (13455) (5) This classification applies to retail gasoline or oil fuel stations where customers’ automobiles are solely serviced by attendants. (13453) (6) No repair, use Code 0931. With repair limited to auto glass replacement, battery replacement, brake adjustments, tire changing, tune ups (points, plugs and carburetor adjustments), oil changing, lubrications, speedometer adjustments and similar services, use Code 0932. With major engine repair or body repair, use Code 0933. (7) This classification includes coverage for the operation of automobiles on premises owned by, rented to or controlled by the named insured or the ways immediately adjoining, if such automobiles are not owned by, rented to or loaned to the named insured. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. (13453) (13455)

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(8) The following shall be separately classified and rated: (13453) (13454) (13455) • Retail store operations • Car washes • Self-service car washes (9) This classification applies to retail gasoline or oil fuel stations without garage operations where the customer services his automobile and service attendants are not customarily present. (13454) (10) This classification applies to retail gasoline or oil fuel stations with both self and full service operations. (13455)


103


CRIME

Class Code

Class Code

Gift Shops – Not-For-Profit Only

0567

4530

Gift Shops – Other Than Not-For-Profit

0567

4530

Description

Glass Dealers And Glaziers

(4)

Glass Or Glassware Manufacturing

6009

Golf Courses – Miniature

(8)

4440 3270 7130

Golf Courses – Municipal Or Public – Not Golf Or Country Clubs

(9)

7130

Golf Driving Ranges

NA

7130

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CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 (3) 1 (3) 1 1 (14) 3 (12) 4 (9) (12) 3 (12)


15,000

s

13507

13507

15,000

s

13506

13506

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

5,000 5,000 5,000

s s s+

13590 (6) (17) 54077 (7) 44069

13590 (a) (b) 54077 (a) (b) Included (a) (b)

15,000

s+

5,000

s+

44070 (10) (11) 44071

Included (a) (b) Included


(a) (b)

104

CenCal Insurance Services Commercial Lines Manual Classification Table (1) C – Rate Group 2. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (2) This classification includes lessees of land who, as any part of their duty, perform work similar to that undertaken by oil or gas geologists or scouts. For premium computation purposes, include the payroll of all employees. (95358) (95357) (3) E, H – NOC. This footnote does not apply to Contents, Fire. (4) With no grinding, polishing or glazing or with grinding, polishing or glazing but limited to 5 employees or less performing such operations, use Code 0567 and CPP PMA IP or M. With more than 5 employees engaged in grinding, polishing or glazing, use Code 6009 and CPP PMA IP. (5) Retail only, use Code 57155. (6) This classification includes bending, grinding, beveling or silvering of plate glass. (13590) (7) This classification includes cut, polished plate, rolled, ribbed, colored, figured, wire and machine or manually blown sheet window glass. (54077) The following shall be separately classified and rated: • Sand or gravel digging • Quarrying

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(8) Use Code 0844. This code applies to enclosed buildings only. Amusement equipment in the open, use Code 1190. (9) Refer to “Clubs” for Fire and Allied Lines. (10) This classification includes golfmobiles rented to others. This classification also includes golf driving ranges operated in connection with golf courses. Restaurants shall be separately classified and rated. (44070) (11) Users of golfmobiles are included as additional insured. Use Additional Insured – Users Of Golfmobiles Endorsement CG 20 08. (44070) (44072) (12) E, H – Includes renters and retailers of golf supplies. SBF, SBR – Rate Group 2. C – Rate Group 3. This footnote does not apply to Contents, Fire. (13) Refer to “Automobile” classifications. This footnote does not apply to Contents, Fire. (14) Crystal and other fine glassware Rate Group 3, Class Limit 25,000. This footnote does not apply to Contents, Fire. (15) Contents, Fire – NA. (16) Refer to company (17) Refer to company work on buildings over 3 stories (18) Use Exclusion Products/Completed Operations Hazard. CG2104


105


Description Grading Of Land

Greenhouse Erection Greenhouses

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CRIME



Class Code

Class Code

NA

2350

1 (10)

5,000

p

*

2350

1

5,000

p

0580 (8) (12)

1100

2 (11)

5,000

*

95410 (1)(13)(14) (15) 95487 (7) * (9)

95410 (13)(14) (15) 95487


(a) (b) (d1) *


(a) (b)

106

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes borrowing, filling or back filling. (95410) The following shall be separately classified and rated: • Excavation of canals or cellars • Landscaping • Street or road construction • Tunneling (2) Use Code 1550 when primarily serviced by railroad or water transportation and use Code 1610 when primarily serviced by road transportation. (3) For premium computation purposes include the payroll of local managers. (95455) (4) Preparation of animal feed shall be separately classified and rated. (13621)

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(5) In buildings, use Code 0844. In the open, use Code 1190. (6) Basis of premium is each grandstand or bleacher. (44194) (44193) (7) This classification applies to all operations. (95487) (8) Also applies to attached or detached boiler rooms, packaging or potting sheds located on the premises of the greenhouse. (9) Greenhouses are included in the governing classification. (10) Contents, Fire – NA (11) Contents, Fire: Refer to Rule 72. in Division Five of the CLM for information on eligibility to the Special Form. (12) Refer to company for quote (13) Attach Pre Existing Damage Exclusion SL-63 (14) Attach Contractors Supplemental Application NAA-110 (15) Attach Residential Projects Exclusion EAA-148


107


Description Grocery Distributors

Grocery Stores

Guniting or Shot-crete

Gymnasiums

CCIS-g-h.Doc

CRIME

Class Code

Class Code

(1)

4230

(1)

(8)

(11)

4451

2330

7130

CRIME AND CONTENTS, FIRE Rate Class Group Limit 1 (3) (4) (13) 3 (3) (6)

25,000

1

5,000

2

15,000

5,000


s

p

*

13670 (2)

13670

13673 NOC (15)

13673

95505 (9)

95505

* (12) (17) (18)

* (17) (18)


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

(a) (b) (d1)


(a) (b)

108

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Use Code 0532 except if 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. (2) Distributing of the following shall be separately classified and rated (13670) • Frozen food • Meat, fish, seafood or poultry • Fruits and vegetables (3) SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (4) C – Excluding “Supermarkets” as defined in the “Supermarkets” classification. C – Rate Group 2. This footnote does not apply to Contents, Fire. (5) For Businessowners use Class Code 54127, Rate Number 8, Rate Group 6 for risks with an area of at least 4,000 sq. ft. and use Class Code 54136, Rate Number 7, Rate Group 5 for risks with an area of less than 4,000 sq. ft. (6) C, E and H – Excluding “Supermarkets” as defined in the “Supermarkets” classification. C – Rate Group 4. This footnote does not apply to Contents, Fire. (7) This classification applies to outfitters that take persons on hunting, fishing or other outdoor expeditions for a charge. It does not apply to operators of charter or party boats. Coverage does not apply to medical payments. Use Exclusion – Coverage C – Medical Payments Endorsement CG 21 35. (44222)

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(8) 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 repairs, repairs, refer to “Automobile” classifications. (9) This classification applies to the spray application of concrete at a high velocity for the purpose of repairing concrete, building swimming pools, conduits, etc. (95505) (10) This classification includes incidental sales of firearms and ammunition. This classification does not apply to risks involving mass production of firearms. (95620) (11) Commercial gymnasiums, use Code 0843 and CPP PMA S. School gymnasiums, refer to “Schools – Academic”. (12) Gymnasiums operated in conjunction with other business enterprises are included in the governing classification. Gymnasiums operated independently shall be classified and rated as “Health or Exercise Clubs” or “Health or Exercise Facilities – Commercially Operated”. (13) Excluding beer, liquor and tobacco products. This footnote does not apply to Contents, Fire. (14) Contents, Fire – NA. (15) This classification does not apply to supermarkets. (13673) (16) 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. (17) Refer to Company (18) See Health Clubs


109


Description Halls – Not-For-Profit Only

Halls – Other Than Not-For-Profit

FIRE

CRIME

Class Code

Class Code

0843

*

0843

*



*

a+

Hardware And Tool Distributors

0563

4217

2

15,000

S

Hardware Stores

0563

4440

2

15,000

S

CCIS-g-h.Doc


44277 (1) (13)(14)(15) 44276 (1)(13)(14) (15) 13715

Included

13715

(a) (b)

13716 (10)

13716

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

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


110

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to premises operated by the insured for the purpose of hiring them to others for various functions such as parties or meetings. It does not apply to auditoriums, dance halls, exhibition buildings, sports arenas or theaters. Restaurants operated by the insured shall be separately classified and rated. (44277) (44276) (2) Refer to CLM Division Four – Farm. (3) Retail only. (4) Refer to “Feed, Grain or Hay Dealers”. (5) C, E and H – Wholesale or retail. C – Rate Group 2. E, H – Includes seeds. This footnote does not apply to Contents, Fire. (6) This classification applies only to risks engaged in removal, replacement, repair, enclosure or encapsulation of any material from a building or structure because the material is harmful to human health. Use Hazardous Material Contractors Endorsement CG 22 78. This classification does not apply to any risk specializing in waste management or engaged in testing, monitoring, cleaning, removing, containing, treating, detoxifying or neutralizing pollutants at any waste storage, disposal, treatment or dump site. (95630) The following operations shall be separately classified and rated: • Debris removal at a construction site • Installation of insulation of any kind • Salvage

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(7) Contractors equipment 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 and repair, refer to “Automobile” classifications. (8) Contents, Fire – NA. (9) This classification applies to an insured who is not licensed in a particular trade or trained as a professional artisan, but is in the business of being hired to do a variety of miscellaneous work for others, usually involving minor repairs in a household environment. For clarification of the premium base, please refer to Rule 24.E.2.m. of the Division Six – General Liability of the Commercial Lines Manual. (95625) (10) This classification includes the incidental sales of home improvement products and building supplies other than lumber. Installation, repair or other services performed for customers away from the insured’s premises shall be classified and rated under an appropriate “Contractor” classification. (13716) (11) Carpentry shop, use Code 3959 and CPP PMA IP. (12) No more than 25% of gross annual sales may be derived from retail operations and no ore than 25% of the total floor area may be open to the public. (13) Attach Assault And Battery Exclusion SL – 4 (14) Auditoriums, dance halls, exhibition buildings, sports arenas, theatres, etc. must be referred to the Company (15) Refer to theft guidelines


111


CRIME

Description

Class Code

Class Code

Health Or Exercise Clubs

0844

7130

Health Or Exercise Facilities – Commercially Operated

0844

Health Or Natural Food Stores

(5)

4452

0567

4214

Hearing Aid – Distributors Hearing Aid Stores

0567

Heating Or Combined Heating And Air Conditioning Equipment – Dealers Or Distributors Only

CCIS-g-h.Doc

0563

7130

4462 4217

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 2 3 (7) 1 1 2

15,000 15,000

GENERAL LIABILITY Premium Premises Products Base Code Code s+ s+

15,000

s

5,000

*

5,000 25,000

s s

44311 (1)(12)(14) 44315 (3) (12) 13720 (4) * (9) (13) 13759 (2) (13) 13930 (10)


Included (a) (b) Included (a) (b) (o) (p) 13720 (4) * No No

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

13930


(a) (b)

112

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Professional services are excluded. Use Professional Liability Exclusion – Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities Endorsement CG 22 76. The sale of used exercise equipment shall be separately classified and rated. For premium computation purposes, do not include one time initiation fees in gross sales. (44311) (2) Products coverage under this classification includes professional coverage. Use Optical And Hearing Aid Establishments Endorsement CG 22 65. If products coverage is not provided, use Exclusion – Products and Professional Services (Optical And Hearing Aid Establishments) Endorsement CG 22 37. (13759) (3) This classification applies to any health or exercise facility open to the general public. This classification does not apply to “Health or Exercise Clubs”. Professional services are excluded. Use Professional Liability Exclusion – Health Or Exercise Clubs Or Commercially Operated Health Or Exercise Facilities Endorsement CG 22 76. (44315) The following shall be separately classified and rated: • Sales of used exercise equipment • Sales of sporting goods • Restaurants and refreshment stands (4) This classification applies to risks specializing in selling health, nutrition or diet related products, such as low fat, or low or no salt, food or drinks; vitamins; minerals, amino acids; exotic fruit or plant juices; honey or honey-related products; herbs or herb-related products and dietary supplements of any kind. This classification does not apply to the incidental sales of these types of products by any retail establishment which is assignable to another classification. Incidental sales of such products is included in the governing classification of such retail establishment. (13720)

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(5) Use Code 0532 except if 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. (6) Use class Code 54127, Rate Number 8, Rate Group 6 for risks with an area of at least 4,000 sq. ft. and use Class Code 54136, Rate Number 7, Rate Group 5 for risks with an area of less than 4,000 sq. ft. (7) SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. C, E and H – Excluding “Supermarkets” as defined in the “Supermarkets” definition. C – Rate Group 4. This footnote does not apply to Contents, Fire. (8) 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. (9) Refer to “Distributors – no food or drink”. (10) This classification only applies to risks engaged in sales of heating or combined heating and air conditioning equipment of all types regardless of their energy source. (13930) This classification does not apply to risks engaged in: • Sales and installation, servicing or repair • Installation, servicing or repair only (11) This classification is applicable to distributors only. 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. (12) Refer to company (13) Use Exclusion Products/Completed Operations Hazard CG 2104 (14) This classification applies only to clubs which charge a membership fee to join, may assess fees to cover expenses and/or liabilities, and provide that members oversee activities or elect directors, officers or management. (44311)


113


CRIME

Class Code

Class Code

Heating Or Combined Heating And Air Conditioning Systems Or Equipment – Dealers Or Distributors And Installation, Servicing Or Repair

(1)

4217

Heating Or Combined Heating And Air Conditioning Systems Or Equipment – Dealers Or Distributors And Installation, Servicing Or Repair – No Liquefied Petroleum Gas (LPG) Equipment Sales Or Work Hide Dealers And Distributors – Raw

(1)

Description

4217

0511

4225

Hobby, Craft Or Artists’ Supply Distributors

0567

4210

Hobby, Craft Or Artists’ Supply Stores

0567

CCIS-g-h.Doc

4510


2

1 (10) 2 2

15,000

15,000


p

25,000

s

15,000

*

15,000

s

95648 NOC (2) (3) (14)(15)(16) 95647 (2) (4)(15)(16)

95648 (2) (3) (14)(15) (16) 95647 (2) (4)(15) (16)

14068 (10) * (12) 14101 (13)

14068 (10) * (12) 14101 (13)


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

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

114

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Without sales and/or storage, use Code 0922 and CPP PMA S. With sales and/or storage, use Code 0563 and CPP PMA M. For Heating and Air Conditioning Contractors: Contractors equipment, use Code 0563 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. (2) This classification includes: (95648) (95647) • The sales and installation of ducts and piping • Shop and display rooms (3) This classification applies to risks who are engaged in: • Sales and installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if any such system or equipment uses LPG as an energy source • Installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if any such system or equipment uses LPG as an energy source This classification does not apply to risks engaged in the sales and installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if none of such systems or equipment uses LPG as an energy source. (95648) (4) This classification applies to risks engaged in: (95647) • Sales and installation, servicing or repair of heating or combined heating and air conditioning systems or equipment excluding any equipment using LPG as an energy source • Installation, servicing or repair of heating or combined heating and air conditioning systems or equipment excluding any equipment using LPG as an energy source This classification does not apply to risks engaged in: • Sales and installation, servicing or repair of any equipment using LPG as an energy source • Installation, servicing or repair of any equipment using LPG CCIS-g-h.Doc

(5) Heavy metal working, use Code 6810 and CPP PMA IP. Light metal working, use Code 6850 and CPP PMA IP. (6) For contractor’s construction and installation of heating equipment: Contractors equipment storage, use Code 0563 and CPP PMA C. Contractors 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. (7) Installation, servicing or repair shall be separately classified and rated. (55010) (55011) (55012) (55013) (8) E, H – Includes parts and supplies. This footnote does not apply to Contents, Fire. (9) This classification includes combined heating and air conditioning equipment manufacturing. (55011) (55013) (10) The sale of furs or pelts shall be separately classified and rated. (14068) (11) 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. (12) Refer to “Distributors – no food or drink.” (13) This classification applies to stores selling such items as yarns, embroidery floss, model cars, trains and airplanes, dolls and dollhouses. This classification includes incidental instruction or classes for customers. (14101) (14) Risks with LPG sales or work are prohibited. (15) Attach Residential Projects Exclusion EAA-148 (16) Attach Contractors Supplemental Application NAA-110


115


CRIME



Class Code

Class Code

Home Improvement Stores

0567

4440

2

15,000

s

Home Oilstone Or Whetstone Mfg.

6009

3270

1

5,000

s

Description

Honey Extracting

2300

1100

Hotels And Motels – With Pools Or Beaches – Less Than Four Stories

(7) (8)

7215

Hotels And Motels – With Pools Or Beaches – Four Stories Or More

(7) (8)

7215

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1 3 (11) 3 (11)

5,000 5,000 15,000

s s+ s+

14279 (4) 55214 (5) (13) 55371 (6) 45190 (9) (10) 45191 (9) (10)


14279 (a) (b) (o) (p) 55214 (5) (13) 55371 (6) Included

(a) (b) (o) (p) (a) (b) (a) (b) (m) (p) (q)

Included


(a) (b) (m) (p) (q)

116

CenCal Insurance Services Commercial Lines Manual Classification Table (1) If governmental, use Code 0701. If non-governmental, use Code 0702. (2) This classification only applies to health care services provided by qualified medical professionals, such as registered nurses, in patients’ homes. Health care services provided by the insured at the insured’s own premises shall be classified and rated under an appropriate “Health Care Facilities” classification or as “Medical Offices”. Professional services are excluded. Use Exclusion – Services Furnished By Health Care Providers Endorsement CG 22 44. If professional liability coverage is desired, refer to company. For premium computation purposes, payroll shall be limited to those employees who actually perform health care services in patients’ homes. (44500) (44501) (3) Excluding narcotics and controlled drugs, Rate Group 2. (4) This classification is applicable to risks whose operations include the sale of building materials, hardware, appliances, automobile parts and accessories, plumbing supplies, paints, tools, lighting fixtures, gardening supplies, etc. This classification includes incidental lumberyard operations. (14279) The following shall be separately classified and rated: • Renting of equipment and appliances • Installation work (5) Quarrying shall be separately classified and rated. (55214) (6) This classification includes apiaries. (55371) (7) Primarily catering to transients with individual rooms or suites (units) for sleeping accommodations and with housekeeping services provided by management. (8) With Restaurants: Up to 10 units, use Code 0742. 11 to 30 units, use Code 0743. Over 30 units, use Code 0744. CCIS-g-h.Doc

(9)

(10)

(11)

(12) (13)

Without Restaurants: Up to 10 units, use Code 0745. 11 to 30 units, use Code 0746. Over 30 units, use Code 0747. This classification includes motor inns, tourist courts, tourist cabins and other similar risks whose business is primarily providing lodging accommodations for transients, but this classification does not apply to apartment hotels. (45190) (45191) This classification includes coverage for the operation of owned watercraft. Use Boats Endorsement CG 24 12. Users of golfmobiles are additional insureds. Use Additional Insured- Users of Golfmobiles Endorsement CG 20 08. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (45190) (45191) The following shall be separately classified and rated: • Gasoline or oil supply stations • Health or exercise facilities for which a charge is made, as “Health or Exercise Clubs” • Restaurants • Ski lifts or tows C, E and H – Hotels C – Hotels which do not have at least a fire-resistive safe shall be subject to Class B Safe rates provided: (a) The premises are continuously open 24 hours daily for the regular conduct of business and (b) There is in the premises a key-locked steel container of the safe deposit box type locked by a two-key lock, with each key in the possession of a different employee. E, H – Includes Inns. Excluding food, liquor, wine, beer, and tobacco products Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. Refer to the CLM Division Five Manual Rules for Rates. No quarries


117


CRIME

Description

Class Code

Class Code

Hotels And Motels – Without Pools Or Beaches – Less Than Four Stories

(1) (2)

7215

Hotels And Motels – Four Stories Or More

(1) (2)

7215

Hotels And Motels – (Lessor’s Risk Only) – Less Than Four Stories

(1) (2)

5310

Hotels And Motels – (Lessor’s Risk Only) – Four Stories Or More

(1) (2)

5310

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


5,000

s+

15,000

s+

5,000 15,000

a+ a+

45192 (3) (4) 45193 (3) (4) 64074 (3) (6) 64075 (3) (6)


Included (a) (b) (m) (p) (q) Included (a) (b) (m) (p) (q) Included (a) (b) (m) (p) (q) Included


(a) (b) (m) (p) (q)

118

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Primarily catering to transients with individual rooms or suites (units) for sleeping accommodations and with housekeeping services provided by management. (2) With Restaurants: Up to 10 units, use Code 0742. 11 to 30 units, use Code 0743. Over 30 units, use Code 0744. Without Restaurants: Up to 10 units, use Code 0745. 11 to 30 units, use Code 0746. Over 30 units, use Code 0747. (3) This classification includes motor inns, tourist courts, tourist cabins and other similar risks whose business is primarily providing lodging accommodations for transients, but this classification does not apply to apartment hotels. (45192) (45193) (64074) (64075) (4) This classification includes coverage for the operation of owned watercraft. Use Boats Endorsement CG 24 12. Users of golf carts are additional insureds. Use Additional Insured – Users of Golf Carts Endorsement CG 20 08. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (45192) (45193) The following shall be separately classified and rated: • Gasoline or oil supply stations • Health or exercise facilities for which a charge is made, as “Health or Exercise Clubs” • Restaurants • Ski lifts or tows

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(5) C, E and H – Hotels C – Hotels which do not have at lease a fire-resistive safe shall be subject to Class B Safe rates provided: (a) The premises are continuously open 24 hours daily for the regular conduct of business and (b) There is in the premises a key-locked steel container of the safe deposit box type locked by a two-key lock, with each key in the possession of a different employee. E, H - Includes Inns. Excluding food, liquor, wine, beer, and tobacco products Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (6) This classification includes coverages for the operation of owned canoes or rowboats. Use Boats Endorsement CG 24 12. This classification does not apply to “Dude Ranches”. (64074) (64075) The following shall be separately classified and rated: • Private residences • Ski lifts or tows • Swimming pools • Bathing beaches • Saddle animals • Boats (other than canoes or rowboats)


119


Description House Furnishing Installation

CRIME

Class Code

Class Code

NA

* (2)



96053 NOC (1)

96053 (1)

Comments & Application Coding (a) (b) (d1)

(1) This classification includes incidental upholstering and floor covering installation. (96053) (2) Contents, Fire, - NA

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120


Description Ice Cream Stores Ice Dealers And Distributors Importers

FIRE

CRIME

Class Code (1)

Class Code 4452

(3) (10)

3121 (10)

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 5,000 1 (5) (10)

Ink Mfg.

5000

3250

1

Inspection And Appraisal Companies – Inspecting For Insurance Or Valuation Purposes Instrument Mfg.

0702

5419

* (7)

Instrument Mfg. – Analytical, Calibrating, Measuring, Testing Or Recording Instrument Mfg. – Control

CCIS-i-l.Doc

6900 6900

6900

3347 3347

3347

2 2

2

5,000

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s 14401 14401 (2) (2) s+ 14405 14405 (4) (4) s 55410 55410 (9) (13) s 55426 55426 p+

15,000 15,000

15,000

s s

s

96317 (8) (14)

No

55649 NOC 55647

55649 (13) 55647 (13)

55648

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

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

55648 (13)


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

(a) (b)

121

CenCal Insurance Services Commercial Lines Manual Classification Table (1) No cooking, use Code 0532 With cooking, use Code 0542. (2) This classification applies to risks selling only ice cream and related products. Coverage applies to bodily injury or property damage arising out of the products hazard whether such bodily injury or property damage occurs on the insured’s premises or elsewhere. Use Products/Completed Operations Hazard Redefined Endorsement CG 24 07. (14401) (3) Ice Houses storage only, no manufacturing, use Code 1230 and CPP PMA M. Ice Houses, ice manufacturing, use Code 2000 and CPP PMA IP. (4) This classification includes ice harvesting and manufacturing. (14405) (5) C – Rate Group 2. This footnote does not apply to Contents, Fire. (6) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (7) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP.

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(8) Professional services are excluded. Use Exclusion – Inspection, Appraisal And Survey Companies Endorsement CG 22 24. (96317) (9) For products/completed operations liability coverage, importers shall be rated as a manufacturer based on the actual imported products(s). For premises/operations coverage, importers shall be rated based on an appropriate “Wholesalers” or “Distributor” classification. This classification does not apply to any risk which operates on a commission only basis and which does not take physical possession and title of the imported goods at any time. Such risk shall be classified and rated as “Manufacturers Representatives”. (55410) (10) Classify by type of merchandise. (11) Offices use CPP PMA Office or Industrial and Processing Risk. Warehouses use industrial and Processing Risk. (12) For Businessowners Limited Cooking and Fast Food Restaurants, refer to Restaurant Classifications rates of CLM Division Nine – Multiple Line – Businessowners Subdivision. (13) Refer to company (14) Attach Contractual Liability Limitation CG 2139


122


CRIME

Class Code

Class Code

Insulation Work – Mineral

(1)

2350

1

5,000

p

Insulation Work – Organic Or Plastic In Solid State

(1)

2350

1

5,000

p

Insulation Work – Plastic

(1)

2350

1

5,000

p

0702

5242

1 (4) 2 (4) 1

5,000

a+

Description

Insurance Agents Interior Decorators Irrigation Or Drainage System Construction

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(6) (1) (13)

5414 2330


5,000


p

96410 (2)(14) (15)(16) 96409 (2)(14) (15)(16) 96408 (2)(14) (15)(16) 45334 (5) 96611

96410 (2)(14) (15)(16) 96409 (2)(14) (15)(16) 96408 (2)(14) (15)(16) Included

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

96611 (a) (b) (d1)

5,000

p

96702 (8) (13)

96702 (13)


(a) (b) (d1)

123

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use 0702 and CPP C or O. Vehicle storage or repair, refer to “Automobile” classifications. (2) This classification applies to the installation or application of acoustical or thermal insulating material in buildings or within building walls. This classification applies only when insulation or acoustical work is performed as a separate operation, not part of or incidental to any other construction operation performed at the same job or location. (96410) (96409) (96408) (3) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (4) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (5) Professional services are excluded: Use Exclusion – Insurance And Related Operations Endorsement CG 22 48. (45334) (6) Office, use Code 0702. (7) This classification includes insulation made with cellulose, rags or wood. (55716)

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(8) This classification includes pile driving or dredging. The following shall be separately classified and rated: (96702) • Tunneling • Dam or sewer construction (9) Equipment storage, use Code 0567 and CPP PMA S. Equipment in the open, use Code 1190 and CPP PMA S. Office, use Code 0702 and CPP PMA S or O. Vehicle storage or repair, refer to “Automobile” classifications. (10) Construction of irrigation systems shall be separately classified and rated. (96703) (11) This classification includes fiberglass, rock wool, vermiculite and perlite. Asbestos insulation manufacturing shall be separately classified and rated. (55715) (12) Classify by type of material manufactured. (13) Refer to company (14) Attach Pre Existing Damage Exclusion SL-63 (15) Attach Contractors Supplemental Application NAA-110 (16) Attach Residential Projects Exclusion EAA-148


124


CRIME

Class Code

Class Code

Janitorial Services

NA

5617

Janitorial Supplies – Dealers Or Distributors

(2)

4226

Description

* (10) 1

GENERAL LIABILITY Premium Premises Products Base Code Code p+

15,000

s

96816 (1) (14) 14527

Included

Comments & Application Coding Non Admitted Only (a) (b) (d1)

14527 (a) (b)

Jewelry Mfg. Jewelry Stores Or Distributors Kennels – Breeding, Boarding Or Sales

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6900 (15) 0565 (15) (17)

3380 4219 1100

4 (5) 4 (5) (8) 2

50,000

s

50,000

s+

5,000

t+

55802 14655 (7) 48450 (18)

55802 (16) Included

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

48450


(a) (b) (p)

125

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Window cleaning, painting, maintenance or repair at any location where such contractor does not also perform janitorial services shall be separately classified and rated. (96816) (2) Use Code 0567. This classification includes contractors storage. For vehicle storage or repair, refer to “Automobile” classifications. (3) 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. (4) This classification applies to all operations other than blasting. Blasting operations shall be separately classified and rated. (96872) (5) Jewelers – Manufacturers or repairers of or dealers – imitation and novelty only – excluding gems, precious stones, articles which contain precious metals or articles which contain one of more gems. E, H – Use Class Code 3960 for manufacturers. E, H – Rate Group 1 for manufacturers, repairers and dealers, class limit $25,000. This footnote does not apply to Contents, Fire. (6) Jewelry Stores – retail, use BP Class Code 59715, BP Rate No. 1 Watch, Clock or Jewelry Repair, use BP Class Code 71941, BP Rate No. 1.

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(7) Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (14655) (8) SBF and SBR – dealers in jewelry, watches, precious or semi-precious stones. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (9) This classification applies only to those risks engaged in collecting or handling various secondhand materials such as bottles, rags, paper, rubber, nonferrous metals and ferrous scrap metals. (45380) The following shall be separately classified and rated: • Salvage operations • Wrecking operations (10) Contents, Fire – NA. (11) Retail Stores only. Use BP Class Code 59999. Distributors only, use BP Class Code 50651. (12) Distributors only, use BP Class Code 50661. (13) Distributors – No more than 25% of gross annual sales may be derived form retail operations and no more than 25% of the total floor area may be open to the public. (14) Submit services providing floor waxing and/or window cleaning. (15) Property on building and office content only – no coverage for stock (16) Refer to company (17) Sales, use Code 0570. Breeding, boarding, use Code 0922. (18) This classification applies to the boarding, breeding or sales of any domestic animal. The following shall be separately classified and rated: • Pet grooming • Pet training For premium computation purposes the term kennel shall mean each compartment used for housing an animal. Basis of premium is each kennel. (45450)


126


Description Labor Union Offices

Class Code

Class Code

0702

(11)

Lakes Or Reservoirs – Existance Hazard Only- Not For Profit

N/A

Lakes Or Reservoirs – Existance Hazard Only – Other Than Not-ForProfit Lamp Shade Mfg.

N/A

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CRIME

N/A

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

5,000

GENERAL LIABILITY Premium Premises Products Base Code Code a+ t+

65007 (3) (9)


Included (a) (b) (o) Included (a) (b)

N/A

N/A

t+

(9)

Included (a) (b)

*

3260

2

5,000

s

56040

56040


(a) (b)

127

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (2) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines For Fire and CPP. (3) Personal and Advertising Injury are excluded. Use Exclusion – Personal And Advertising injury Endorsement CG 21 38. (65007) (4) Dental, use Code 0921. X-Ray, use Code 0921. Medical, use Code 0921. General Research Testing, use Code 0922.

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(5) Professional services are excluded. Use Exclusion – Testing Or Consulting Errors And Omissions Endorsement CG 22 33. (97003) (97002) The following shall be separately classified and rated: • Analytical Chemists • Medical Laboratories • Medical X-ray Laboratories This is an N.P.D. classification. For premium computation purposes include the payroll of laboratory and outside employees. (6) This classification includes step, stool or chair ladders. (55919) (55918) (7) Basis of premium is each lake or reservoir. (45524) (45523) (8) Attach Exclusion –Personal And Advertising Injury Endorsement BP 04 37. (9) Refer to company (10) Use Exclusion Products/Completed Operation Hazard CG-2104


128


Description Lamps Or Lanterns Mfg. – Electric

FIRE

CRIME

Class Code

Class Code

*

3350

Lamps Or Lanterns Mfg. – Other Than Electric

*

Land-Occupied By Persons Other Than Insured For Business Purposes (Lessors Risk Only) Landscape Gardening

N/A

(2)

3350

5617

Laundries And Dry Cleaners – Self Service

0913

8123

Laundries And Dry Cleaning Plants

(6)

8123

Laundries And Dry Cleaning Or Dyeing Receiving Stations

(8)

8123

Laundry And Dry Cleaning Stores

0913

8123

Laundry Rental Service

(11)

8123

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CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 (14) 2 (13) N/A

2 1 (15) 1 (5) 1 (5) 1 (5) 1 (5)

15,000


56041


56041 (a) (b)

15,000

s t+

5,000

p+

5,000

s+

5,000

s+

5,000

s+

5,000

s+

15,000

s+

56042 NOC 45539 (1)

56042 (19) Included

97047 (3) (17) 14731 (4) 45678 (7) (18) 14732 (9) 14733 (10) 14734 (12)

Included

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

(a) (b) (d1) Included (a) (b) (o) Included (a) (b) Included (a) (b) (o) Included (a) (b) (o) Included


(a) (b) (o)

129

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Basis of premium is per acre. (45539) (2) 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. (3) This classification includes: (97047) • Laying out grounds, planting trees, shrubs, flowers or lawn • Interior landscaping The following shall be separately classified and rated: • Excavation • Risks providing lawn care services only (4) This classification applies to laundries and dry cleaners equipped with household type automatic washing machines or dry cleaning machines which serve customers on a “while-you-wait” basis. This classification applies whether or not the customers insert or remove the laundry or dry cleaning form the machines and whether or not the machines have coin meters. Property damage to laundry or dry cleaning is excluded. Use Exclusion – Laundry and Dry Cleaning Damage Endorsement CG 22 53. If coverage for this hazard is desired, refer to company. (14731) (5) C – Laundries other than those engaged solely in apron, coat or towel pickup and delivery service. C – Rate Group 4. SBF, SBR – Rate Group 2. This footnote does not apply to contents, Fire. (6) Commercial Laundries, use Code 0912. Dry Cleaning including dyeing, use Code 0911. (7) This classification includes dyeing. (45678) The following shall be separately classified and rated: • Laundry and dry cleaning receiving stations

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• Self-service laundry establishments • Laundries using only household type power machinery

(8) No pressing, use Code 0520. With pressing, use Code 0911. (9) This classification only applies to those stations with no laundry, dry cleaning or pressing machinery on the premises. (14732) (10) This classification applies to store type operations where washing, cleaning and pressing are done on premises. (14733) (11) Laundries, use Code 0912. Dry Cleaning, use Code 0911. Rental service with no laundry or dry cleaning on premises, use Code 0912. (12) This classification applies to those services which rent towels, uniforms, linens, diapers and towel cabinets. This classification includes laundry or cleaning operations in connection with rental services. (14734) (13) E, H – For Flashlights only, use Rate Group 1, Class Code 3600, Class Limit $15,000. This footnote does not apply to Contents, Fire. (14) E, H – For Light Bulbs and Fluorescent Tubes only, Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (15) SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (16) Using petroleum solvents (petroleum solvents include Stoddard type solvents and other combustible hydrocarbon solvents) and having less than three pick-up stations. Use Class Code 09501. Using synthetic solvents (synthetic solvents include perchloroethylene or other synthetic solvents) and having less than three pick-up stations. Use Class Code 09521. (17) Attach Exclusion Herbicide or Pesticide Applications – SL-29 (18) Attach Exclusion – Laundry And Dry Cleaning Damage – CG2253 (19) Refer to company


130


CRIME



Class Code

Class Code

Lawn Care Services

(1)

5617

2

5,000

p+

Lawyers Offices Not-For-Profit-Only

0702

5405

1 (13)

5,000

a+

Lawyers Offices – Other Than Not-ForProfit

0702

1 (13)

5,000

Leather Goods Mfg.

(4) (18) 1051 (19) 6009

3 (7) 2

15,000

s

15,000

a+

Description

Libraries Light Bulb Or Tubes Mfg. Lighting Fixtures Mfg.

CCIS-i-l.Doc

*

5405

3160 5145

a+

97050 (2) 66123 (14) (16) (17) 66122 (14) (16) (17) 56202 NOC (6) 66309


Included (a) (b) (d1) No (a) (b) (o) No (a) (b) (o) 56202 (a) (b) Included (a) (b)

3350 3350

1 2

5,000 15,000

s s

56390 56391 NOC

56390 (20) 56391


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

131

CenCal Insurance Services Commercial Lines Manual Classification Table (1) 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. (2) This classification applies to risks which provide services for lawn care, such as mowing, fertilizing, edging or cleaning lawns, including removal of leaves, or preventing growth of, or killing weeds. Coverage is included for incidental application of “over-the-counter” herbicides or pesticides on lawns under the insured’s regular care. This classification does not apply to risks which apply herbicides or pesticides if the insured is required to obtain a license or permit to apply. (97050) (3) E, H – Includes Lead or Lead Products – NOC. This footnote does not apply to Contents, Fire. (4) Leather goods manufacturing, use Code 3409 and CPP PMA IP. Finished leather products storage or sales, use Code 0567 and CPP PMA M. Raw stock or unfinished skins not on premises of manufacturer, use Code 3409 and CPP PMA IP. For Leather Products or Hide Stores, use Code 0567 and CPP PMA M. (5) For Leather Products or Hide Stores – Retail, use Code 56992, Rate Number 1, Rate Group 2. (6) This classification includes manufacturing of goods from artificial leather. (56202) (7) E, H (a) Boots and Shoes, See Shoes. (b) Clothing – Rate Group 4, Class Limit $25,000. This footnote does not apply to contents, Fire.

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(8) Mining, use Code 6210. Processing or manufacturing operations in building, use Code 6009. Processing or manufacturing operations not part of the building, use Code 1190. (9) This classification includes quarrying. (56427) (10) The following shall be separately classified and rated: (56488) • Beer, ale or malt liquor mfg. • Wine mfg. (11) Manufacturers or Bottlers – Includes Beers or other Alcoholic Beverages –NOC. C – Rate Group 2. E, H – Includes Jobbers, Manufacturers, Wholesalers or Bottlers. Non-finished product, use Rate Group 2. Class Limit $25,000 This footnote does not apply to Contents, Fire. (12) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (13) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (14) Personal and Advertising Injury are excluded. Use Exclusion – Personal And Advertising Injury Endorsement CG 21 38. (66123) (66122) (15) Attach Exclusion – Personal And Advertising Injury Endorsement BP 04 37. (16) Attach Exclusion – Products/Cooperation Hazard CG-2104 (17) Attach Professional Liability Exclusion (18) Refer to theft guidelines (19) Refer to Company coverage for valuable papers and books (20) Refer to company


132


CRIME



Class Code

Class Code

0922

5616

1

5,000

s

Logging And Lumbering

No

No

---

---

---

Lubricants Mfg. – Grease

5050 (17) * (4) 1650 (7)

3240

1 (3) ---

5000

s

---

---

Description Locksmiths

Luggage Mfg. Lumberyards

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--4440

1 (8)

15,000

s

14913 (10) (16) No

14913 (10) (16) No

56567 (2) (17) * (4) 45819 (7)

56567 (2) (17) * (4) 45819 (7)


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

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

133

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes: • Construction, maintenance, operation and extension of logging railroads • Ownership, operation and use of teams • Construction of service roads in connection with logging and lumbering operations Coverage is excluded for property damage due to fire or property damage, however caused, to any vehicle while being loaded or unloaded. Use Exclusion – Logging And Lumber Operations Endorsement CG 22 54. Saw or planing mill operations shall be separately classified and rated. (97111) (2) This classification applies to grease or oil mixing or blending. Petroleum refining shall be separately classified and rated. (56567) (3) E, H – Excluding Essential Oils, use Exclude Specified Property Endorsement CR 15 01. This footnote does not apply to Contents, Fire. (4) Refer to “Leather Goods”, “Plastic Goods” or “Textile Products” classifications. (5) E, H – Excludes Luggage, Leather or Leather Goods – Excludes Boots and Shoes – NOC. For Leather luggage, see leather goods manufacturing. This footnote does not apply to Contents, Fire. (6) Wood Products Retail, NOC, use Class Code 50943, Rate Number 4, Rate Group 1. (7) This classification includes the incidental sales of building material. (45819) The following shall be separately classified and rated: • Building material dealers • Home Improvement Stores

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(8) The following footnotes apply: C – Building Materials Dealers. C – Rate Group 2. E and H. NOC – Excluding Hardware, Tools, Electrical Equipment and Supplies, and Heating and Plumbing Equipment and Supplies. This footnote does not apply to Contents, Fire. (9) This classification applies to risks which assume physical possession in the transfer of livestock. This classification includes sales stables. (45771) (10) This classification includes retail store operations. (14913) (11) Contents, Fire – NA. (12) This classification applies to risks which do not assume physical possession in the transfer of livestock. This classification does not apply to risks operating farms, ranches, livestock sales companies or sales stables. (14855) (13) C – Rate Group 2. This footnote does not apply to Contents, Fire. (14) Contents, Fire: Refer to Rule 72. in Division Five of the CLM for information on eligibility to the Special Form. (15) Refer to “Printing”. (16) Attach Professional Liability Exclusion. (17) Refer to company


134


CRIME

Class Code

Class Code

6850

3320

2

5,000

p

Machinery Or Equipment – Farm Installation, Servicing, Repair Or Erection Machinery Or Equipment – Industrial – Installation, Servicing, Repair Or Erection Machinery Or Equipment – Installation, Servicing Or Repair

(1)

8112

2

5,000

p

(1)

8112

1

5,000

p

97222 (2)

(9)

Non Admitted Only (a) (b) (u)

(1)

8112

1

5,000

p

(9)


Machinery Or Equipment Dealers

(4)

4440

1

15,000

s

Machinery Or Equipment Dealers – Mobile – Construction Or Industrial

(4)

4218

2

25,000

s

Machinery Or Equipment Dealers – Farm Type

(4)

Machinery Or Equipment Dealers – Yard Or Garden Type

(4)

97223 NOC (3) 15062 NOC (5) 15060 (5) 15061 (6) 15063 (7)

Description Machine Shops

CCIS-m-o.Doc

4218 4218


3 3

15,000 15,000


s s

97220 NOC (8) 97221

(9) (9)

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

(9) (a) (b) (u) (9) (a) (b) (u) (9) (a) (b) (u) (9)


(a) (b) (u)

135

CenCal Insurance Services Commercial Lines Manual Classification Table (1) 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. (2) This classification includes millwright work and incidental rigging work. (97222) The following shall be separately classified and rated: • Risks involved solely in rigging operations • Installation, servicing or repair of office machinery and appliances • Installation, servicing or repair of farm machinery (3) Installation, servicing or repair of the following shall be separately classified and rated: (97223) • Office machinery and appliances • Farm machinery (4) Light machinery without motors or with motors 6 HP or less: Without repair, use Code 0563. With repair, use Code 0922. Heavy machinery without motors or with motors over 6 HP: Without repair, use Code 0563. With repair, use Code 0933.

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(5) Installation, servicing or repair shall be separately classified and rated. (15062) (15060) (6) The following shall be separately classified and rated: (15061) • Installation, servicing or repair • Leasing of machinery or equipment (7) This classification includes: (15063) • Sales of lawn mowers, rototillers, edgers and chain saws • Servicing or repair of small engines, including lawnmowers, rototillers, edgers and chain saws, whether or not sold by the insured (8) This classification is designed for risks making items based on the design and specifications of their customers. Usually, items are made from raw stock and become a part of their customers’ finished product. Risks specialized in affecting a physical change of materials through structural, mechanical or chemical means shall be separately classified and rated as “Welding or Cutting”, “Electroplating”, “Metal Heat Processing”, etc., depending on the operation. This classification applies only when there is no other appropriate classification. (97220) (9) Refer to company


136


CRIME

Class Code

Class Code

Machinery Or Machinery Parts Mfg.

(1)

3330

2

15,000

s

Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Handling Type Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Farm Type Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Industrial Type Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Metalworking Mail Box Or Packaging Stores

(1)

3330

2

5,000

(1)

3330

2

(1)

3330

(1)

0921 (16) 0567 (16) 0921

Description

Mail Order Houses Mailing Or Addressing Companies Manufacturers


s

(15)

5,000

s

56651

(15)


2

5,000

s

56652

(15)


3330

2

5,000

s

56653

(15)


5614

2

5,000

s+

15070 (9) (15)

Included

(3) 5614

2

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

Included

(15)

(15)

(15)

(a) (b)

(15)

(15)

(a) (b) (o)

3270

(15)

Marble Products

(10)

1700

1

5000

s+

(a) (b) (o) (15)

45937

Manufacturers Representative

5,000

(15)

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

56654 NOC 56650

* (15) (15)

CCIS-m-o.Doc


N/A


(a) (b)

137

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Heavy metalworking, use Code 6810. Precision products, use Code 6900. Light metalworking, use Code 6850. Plastic parts, use Code 5550. (2) Catalog or premium coupon redemption stores shall be separately classified and rated. (45901) (3) Classify by type of merchandise. (4) Use Code 0702. This classification applies to Offices only. (5) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (6) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (7) For the purpose of this classification, a manufacturer’s representative is an independent contractor who sells the products of one or more manufacturers on a commission basis. The manufacturer’s representative is not on the payroll of the manufacturer and is not eligible for any employee benefits. Manufacturers’ Representatives are usually involved in one of more of the following: (a) They may employ salespersons of their own and pay them either salary or commission without affecting the relationship with the involved manufacturers; (b) They may stock a small supply of samples used for display or demonstration but not for sale; (c) They may demonstrate the product or supervise its installation; (d) They may train customers’ employees in the use of the product. This classification includes the insured’s office. Risks with storage or warehouse facilities are not considered manufacturers’ representatives and shall be separately classified and rated. (45993)

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(8) This classification applies only when there is no other appropriate classification assignable to the risk. For Increased Limits Tables assignment, refer to company. (54444) (9) This classification applies to risks specializing in performing packing and mailing services for others. This classification includes the incidental sales of packing products and mailing accessories, as well as the incidental faxing and copying of materials. This classification does not apply to shipping services provided by the insured. Shipping operations shall be separately classified and rated. (15070) (10) Sales or storage, use Code 0511 and CPP PMA M. Manufacturing, use Code 6009 and CPP PMA IP. (11) Retail only, use Code 59999, Rate number 6. (12) Reserved For Future Use. (13) Reserved For Future Use. (14) Professional services are excluded. Use Exclusion – Inspection, Appraisal And Survey Companies Endorsement CG 22 24. (97308) (15) Refer to company (16) Refer to theft guidelines


138


CRIME



Class Code

Class Code

Markets – Not Open Air (LRO) – NotFor-Profit Only

*

5310

N/A

s+

15120

Included

Markets – Not Open Air (LRO) – Other Than Not-For-Profit

*

5310

N/A

s+

15119

Included

Markets – Open Air (LRO) – Not-ForProfit Only

*

Markets – Open Air (LRO) – Other Than Not-For-Profit

*

Description

Masonry

(a) (b) (o) (p) (a) (b) (o) (p) 5310

N/A

s+

15124

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

5310

N/A

s+

(2)

2350

1

5,000

p

Mausoleums – Not-For-Profit

0921

8122

1

5,000

a+

Mausoleums – Other Than Not-ForProfit

0921

8122

1

5,000

a+

CCIS-m-o.Doc


15123 97447 (7)(8)(9) 46005 (6) 46004 (6)

Included 97447 (7)(8)(9) Included

(a) (b) (o) (p) Commercial Work Only (a) (b) (d1) (a) (b)

Included


(a) (b)

139

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Classify by type of occupancy. (2) 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. (3) Logging and lumbering operations shall be separately classified and rated. (56690)

CCIS-m-o.Doc

(4) Use Code 2800 and CPP PMA IP. For sales outlets, use Code 0564 and CPP PMA M. (5) This classification includes quilts, pillows or cushions. (56699) (6) This classification includes mausoleums in cemeteries or those operated by cemetery companies. This classification excludes professional services. Use Exclusion – Funeral Services Endorsement CG 21 56. (46005) (46004) (7) Attach Pre Existing Damage Exclusion SL-63 (8) Attach Contractors Supplemental Application NAA-110 (9) Attach Residential Contractors Exclusion EAA-148


140


CRIME



Class Code

Class Code

Meat, Fish, Poultry Or Seafood – Curing

2059

3110

1

15,000

s

Meat, Fish, Poultry Or Seafood – Distributors

(2)

4230

1 (3) 1

15,000

s

Description

Meat, Fish, Poultry Or Seafood Processing – In Airtight Containers

2059

Meat, Fish, Poultry Or Seafood Processing – Not In Airtight Containers

2059

Meat, Fish, Poultry Or Seafood Stores

0532

CCIS-m-o.Doc

3110 3110

1

56758 (1) 15223


(14) (a) (b) (14) (a) (b)

15,000 15,000

s s

56759 (4) 56760

(14) (a) (b) (14) (a) (b)

4452

2 (5)

5,000

s

15224

15224


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

141

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Packing houses shall be separately classified and rated. (56758) (2) If sole occupancy, and over 15,000 sq. ft. in total floor area, use Code 0432. Otherwise, use Code 0532. (3) C, E, H, SBF and SBR – Wholesale. (a) C – Fish or Seafood Dealers. C – Rate Group 2. (b) E, H – Excluding hatcheries –poultry. (c) SBF and SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (4) This classification does not apply to products packed in paper, plastic wrap or cellophane unless vacuum packed. (56759) (5) C, E, H, SBF and SBR – Retail – Excluding Supermarkets as defined in the “Supermarkets” classification. C – Rate Group 2. SBF, SBR – Rate Group 2. E, H – Excluding hatcheries – poultry. This footnote does not apply to Contents, Fire. (6) This classification includes items such as adhesive tape, absorbent cotton, bandages or dressings, sponges, swabs, tongue depressors, ligatures and sutures, hypodermic needles, specimen containers, rubber gloves, plastic and rubber sheeting or tubing, splints and elastic stockings and supporters. (56805)

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(7) This classification includes items such as hospital beds, examining or operating room tables or chairs, basins or trays, wheeled litters, bed pans and urinals, heating pads, vaporizers, operating room lights, pails and buckets, medication and chart carts, oxygen canopies or tents, traction apparatus, patient lifts or hoists, x-ray film viewers, hot water bottles and ice packs. Orthopedic, ambulation or prosthetic devices or surgical instruments shall be separately classified and rated. (56806) (8) E, H – For Dental Equipment and Supplies, use Rate Group 2. This footnote does not apply to Contents, Fire. (9) Precision metal parts, use Code 6900. Other metal parts, use Code 6850. Plastic parts, use Code 5500. (10) This classification includes items such as hemostats, forceps, retractors, cauteries, sphygmomanometers, bronchoscopes, hypodermic syringes, scalpels, trachea tubes, opthalmoscopes, phoropters, stethoscopes, tonometers, specula and trepans. (56807) (11) This classification includes items such as anesthesia apparatus, inhalation therapy machines, x-ray and fluoroscopy machines, cardiac defibrillators, resuscitation equipment, radiation therapy machines, metal and foreign body locators, kidney machines, audiometers, E.K.G. machines, diathermy machines, suction or irrigation apparatus, oscilloscopes and monitoring devices (all types). (56808) (12) If including drugs, use Rate Group 4, Class Limit $15,000. This footnote does not apply to Contents, Fire. (13) 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


142


Description Medical Offices

CRIME

Class Code

Class Code

0702

6210


Mercantile – Not Otherwise Classified

(10)

---

2 ((3) (7) (8) (11)

Metal Dealers Or Distributors – NonStructural

(12)

4215

1

5,000

s

Metal Dealers Or Distributors – Structural

(12)

4215

1

5,000

s

CCIS-m-o.Doc

5,000

---



66561 (4) (5)

Included

---

*

*

15404 (13) 15405 (13)

(15)

(a) (b)

(15)

Non Admitted Only (a) (b)

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


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

143

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Rental of equipment shall be separately classified and rated. (15314) (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 for Fire and CPP. (4) Professional services are excluded. Use Exclusion - Services Furnished By Health Care Providers Endorsement CG 22 44 (66561) (5) If professional coverage is desired, classify and rate in accordance with the Professional Liability Division. (66561) (6) Excludes Drug Distributors and Stores. This footnote does not apply to Contents, Fire. (7) Excludes Dental Laboratories. (8) If including drugs, use Rate Group 4, Class Limit $15,000. This footnote does not apply to Contents, Fire.

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(9) Contents, Fire – NA (10) Low Susceptibility, use Code 0511. Moderate Susceptibility, use Code 0567. High Susceptibility, use Code 0570. (11) Classify by type of occupancy. (12) Ingots, pigs, pipe, bars, rail, rods, plates, sheets, and uninsulated wire, use Code 0511. Other metal products, use Code 0567. (13) Metal scrap dealers shall be separately classified and rated. (15404) (15405) (14) Retail stores only. Use BP Class Code 59999, Rate No. 6, Rate Group 5. (15) Refer to company


144


CRIME



Description

Class Code

Class Code

Metal Erection – Decorative Or Artistic

N/A

2350

p

Metal Erection – Frame Structures Iron Work On Outside Of Bldgs.

N/A

2330

p

Metal Erection - In The Construction Of Dwellings Not Exceeding 2 Stories In Height Metal Erection – Nonstructural

N/A

2330

N/A

2350

N/A

N/A

2330

Metal Foil Mfg.

6900

3320

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

p

2330

p

97653 (5) (12) 97654 (5) (12)

97653 (5) (12) 97654 (5) (12)

(a) (b) (d1) Non Admitted Only (a) (b) (d1)

(7)

Metal Goods Mfg. – Stamping Not Signs

6810

Metal Heat Processing

6850

CCIS-m-o.Doc

No

97650 (4) (12) 97651 (1) (5) (12) No

(a) (b) (d1)

Metal Erection – Steel, Lock Gates, Gas Holders, Standpipes, Water Towers, Smoke Stacks, Tanks, Silos, Prison Cells, Fire Or Burglar Proof Vaults Metal Erection – Structural

Metal Goods Mfg.

97650 (4) (12) 97651 (1) (5) (12)


3320

3320 3320

2 (10) 2 (8) (9) (10) (6) (6)

5,000 15,000

p

97655 (2) (5) (12)

s

56910

s

s s

56911 NOC 56912 56913 (11)

97655 (2) (5) (12) 56910 (12) 56911 (12) 56912 (12) 56913 (11) (12)


Non Admitted Only (a) (b) (d1)

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

(a) (b) (u) (a) (b) (u) 145

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes erecting or repairing balconies, fire escapes, railings, staircases, coal chutes or fireproof shelters. (97651) (2) Bridge erection shall be separately classified and rated. (97655) (3) Contents, Fire – NA. (4) This classification applies to risks whose predominant operation is the installation or erection of metal work. This classification includes shop operations in connection with metal work installed or erected by the insured. Shop operations in connection with metal work not installed or erected by the insured shall be separately classified and rated. (97650) (5) Shop operations shall be separately classified and rated. (97651) (97652) (97653) (97654) (97655) (6) E, H – Refer to “Metal Goods Mfg.”. This footnote does not apply to Contents, Fire. (7) Heavy metalworking, use Code 6810. Precision products, use Code 6900. All other metalworking, use Code 6850.

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(8) E, H – For Assayers and Refiners, classify by type of metal, if precious or rare metals are excluded. This footnote does not apply to Contents, Fire. (9) E, H – Metals – precious or rare metals (including gold, platinum, silver, beryllium, cesium, lithium, tantalum and other similar metals). If precious metals, use Class Code 3910, Rate Group 4, Class Limit $50,000. This footnote does not apply to Contents, Fire. (10) If magnesium, use Class Code 3300. This footnote does not apply to Contents, Fire. (11) This classification applies to insureds engaged in annealing, hardening, heat treating or tempering metals for others. The manufacturer of fabricated metal products shall be separately classified and rated. (56913) (12) Refer to company


146


CRIME



Class Code

Class Code

Metal Works –Shop – Decorative Or Artistic

(2)

3320

Metal Works – Shop – Structural Load Bearing

No

No

---

---

---

Metalworks – Shop – Structural – Not Load Bearing

(2) (11)

3320

2

5000

s

Milk Depots Or Dealers

2000

4230

1

5,000

s

Description

Milk Processing

2000

3110

2

1

5,000

5,000

s

s

59914 (4) (7) No

59914 (4) (7) No

56916 (4) (8) (11) (12)(13)(14) 57001 (15) (16) 57002

56916

57001 (15) (16) 57002


(a) (b) (u) (a) (b) (u) Non Admitted Only Commercial Work Only (a) (b) (u) (a) (b) (a) (b)

CCIS-m-o.Doc


147

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes collection of scrap metals. (15406) The following shall be separately classified and rated: • Wrecking • Salvaging operations (2) Heavy metalworking, use Code 6810. Precision products, use Code 6900. All other metalworking, use Code 6850. (3) Classify by type of metal. If iron or steel, use Class Code 5080, Rate Group 1, Class Limit $15,000. (4) This classification applies to the manufacturing, fabricating or assembling of decorative or artistic brass, bronze or iron work. (59914) (5) The manufacturing of doors, window frames, sashes, molding and trim shall be separately classified and rated. (56916) (6) For the purpose of this classification, “load bearing” means structural metal work designed to support weight. (56915)

CCIS-m-o.Doc

(7) This classification applies to risks whose predominate operations is metal work to be installed or erected by others. This classification includes incidental installation or erection. (59914) (8) Installation and erection shall be separately classified and rated. (56915) (56916) (9) This classification includes all rolling mill operations when done in conjunction with metal extraction or refining. Rolling mills not operated in conjunction with metal extraction or refining shall be separately classified and rated. (56900) (56917) (56918) (56919) (56920) (10) E, H – Metals – If precious or rare metals (including gold, platinum, silver, beryllium, cesium, lithium, tantalum and other similar metals), use Class Code 3910, Rate Group 4, Class Limit $50,000. This footnote does not apply to Contents, Fire. (11) Refer to company (12) Attach Pre Existing Damages Exclusion SL-63 (13) Attach Contractors Supplemental Application NAA-110 (14) Attach Residential Projects Exclusion EAA-148 (15) This classification includes milk processing conducted on the same premises. (57001) Operations conducted in connection with and on the same premises with a diary or general Farm shall be separately classified and rated. See Division Four of the CLM. (16) 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. (57001)


148


Description

Mobile Home Parks Or Courts

Mobile Home Sales Agencies Model Homes

CCIS-m-o.Doc

CRIME

Class Code

Class Code

(07) (12) (13) (10)

7215

(1)

4410 5310


1 (9)

5,000

3 (9) 2 (3)

15,000 15,000


s+

s t+

46202 (8) (12) (13)

Included

15488 (11) 46362 (2)

15488 (11) Included


(a) (b) (l) (p)


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

149

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Use Code 0702 and CPP PMA O when used as an office. When not used as an office, refer to Dwelling Policy Program. (2) Basis of premium is each home. (46362) (3) E, H – Includes exhibition homes, house furnishings and fixtures. This footnote does not apply to Contents, Fire. (4) Use Code 6850. This Code applies to metal units only. If not metal, classify according to material used. (5) Manufacturing of the following shall be separately classified and rated: (57090) • Camper trailers • Camper bodies • Self-powered camping vehicles (6) E and H – Includes parts and accessories. This footnote does not apply to Contents, Fire. (7) Laundries used by general public, offices, repair garages, gasoline stations, grocery stores and other retail stores, see specific occupancies. Laundries for tenants only, use Code 0922 and CPP PMA S. Property in the open, such as pump houses, platforms or pads for mobile home or recreational vehicles, use code 1190 and CPP PMA S. Community centers, recreational buildings, shelter houses, locker houses and other auxiliary or subsidiary buildings not provided for above, use Code 0844 and CPP PMA S.

CCIS-m-o.Doc

(8) This classification applies to permanent residential facilities. (46202) The following shall be separately classified and rated: • Restaurants • Saddle animals • Bathing beaches • Campground • Swimming pools (9) E and H C – Rate Group 2. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (10) Office, use Code 0702 and CPP PMA M or O. Also refer to “Automobile” Classifications. (11) This classification applies to risks whose primary operations are the sales of vehicles which are used for dwelling purposes and are permanent and stationary. (15488) (12) Refer to company (13) This class refers to permanent residentials facilities. The following exposures need to be addressed: restaurant, boats, campground, swimming pools, saddle animals, lakes, ponds, bathing beaches, ski-lifts, or tows, sale of LPG, maintenance Program.


150


CRIME

Class Code

Class Code

Money Exchanges

(1)

5229

Monuments, Tombstones, And Statuary

(5)

4530

Description

Motion Pictures – Development Of Negatives, Printing And All Subsequent Operations Film Distribution Or Exchanges – Not Located At Motion Picture Studios Museums – Not-For-Profit Only Museums – Other Than Not-For-Profit

CCIS-m-o.Doc

0921 (14)

5215

0570 (14) (12)

5125

(12)

7120 7120

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

3 1 1


5,000

*

5,000

*

15,000

15,000 15,000 15,000

p+

p+ a+ a+

* (3) * (6) 98090 (7) (14) 98091 (8) (14) 46427 (13) 46426 (13)


* (a) (b) * (a) (b) Included (a) (b) Included (a) (b) Included (a) (b) Included


(a) (b)

151

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Office only, use Code 0702 and CPP PMA O. (2) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (3) Classified and rated as a financial institution. Money exchange booth operated in connection with a financial institution is included in the governing classification. (4) C, E and H (a) C – Rate Group 5. (b) SBR – Rate Group 2. SBF – Rate Group 3. This footnote does not apply to Contents, Fire. (5) Sales and/or storage, use Code 0511 and CPP PMA M. Associated property in the open, use Code 1190 and CPP PMA M. Monument works, use Code 6009 and CPP PMA IP. Associated property in the open, use Code 1190 and CPP PMA IP. Other property in the open, use Code 1190 and CPP PMA 1 or S.

CCIS-m-o.Doc

(6) Monuments, tombstones or statuary are included in the governing classification. (7) Marketing of the product through film exchanges at locations other than the studios shall be separately classified and rated. (98090) (8) For premium computation purposes include the payroll of clerical employees. (98091) (9) Refer to “Automobile” classifications. (10) This classification includes assembling. (57202) (11) E and H – Includes motor bicycles. This footnote does not apply to Contents, Fire.. (12) Other than Commercial, use Code 1051 and CPP PMA 1. If Commercial, use Code 0567 and CPP PMA S. (13) The following shall be separately classified and rated: (46427) (46426) • Restaurants • Gifts shops (14) Refer to company


152


Description Music Stores – Pre-Recorded Musical Instrument Mfg. Musical Instrument Stores Musical Products Mfg. – Pre-Recorded

CCIS-m-o.Doc

CRIME

Class Code

Class Code

(5) (10) 6900

4510

(3) (10) 5500

3395 4510 3395

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 (7) 2 2 (2) 3 (9)


25,000

s

15,000

s

25,000 25,000

s s

16676 (6) 57257 (1) 15538 (4) 58627 (8)

16676 (6) 57257 (1) 15538 (4) 58627 (8)


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

153

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Electrical amplifying equipment or accessories shall be separately classified and rated as “Communication Equipment Mfg.”. (57257) (2) C – Rate Group 2. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (3) For musical instrument stores, use Code 0567 and CPP PMA M. For music studios, use Code 0921 and CPP PMA S. (4) This classification applies to risks which sell or rent musical instruments. This classification includes: (15538) • The incidental sales of sheet music and musical instrument accessories • The incidental offering of music lessons (5) Compact discs, records and tapes, use Code 0570. Sheet music, use Code 0567.

CCIS-m-o.Doc

(6) This classification applies to stores primarily selling prerecorded music. This classification includes the incidental sales of sheet music and the incidental sales or rental of musical and audio equipment. Stores selling musical instruments or audio equipment primarily shall be separately classified and rated. This classification does not apply to stores that primarily sell or rent video tapes. (16676) (7) C – Rate Group 3. E and H – For Wholesalers, use Rate Group 2. SBF, SBR – Rate Group 3. (8) Recording studios shall be separately classified and rated. (58627) (9) Records only, Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (10) Refer to theft guidelines


154


Description Nails Or Spikes Mfg. Nail Salons

FIRE

CRIME

Class Code

Class Code

6850

3330

0921

8121

CRIME AND CONTENTS, FIRE Rate Class Group Limit 2 1

5,000 5,000

GENERAL LIABILITY Premium Premises Products Base Code Code s s

57401

Needles, Pins, Or Tacks Mfg.

6850

3395

2

5,000

s

15600 (7) 57403

Newspaper Or Magazine Distributors

0567

4229

2

5,000

s+

15607

57401 (10) 15600 (7) 57403 (10) Included

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

Newsstands

0567

Nursery – Garden

(3)

Nurses Homes

(8)

Nursery Schools – Refer To Day Care Centers

CCIS-m-o.Doc

*

4510 1100 7215

2 (6) 2 (4) (8)

5,000

s

15608

15608 (a) (b)

15,000

s+

15699 (5) (8)

Included

* (11)

*

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


(a) (b) (f) (t)

155

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to establishments primarily engaged in entertainment and dancing. (15656) The following shall be separately classified and rated: • Taverns • Restaurants • Dance halls (2) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (3) Sales outlets, use Code 0570. Greenhouses, use Code 0580. (4) Contents, Fire: Refer to Rule 72. in Division Five of the CLM for information on eligibility to the Special Form. (5) Landscape gardening shall be separately classified and rated. (15699)

CCIS-m-o.Doc

(6) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (7) This classification applies to risks specializing in the beautification or maintenance of customers’ nails for cosmetic purposes. This classification does not apply to nail services provided to customers in conjunction with a beauty salon or similar operations. Nail service is included in the operations of a beauty salon and is not separately classified. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (15600) (8) Refer to “Convents or Monasteries”. (9) Student Nurses Homes are classified and rated as “Schools – dormitory facilities”. All other Nurses Homes are included in the governing classification. (10) Refer to company (11) Refer to Class Write Up Section in Guidelines (12) Use Exclusion Products/Completed Operations Hazard CG-2104


156

CenCal Insurance Services Commercial Lines Manual Classification1 Table

Description Office Machines Mfg. Office Machines Or Appliances Installation, Inspection, Adjustment Or Repair Office Machines Or Appliances - Retail – No Repair

FIRE

CRIME

Class Code

Class Code

6900

3330

(1)

0563

8112

4530

2 (4) 2

2

5,000

15,000

0922

Office Machines Or Appliances – Wholesale – No Repair

0563

4214

2

15,000

(6)

6501

1 (9)

5,000

CCIS-m-o.Doc

2

25,000

Office Machines Or Appliances – Retail Or Wholesale – With Repair

Offices

4530


15,000

GENERAL LIABILITY Premium Premises Products Base Code Code s p+

57572 (4) 98111 (5)

57572 (4) Included

* (2) *

* (2) *


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

* (3) *

* (3) *


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

157

CenCal Insurance Services Commercial Lines Manual Classification1 Table (1) Sales or storage, with no repair, use Code 0563 and CPP PMA M. With repair, use Code 0922 and CPP PMA S. (2) Refer to “Stores – no food or drink”. (3) Refer to “Distributors – no food or drink”. (4) This classification includes adding, calculating, dictating, photocopying and typewriting machines. Computer manufacturing shall be separately classified and rated. (57572) (5) This classification includes shop operations. (98111) (6) Governmental, use Code 0701, CPP PMA 1. All other, use Code 0702, CPP PMA O. (7) Lessor’s Risk, use Code 65198. All other, use Code 65121. (8) Refer to Businessowners Office rates in CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (9) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (10) Including Stock, use Code 1751. Excluding Stock, use Code 1752. (11) This classification includes salt water disposal operations. (98150) (98151) (98152) (12) Coverage does not apply to property damage arising out of the underground resources and equipment hazard. Use Exclusion – Underground Resources And Equipment Endorsement CG 22 57. (98150) (98151) (13) Coverage does not apply to property damage to oil, gas, water, or other material substances caused by saline substance contamination. Use Exclusion – Saline Substances Contamination Endorsement CG 22 47. (98150) (98151)

(14) (15)

(16) (17)

CCIS-m-o.Doc

The following shall be separately classified and rated: • Oil still erecting or repair • Oil rig or derrick erection • Drilling • Installation or recovery of casing • Well shooting • Cementing • Tank building • Topping operations • Gasoline recovery Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98150) (98151) (98152) (98153) This classification also includes the clearing of land, building of lease roads, slush pits, levees or fire walls, the laying or taking up of flow lines and water lines, installing of central pumping units and lease beautification work. (98152) The following shall be separately classified and rated: • Pipeline construction • Tank building • Rig or derrick erecting or dismantling • Installation or recovery of casing • Drilling • Cementing • Acidizing • Cleaning or swabbing of wells • Well shooting This classification applies to operations by owners, operators or contractor. (98153) 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.


158

CenCal Insurance Services Commercial Lines Manual Classification1 Table FIRE

CRIME



Class Code

Class Code

Optical Goods – Distribution

(10)

4214

2

15,000

r

(12)

(12)

Optical Goods Manufacturing

6009

3395

2

15,000

s

57600 (6) 15839 (13)

57600 (6) 15839 (13)

Description

Optical Goods Stores

CCIS-m-o.Doc

(10)

4462

2 (14)

15,000

s



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

159

CenCal Insurance Services Commercial Lines Manual Classification1 Table (1) This classification includes incidental reconditioning or repairing. Installation, erection, dismantling or salvage operations shall be separately classified and rated. (15188) (2) This classification includes the refining of kerosene, gasoline, diesel or jet fuel. Oil producing shall be separately classified and rated. (15733) (3) Contractors equipment 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. (4) This classification includes construction of foundations or structures or installation of equipment. This classification applies to all operations including construction of foundation or structures or installation of equipment. Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98163) (5) This classification applies to the erection or repair of oil stills and incidental structures or connections which are integral parts of the distillation units such as control, pump and compressor house. It does not apply to the erection or repair of office buildings, warehouses, storage tanks, power plants or other structures incidental to an oil refinery but not integral parts of the distillation units. Pile driving shall be separately classified and rated. (98164) (6) This classification includes the manufacturing of binoculars, telescopes, microscopes, magnifying glasses and light filters. (57600) Manufacturing of the following shall be separately classified and rated: • Contact lens • Eye glass lens • Photographic lens

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(7) Coverage does not apply to property damage arising out of the underground resources and equipment hazard. Use Exclusion – Underground Resources And Equipment Endorsement CG 22 57. (98162) (8) Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98162) (9) This classification applies to operations by owners, operators or contractors. (98162) (10) Use Code 0567 and CPP PMA M except, if over 5 employees engaged in grinding or polishing, use code 6009 and CPP PMA IP. (11) 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. (12) Refer to “Distributors – no food or drink”. (13) This classification primarily applies to stores selling eye glasses and prescription lenses. Products coverage for this classification includes professional coverage. Use Optical And Hearing Aid Establishments Endorsement CG 22 65. If products coverage is not provided use Exclusion – Products And Professional Services (Optical And Hearing Aid Establishments) Endorsement CG 22 37. (15839) (14) E and H Optometrist Offices – Class Code 8000, Rate Group 1, Class Limit 5,000. This footnote does not apply to Contents, Fire.


160


Description Packing House

FIRE

CRIME

Class Code

Class Code

2250

3310

Paint, Wall Paper Or Wallcovering Stores

0570

Painting – Exterior-Buildings Or Structures – Exceeding Three Stories In Height

(11)

2350

Painting – Exterior – Buildings Or Structures – Three Stories Or Less In Height

(3)

Painting – Interior – Buildings Or Structures

*


1 (2) 1 (12)

15,000 5,000

p

2350

1

5,000

p

(3)

2350

1

5,000

p

Painting – Shop Only

(5)

2350

1

5,000

p

Painting – Steel Structures Or Bridges

(3)

2350

1

5,000

p

0570

4510

1

15,000

s

Painting, Picture Or Frame Stores Paper Coating Or Finishing

CCIS-p-r.Doc

4450

4440


3225

1

5,000

s

s

57651 (1) 15991 98303 (4) (7) (11) (13)(14)(15) 98304 NOC (4) (7) (13)(14)(15) 98305 (4)(13)(14) (15) 98308 (6) 98309 15993 (9) 57716 (10)


(11) (a) (b) 15991 (11)

(a) (b) (o) (p) Commercial Work Only (a) (b) (d1)

98304 NOC (4) (7)

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

98305 (4)


98308 (6) 98309

(a) (b) (d1)

15993 (9) (11)


Non-Admitted Only (a) (b) (d1) (a) (b) (o) (p) (a) (b)

161

CenCal Insurance Services Commercial Lines Manual Classification Table (1) The following shall be separately classified and rated: (57651) • Stockyards • Rendering work (2) C – Rate Group 2. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (3) Contractors 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. Vehicle Storage or repair, refer to “Automobile” classifications. (4) For spray painting operations a property damage deductible of $250.00 per claim applies. Use Deductible Liability Insurance Endorsement CG 03 00. (98303) (98304) (98305) (98306) (98307) (98309)

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(5) Use Code 0922 and CPP PMA C except if auto body repair with spray painting, use Code 0933 and CPP PMA S. (6) N.P.D. in manufacturing plants or with other painting classifications. (98308) (7) Separately classify and rate painting of steel structures and bridges. (98303) (98304) (8) Separately classify and rate painting of oil or gasoline tanks. (98309) (9) This classification applies to risks whose operations primarily involve the sale of prints, posters, reproductions, paintings, photographs and frames and which have a large amount of merchandise on display. On-premises assembly by employees or customers is included. (15993) (10) This classification includes corrugating, creping, laminating, oiling, paraffining, parchmentizing or waxing. Paper manufacturing shall be separately classified and rated. (57716) (11) Refer to Company (12) Attach Exclusion – Products/Completed Operations Hazard CG-2104 (13) Attach Pre Existing Damages Exclusion SL-63 (14) Attach Contractors Supplemental Application NAA-110 (15) Attach Residential Projects Exclusion EAA-148


162


Description Paper Goods Mfg.

FIRE

CRIME

Class Code

Class Code

4450

3225


4400

3225

1

5,000

s

Paper Products Distributors

(2)

4221

1

5,500

s

16005

16005

(a) (b)

Paperhanging

(5)

2350

1

5,000

p

98344

98344

(a) (b) (d1)

Parades

N/A

7130

N/A

t+

Included

Parking – Private

N/A

8129

Parking – Public – Open Air

0931

8129

0931

5310

46604 (8) (12) (13) 46607 (9) (12) (14)

Included

Parking – Public – Shopping Centers – Maintained By The Insured (Lessor’s Risk Only) Parking – Public – Not Open Air

2 (7) (10) 2 (7) (10) (10)

46590 (6) (11) 46622

46603 (8) (12) (13)

Included

CCIS-p-r.Doc

0931

8129

2 (7) (10)

5,000

s


57725 NOC (1) 57726

Paper Mfg.

1


5,000

a+

5,000

s+ a+

5,000

s+

57725 NOC (1) 57726

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


Included (a) (b) (f) (h) Non-Admitted Only (a) (b) (f) (h)

Included (a) (b) (f) (h)


Non-Admitted Only (a) (b) (f) (h)

163

CenCal Insurance Services Commercial Lines Manual Classification Table (1) The manufacturing of the following shall be separately classified and rated: (57725) • Paper • Corrugated containers (2) Paper decorations, papier-mâché, sensitized paper, wall paper, waxed paper, use Code 0570. Other products, use Code 0567. (3) Waste materials, use Code 1400. (4) Laundry operations performed by wiping cloth or rag dealers shall be separately classified and rated. (16009) (5) Contractors storage, use Code 0567 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Equipment in the open, use Code 1190 and CPP PMA C. Vehicle storage or repair, refer to “Automobile” classifications.

CCIS-p-r.Doc

(6) This classification does not apply to parades organized or sponsored by a governmental body. Basis of premium is each parade. (46590) (7) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (8) Servicing of automobiles shall be separately classified and rated. (46604) (46603) (9) For premium computation purposes, area shall include the total area of the public parking lot including lawns, dividers, malls, etc., within the outer boundaries of the lot and shall also include any access roads to or from the parking area which are maintained by the insured, but shall not include restricted delivery truck parking areas or areas restricted to pickup only. (46607) (10) Contents, Fire – NA. (11) Refer to Company (12) Attach Assault and Battery Exclusion SL-4 (13) Attach Sexual Abuse Exclusion SL-10


164


Description Parking – Public- Shopping Centers – Maintained By Lessee (Lessor’s Risk Only) Parks Or Playgrounds Pattern Mfg. – Metal Pattern Mfg. – Paper Pattern Mfg. – Other

FIRE

CRIME

Class Code

Class Code

NA

---

No 6850 4450

No

Pawn Shops

(14) (19)

5224

Penal Institutions

No

No

Pet Grooming

CCIS-p-r.Doc

*

3395

2059

3110

0921

---

---

---

8121


t+ s

* *

Pet Food Mfg.

---

*

*

Pencil, Pen, Crayon Or Chalk, Mfg.


s s

--1 (10) 1 1

---

---

5,000

s

15,000

s

46606 (1) (14) (15)

Included

46671 (16) 57808 (6) 57810

Included

57809 NOC (7) (14) (16) (17) (19) 46700 (9) 57871

Comments & Application Coding (a) (b) (f) (h)

(a) (b) 57808 (16) 57810 (16) 57809 (16) (16) (19)

(a) (b) (u) (a) (b) (a) (b) Non-Admitted Only (a) (b) (f) (o) (p)

46700 (a) (b) 57871 (a) (b)

5,000

s+

57913 (11) 16402 (18)

57913 (11) Included


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

165

CenCal Insurance Services Commercial Lines Manual Classification Table (1) For premium computation purposes, area shall include the total area of the public parking lot including lawns, dividers, malls, etc., within the outer boundaries of the lot and shall also include any access roads to or from the parking area which are maintained by the insured, but shall not include restricted delivery truck parking areas restricted to pick-up only. (46606) (2) This classification includes parks and playgrounds owned by a governmental body. (3) Enclosed buildings used for recreational purposes, use Code 0844. Equipment in the open, use Code 1190. (4) This classification does not apply to parks or playgrounds owned by a governmental body. Basis of premium is each park or playground. (46671) (5) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (6) This classification is not applicable to the manufacturing of metal jigs, fixtures or dies. (57808) (7) Refer to “Stores – no food or drink”. (8) C, SBF and SBR – Pawnbrokers (a) C – Rate Group 4 (b) SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire.

CCIS-p-r.Doc

(9) This classification includes correctional institutions, penitentiaries, prisons and reformatories. Professional Services are excluded. Use Exclusion – Services Furnished By Health Care Providers Endorsement CG 22 44. If professional liability coverage is desired, refer to company. Medical Payments are excluded. Use Exclusion – Medical Payments Coverage (Inmates, Patients Or Prisoners) Endorsement CG 22 52. (46700) (10) E and H – Fountain Pens, Rate Group 3, Class Limit $5,000. This footnote does not apply to Contents, Fire. (11) Feed Manufacturing shall be separately classified and rated. (57913) (12) Office, use Code 0702 and CPP PMA C or O. Miscellaneous storage, use Code 0567 and CPP PMA C. Chemicals Storage, use Code 0570 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Vehicle storage or repair, refer to “Automobile” classifications. (13) This classification includes termite control but excludes the use of gas of any kind. Coverage is included for herbicide/pesticide operations. Use Pesticide Or Herbicide Applicator Coverage Endorsement CG 22 64. (43470) The following shall be separately classified and rated: • Fumigating • Crop spraying (14) Attach Assault And Battery Exclusion SL – 4 (15) Attach Sexual Abuse Exclusion SL – 10 (16) Refer to company (17) Attach Exclusion Firearms SL – 21 (18) Attach Exclusion Injuries Caused By Animals SL – 2 (19) Refer to Class Write Up Section in Guidelines


166


Description Pet Stores

FIRE

CRIME

Class Code

Class Code

0570

4530

Pet Training

0921

Photo Finishing Laboratories

0921

Photographers Photographic Equipment Mfg. Photographic Supplies Mfg. Piano Tuning Picnic Ground Commercially Operated

CCIS-p-r.Doc

0921

8121 5419

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

15,000

1

5,000

2

5,000


s+ s+

(4)

3330

3

15,000

s

*

3330

3

15,000

s

* (8)

8112 7130

* 1 (10)

p+ 5,000

t+

16403 (1) (19) No

16403 (1) (19) No

57997 (15) 16471 (3) (16) 57998 (6) (17) 57999 (7) (17) 98405

Included

46773 (9) (18)

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

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


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

167

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes incidental pet grooming and training. (16403) (2) C – Rate Group 2 SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (3) This classification includes the use of video cameras and studios. The operation or use of aircraft in connection with aerial photography is subject to the aircraft exclusion in the policy. Camera or Photographic Equipment Stores shall be separately classified and rated. (16471) (4) Precision metal parts, use Code 6900. Other metal parts, use Code 6850. Plastic parts, use Code 5500. (5) Photographic Equipment Retail, use Code 59955, Rate Number 4, Rate Group 5. (6) This classification includes cameras, camera lenses, photographic enlarging equipment, projectors, light meters, developing tanks and mounting equipment. (57998) The following shall be separately classified and rated: • Chemical manufacturing • Photographic supplies manufacturing (7) This classification includes film and photographic paper. (57999) The following shall be separately classified and rated: • Chemical manufacturing • Photographic equipment manufacturing

CCIS-p-r.Doc

(8) Use Code 0844. This code applies only to enclosed buildings used for recreational purposes. For restaurants, snacks stands and other buildings, classify according to occupancy. (9) The following shall be separately classified and rated: • Boats • Refreshment stands • Restaurants Basis of premium is each picnic ground. (46773) (10) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (11) 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. (12) The making of concrete piles at the job location or the pouring of concrete into hollow steel piles shall be classified and rated as “Concrete Construction”. (98413) (98415) (98414) (13) This classification includes the building of timber wharfs. (98414) (14) This classification applies when sonic method is the only pile driving method used by the insured at the job site. (98415) (15) If providing property coverage, chemicals must be stored in UL approved cabinets (16) Exclude aerial photography (17) Refer to theft guidelines (18) Refer to company (19) Attach Exclusion Injuries Caused By Animals SL – 2


168


Description Pipes Or Tubes Mfg. – Metal

FIRE

CRIME

Class Code

Class Code

6850

3320



5500

3260

2 (1) 1

Plastering Or Stucco Work

(2)

2350

1

5,000

p

Plastic Or Rubber Goods Mfg. – Household

(5)

3260

2

5,000

s

Plastic Or Rubber Goods Mfg. – Other Than Household

(5)

3260

2

Plastic Or Rubber Supply Goods Distributors

(6)

4226

*

Plumbing – Commercial And Industrial

(7)

Pipes Or Tubes Mfg. – Plastic

Plumbing Fixtures Mfg.

CCIS-p-r.Doc

15,000 5,000

s

58010

(12)

98449 (13)(14)(15) 58057 NOC 58058 NOC 16501

98449

15,000

s

s s

58009


(12) (a) (b) (u) (a) (b) Commercial Work Only (a) (b) (d1)

(12) (a) (b) (12) (a) (b) (12) (a) (b)

(11)

2350 3320

2 2

15,000 25,000

p s

98482 (8) (9) 58095

98482 (8) (9) 58095


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

169

CenCal Insurance Services Commercial Lines Manual Classification Table (1) E and H – Tubing or Hose – Flexible Metal. Classify according to kind of metal. This footnote does not apply to Contents, Fire. (2) 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” classification. (3) Noncombustible chemicals, use Code 5000. Combustible, free burning chemicals, use Code 5050. Rapid burning chemicals, use Code 5100. (4) This classification applies to the manufacturing of powder, liquid or resin. (58056) (5) Plastic, use Code 5500. Also refer to “Rubber Manufacturing”. (6) Plastic, use Code 0567. Also refer to “Rubber Manufacturing”. (7) Contractors storage, use Code 0563 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications.

CCIS-p-r.Doc

(8) This classification includes: (98482) (98483) • The installation, service or repair of sanitary gas, steam, hot water, pipe or other pipe fittings including building connections and gas or liquid fuel appliances • The incidental sales of plumbing fixtures and supplies to be used in connection with the insured’s installation, service or repair operations The following shall be separately classified and rated: • Sales of appliances • Installation, servicing and repair of heating systems or units or liquefied petroleum gas systems and piping • Sales of fixtures and supplies which are not to be used in connection with the insured’s installation, service or repair operations. (9) This classification also includes shops and display rooms. (98482) (10) This classification applies to insureds whose principal operations are in connection with 1-4 family dwellings. This classification also includes house connections, shop and display rooms. (98483) (11) Use Code 6850. This code applies to metal fixtures only. (12) Refer to company (13) Attach Pre Existing Damages Exclusion SL-63 (14) Attach Contractors Supplemental Application NAA-110 (15) Attach Residential Projects Exclusion EAA-148


170


Description Plumbing Supplies And Fixtures Dealers And Distributors Plumbing Supplies Mfg.

FIRE

CRIME

Class Code

Class Code

0563

4217

(2)

3320


*

16527 (9) 58096 NOC (3) *

16527 (9) 58096 NOC (3) (19)

*

*

(19)

2

25,000 15,000

Precision And Scientific Tools And Instruments – Retail

0567

Precision Metal Products Manufacturing – Including Highly Polished Metal Sheets, Cameras, Photographic Equipment, Electrical Parts And Equipment (Other Than Motors) Prefabricated Building Erection

(10)

(11)

2330

1 (13)

15,000

Prefabricated Building Mfg.

(14)

3210

1 (13)

15,000

CCIS-p-r.Doc


Comments & Application Coding (a) (b) (a) (b) (a) (b) (u)

(19)

(a) (b) (u)

p

98502 (12)(20)(21) (22) (18)(20)(21) (22)

98502 (12)(20) (21)(22) (18) (19)(20) (21)(22)


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

171

CenCal Insurance Services Commercial Lines Manual Classification Table (1) C – Rate Group 3. This footnote does not apply to Contents, Fire. (2) Use Code 6850. This code applies to metal fixtures only. (3) This classification includes the manufacture of irrigation equipment. Plumbing Fixtures Manufacturing shall be separately classified and rated. (58096) (4) This classification includes log processing. (58301) (5) Refer to Businessowners Office rates in CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (6) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (7) This classification includes all premises and operations. Personal and Advertising Injury are excluded. Use Exclusion – Personal And Advertising Injury Endorsement CG 21 38. Basis of premium is each campaign headquarters or office. (46822) (8) Retail – BP Class Code 50741, BP Rate No. 2, BP Rate Group 5. Distributors – BP Class Code 50721, BP Rate No. 1, BP Rate Group 2. 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. (9) This classification includes the sale of irrigation equipment. (16527)

CCIS-p-r.Doc

(10) Use Code 6900. This classification also includes radios, TV’s, phonographs and their parts, tubes, relays, transistors, scientific equipment, clocks, watches and jewelry. (11) Contractors storage, use Code 0567 and CCP 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. (12) The following shall be separately classified and rated: (98502) • Electric wiring • Plumbing work • Heating or cooling systems installation (13) E and H – Excluding Electrical Equipment and Supplies and Heating and Plumbing Equipment and Supplies. This footnote does not apply to Contents, Fire. (14) Metal, use Code 6850. Wood, use Code 3959. (15) Erection of prefabricated buildings shall be separately classified and rated. (58397) (16) Attach Exclusion – Personal And Advertising Injury Endorsement BP 04 37. (17) Attach Exclusion Products/Co operations Hazard CG-2104– CG2104 (18) Refer to company (19) Commercial buildings only (20) Attach Pre Existing Damages Exclusion SL-63 (21) Attach Contractors Supplemental Application NAA-110 (22) Attach Residential Projects Exclusion EAA-148


172


CRIME

Class Code

Class Code

Printers Or Electrotypers Supplies – Distributors Printing – Not-For-Profit Only

0567

4221

1

5,000

s

16588

16588

(1)

3230

1

5,000

s+

Included

Printing – Other Than Not-For-Profit

(1)

3230

1

5,000

s+

58409 (2) (6) (7) 58408 (2) (6) (7) 16604 (4) 46882 (6) (7)

Description

Produce Handling Or Packing Professional And Trade Associations – No Buildings Or Premises Owned Or Leased Except As Offices – Not-ForProfit Only Professional And Trade Associations – No Buildings On Premises Owned Or Leased Except As Offices – Other Than Not-For-Profit Publishers – Books Or Magazines – Not-For-Profit Only

(3) *

8133

2 (5) 1

5,000 5,000


s t+


Included (a) (b) 16604 (4) Included

(a) (b)

(a) (b) (o) *

8133

1

5,000

t+

46881 (6) (7)

Included (a) (b) (o)

4809

Publishers – Books Or Magazines – Other Than Not-For-Profit

4809

Publishers – Newspapers – Not-ForProfit Only

4809

Publishers – Newspapers – Other Than Not-For-Profit

4809

CCIS-p-r.Doc

1100


5111 5111 5111 5111

2 2 1 1

15,000 15,000 5,000 5,000

s+ s+ s+ s+

58457 (6) (7) 58456 (6) (7) 58459 (6) (7) 58458 (6) (7)

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


(a) (b)

173

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Addressing, blueprinting and duplicating services, use Code 0921. Other printing services, use Code 4809. (2) Retail stores shall be separately classified and rated. (58409) (58408) (3) Packing or processing, use Code 2250 and CPP PMA IP. Storage, use Code 0532 and CPP PMA M unless sole occupant and over 15,000 sq. ft. then use Code 0432 and CPP PMA M. (4) This classification includes those risks which buy, pack, or otherwise prepare general produce for shipment or transportation but not caring for produce during transport. (16604) (5) C – Rate Group 2. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

CCIS-p-r.Doc

(6) Personal and Advertising Injury are excluded. Use Exclusion – Personal And Advertising Injury Endorsement CG 21 38. The following shall be separately classified and rated: • Activities conducted by the insured to which the public is admitted if an admission fee is charged by the insured. • Buildings or premises, other than offices, owned by or rented to the insured, except premises owned or rented only for specified days for meeting purposes • Premises occupied by the insured for purposes other than meetings of members and guests Basis of premium is each member. (46882) (46881) (7) Attach Professional Liability Exclusion – CG2116.


174


Description Racquet Sports And Handball Facilities – Commercially Operated

FIRE

CRIME

Class Code

Class Code

0844

7130

Radio Or TV Broadcasting Stations – Not-For-Profit Only

(1)

Radio Or TV Broadcasting Stations – Other Than Not-For-Profit

(1)

Radio, Television Or Sound System Mfg.

(4)

Real Estate Agents

(17)

5135 (3) 5135 (3) 3347

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

25,000 25,000

s+ p+ p+

15,000

16670 (8) 98598 (2) (6) (7) 98597 (2) (6) (7) (5)


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

Real Estate Development Property

NA

5310

1 (14) NA

Real Estate Property Managed

NA

5312

NA

Recording Studios

0832 (16)

5125

3 14)

CCIS-p-r.Doc

15,000


5312

5,000

p+ t+ s+

15,000

a+

47050 (10) (15) 47051 (11) (8) 47052 (12) (8) 47103 (13)

Included Included Included

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

Included


(a) (b)

175

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Without stage and without scenery storage, use Code 0702 and CPP PMA O or S. With stage or scenery storage, use Code 0832 and CPP PMA S. Also refer to “Communications Equipment”. (2) For premium computation purposes include the payroll of all employees including salespersons and clerical. (98598) (98597) (3) E and H – Radio Broadcasting Stations, use Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (4) Electronic components, use Code 6900. Metal parts, heavy, use Code 6810. Metal parts, light, use Code 6850. Plastic parts, use Code 5500. (5) Refer to the appropriate “Communication or Recording Systems or Equipment Mfg.” classification. (6) Attach Personal Injury and Advertising Injury Endorsement CG 2138 (7) Excluded Broadcasters E & 0 (8) Refer to company (9) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (10) This classification includes property listed with the insured for rent or sale and advertising signs thereon. Premises owned, operated or managed by or in the care, custody or control of the insured for any purposes other than for use primarily as offices in conducting the named insured’s general business and renting offices located in buildings managed by the insured shall be separately classified and rated. If the insured does not desire to obtain coverage for exposures assignable to the separately rated classification, Limitation Of Coverage – Real Estate Operations Endorsement CG 22 60 must be attached to the insured’s policy. For premium computation purposes include the payroll of clerical employees and salesmen. (47050 CCIS-p-r.Doc

(11)

(12)

(13) (14) (15) (16) (17)

This classification applies solely to the existence and maintenance of property exclusive of buildings. It applies to land in any stage of active development. Active development includes site preparation work as well as actual construction activities. This classification applies to property managed by Real Estate Agents or Property Managers. It does not apply to premises listed with the insured for rental or sale but not managed or owned by or rented to the insured. This classification provides excess coverage over any other valid or collectible insurance. Use Real Estate Property Managed Endorsement CG 22 70. Premises used for offices in the conduct of the named insured’s business shall be separately classified and rated as “Real Estate Agents”. For premium computation purposes use only the receipts from buildings and premises managed by the insured. (47052) This classification includes sound editing. Motion Picture Studios shall be separately classified and rated. (47103) Records only, Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. Use Exclusion Products/Completed Operations Hazard CG2104 Refer to Theft Guidelines. Use Code 0702 and CPP PMA O. This classification applies to offices only.


176


Description Recreational Facilities Rectories Refrigeration Equipment Mfg.

FIRE

CRIME

Class Code

Class Code

(1) NOC (2)

7130



*

*

* (a) (b)

8131

(2)

5,000

* (3) 58663 (4) 16705 (6) 98636 (8)

(a) (b)

*

3330

2

25,000

s

Refrigeration Equipment – Dealers And Distributors Only – Commercial

(5)

4217

2

25,000

s

Refrigeration Systems Or Equipment – Dealers And Distributors And Installation, Servicing Or Repair – Commercial Rendering Works

(7)

No

No

---

---

---

No

No

Renovating – Outside Surfaces Of Buildings

(16) (11)

2350

1

5,000

p+

98642 (9)(12)(13) (14)(15)

Included

CCIS-p-r.Doc


4217

2

25,000

p

58663 (4) 16705 (6) 98636 (8)

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

(a) (b) (d1)


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

177


(1) Use Code 0844 and CPP PMA S, for Billiard and Pool Halls, Ice Rinks, Stadiums, Amusement Parks, Bandstands, Fair Grounds and Baseball Parks. Also refer to “Golf Courses”, “Clubs”, “Theaters”, “Bowling Lanes”, “Halls”, “Camps” and Special Class Rates. (2) Refer to “Convents or Monasteries”. (3) Rectories are included in the governing classification. (4) This classification includes the manufacturing of ducts and piping. Installation, servicing or repair shall be separately classified and rated. (58663) (5) Use Code 0563 and CPP PMA M. For Contractors: Contractors storage, use Code 0563 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. (6) This classification applies to risks engaged in the sales of refrigeration equipment only. This classification includes the sales of ducts and piping. (16705) This classification does not apply to risks engaged in: • Sales and installation, servicing or repair • Installation, servicing or repair only The sales of air conditioning equipment shall be separately classified and rated (7) Repair and service only, use Code 0922 and CPP PMA S. Sales and storage with or without repair, use Code 0563 and CPP PMA M. For Contractors: Contractors storage, use Code 0563 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. CCIS-p-r.Doc

(8)

(9)

(10) (11) (12) (13) (14) (15) (16)

This classification applies to risks engaged in: • Sales and installation, servicing or repair of refrigeration systems or equipment • Installation, servicing or repair of refrigeration systems or equipment only This classification includes: (98636) • The sales and installation of ducts and piping • Shop and display rooms This classification applies to risks that exclusively renovate the outside surfaces of buildings for others. This classification does not apply to risks involved in actual construction or masonry work. (98640) Wholesalers use BP Code 50771 Rate NO. 6 and Rate Group 2. This classification does not apply to masonry work or actual construction work. Refer to company work performed on buildings over three stories Attach Pre Existing Damages Exclusion SL-63 Attach Contractors Supplemental Application NAA-110 Attach Residential Projects Exclusion EAA-148 Contractors equipment 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.


178


FIRE

CRIME



Class Code

Class Code

Rental Stores

(8)

5320

---

---

s+

Rental Stores – Machinery Or Equipment – Rented To Others On A Long-Term Basis Restaurants – Operated By Concessionaires – Not-For-Profit Only

(8)

5320

---

---

s+

(3)

7225

3 (6)

15,000

s

Description

Restaurants – Operated By Concessionaires – Other Than Not-ForProfit

(3)

Restaurants – Refreshment Stands Or Drive-Ins With Tray Service – Not-ForProfit Only

(3)

Restaurants – Refreshment Stands Or Drive-Ins With Tray Service – Other Than Not-For-Profit

(3)

Restaurants – Self-Service Or SelfOrdering – Including Cafeterias And Smorgasbords – Not-For-Profit Only

(3)

Restaurants – Self-Service Or SelfOrdering – Cafeterias & Smorgasbords – Other Than Not-For-Profit

(3)

CCIS-p-r.Doc

7225

5812

5812

5812

5812

3 (6)

15,000

3 (6)

5,000

3 (6)

5,000

3 (6)

5,000

3 (6)

5,000

s

s

s

s

s

16722 NOC (1) (8) 16723 (2) (8) 16820 (4) (5) (9) (190) 16819 (4) (5) (9) (10) 16900 (5) (7) (9) (10) 16901 (5) (7) (9) (10) 16901 (5) (9) (10) 16901 (5) (9) (10)

Included Included

16820 (4) (5) (9) (10) 16819 (4) (5) (9) (10) 16900 (5) (7) (9) (10) 16901 (5) (7) (9) (10) 16901 (5) (9) (10) 16901 (5) (9) (10)


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

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

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

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

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

179

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification applies to risks who rent a variety of items to the general public, predominantly on a short-term basis. Goods sold shall be separately classified and rated. (16722) (2) The following shall be separately classified and rated: (16723) • Goods sold • Contractors equipment rented to others (3) With Cooking, use Code 0542. Without Cooking, use Code 0532. (This classification includes sale of food products, including retail bakeries and beverages excluding alcoholic beverages). Also refer to “Bars and Taverns”. (4) This classification applies only to restaurants or cafeterias operated by concessionaires in industrial plants, office buildings or elsewhere used exclusively by employees and guests of the concern granting the concession. (16820 (16819)

CCIS-p-r.Doc

(5) Coverage applies to bodily injury or property damage arising out of the products hazard whether such bodily injury or property damage occurs on the insured’s premises or elsewhere. Use Products/Completed Operations Hazard Redefined Endorsement CG 24 07. (16820) (16819) (16822) (16821) (16824) (16823) (6) C – Includes lunchroom or cafeterias excluding hotels. C – Rate Group 4. SBF and SBR – Includes hotels. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (7) This classification applies to risks having less than 500 square feet, or no seating. This classification includes restaurants which have no seating on their premises but share common seating with other restaurants. (16822) (16821) Risks that do any selling by means of hawkers or peddlers shall be classified and rated as “Concessionaires”. (8) Refer to company (9) Attach Assault And Battery exclusion SL – 4 (10) Refer restaurants with entertainment or dancing. When considering property coverage, cooking surfaces such as grills and deep fat fryers must be protected by an automatic extinguishing system.


180


CRIME

Class Code

Class Code

Restaurants – With Sale Of Alcoholic Beverages less than 30% – With Dance Floor

(1)

5812

Restaurants – With Sale Of Alcoholic Beverages less than 30%– Without Dance Floor

(1)

Restaurants – With Sales Of Alcoholic Beverages That Are Less Than 75% Of The Total Annual Receipts Of The Restaurants – With Dance Floor Restaurants – With Sales Of Alcoholic Beverages That Are Less Than 75% Of The Total Annual Receipts Of The Restaurants – Without Dance Floor Restaurants – With Sales Of Alcoholic Beverages That Are 75% Or More Of The Total Annual Receipts Of The Restaurants – With Dance Floor Restaurants – With Sales Of Alcoholic Beverages That Are 75% Or More Of The Total Annual Receipts Of The Restaurants – Without Dance Floor

(1)

Description

CCIS-p-r.Doc

(1)

(1)

(1)

5812

5812

5812

5812

5812


15,000

3 (4)

15,000

4 (3)

25,000

3 (7)

15,000

4 (3)

25,000

3 (7)

15,000


s

s

s

s

s


16910 (2) (5) (8) (9) 16910 (2) (5) (8) (9) 16915 (2) (5) (6) (8) (9)

16910 (2) (5) (8) (9) 16910 (2) (5) (8) (9) 16915 (2) (5) (6) (8) (9)

16916 (2) (5) (6) (8) (9)

16916 (2) (5) (6) (8) (9)

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

16940 (2) (5) (6) (8) (9)

16940 (2) (5) (6) (8) (9)

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

16941 (2) (5) (6) (8) (9)

16941 (2) (5) (6) (8) (9)

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


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

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

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

181

CenCal Insurance Services Commercial Lines Manual Classification Table (1) With Cooking, use Code 0542. Without Cooking, use Code 0532. (This classification includes sale of food products, including retail bakeries and beverages excluding alcoholic beverages). Also refer to “Bars and Taverns”. (2) Coverage applies to bodily injury or property damage arising out of the products hazard whether such bodily injury or property damage occurs on the insured’s premises or elsewhere. Use Products/Completed Operations Hazard Redefined Endorsement CG 24 07. (16813) (16814) (16815) (16816) (16817) (16818) (3) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (4) C – Includes lunchroom or cafeterias excluding hotels. C – Rate Group 4. SBF and SBR – Includes hotels. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

CCIS-p-r.Doc

(5) Nightclubs, cabarets or discotheques or other similar establishments shall be separately classified and rated. (16813) (16814) (16815) (16816) (16817) (16818) (6) This classification includes bars, restaurants, beer pubs or taverns with or without entertainment. This classification also includes microbreweries, which sell their own products on their premises for consumption on their premises only. Microbreweries which sell their products for off premises consumption shall be classified and rated under the appropriate Beer, Ale or Malt Liquor Mfg. classification. (16815) (16816) (16817) (16818) (7) C – Rate Group 4. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (8) Attach Assault And Battery exclusion SL – 4 (9) Refer restaurants with entertainment or dancing. When considering property coverage, cooking surfaces such as grills and deep fat fryers must be protected by an automatic extinguishing system.


182


CRIME

Class Code

Class Code

Roofing – Commercial

(1)

2350

1

5,000

p

Rubber Mfg.

(2) (3) (4)

3260

2

5,000

s

Rubber Stamp Mfg. Or Assembling

(7)

3260

2

5,000

s

Description

CCIS-p-r.Doc


GENERAL LIABILITY Premium Premises Products Base Code Code 98677 (2) 58756 (6)

98677 (2) 58756 (9)

Comments & Application Coding Non-Admitted Only (a) (b) (d1) (f) Non-Admitted On (a) (b)

58759 (8)

58759 (8)

(a) (b)


183

CenCal Insurance Services Commercial Lines Manual Classification Table (1)

(2) (3)

(4) (5)

(6)

(7)

Contractors storage or sales outlet, 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. Refer to Class Write Up Section in Guidelines Bulk Rubber Manufacturing. If low hazard (noncombustible), use Code 5000 and CPP PMA IP. If moderate hazard (combustible or free burning), use Code 5050 and CPP PMA IP. If high hazard (rapid burning), use Code 5100 and CPP PMA IP. Manufacturing – Rubber Products, use Code 5759 and CPP PMA IP. Rubber tires, sales and/or storage, use Code 0512 and CPP PMA M. Crude rubber, heavy industrial goods and belts sales and/or storage, use Code 0511 and CPP PMA M. Other Rubber Products sales and/or storage, use Code 0567 and CPP PMA M. The following shall be separately classified and rated: (58756) • Manufacturing of finished rubber products • Oil refining • Gasoline recovery • Acetyline gas manufacturing • Alcohol manufacturing Rubber stamp manufacturing, use Code 5659 and CPP PMA IP.

CCIS-p-r.Doc

(8) Manufacturing of frames, backs of handles shall be separately classified and rate. (58759) (9) Refer to company


184


Description Saddles, Harnesses Or Horses Furnishings Mfg.

FIRE

CRIME

Class Code

Class Code

*

3160


15,000


Safes Or Safe Vaults Mfg.

6810

3320

1

5,000

s

Sail Making

2800 (5) (3)

3140

2

15,000

s

Sales Or Service Organizations Salvage Operations

(6)

4530

1 ---

5,000 ---

p+ ---

58802 (8) 58813 (1) 58822 (2) 47367 (4) (7) (6)


No (a) (b) (6) (a) (b) (6) (a) (b) Included (a) (b) (o)

Sandblasting

(6)

(6) 2350 2350

(6)

Saw Mills Or Planing Mills

(6)

3210

CCIS-s.Doc


(6)

(6)

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

(6)

(6)

(a) (b)

185

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes servicing and repair. (58813) (2) This classification applies to shop operations only. (58822) (3) Use Code 0702 and CPP PMA O. This classification applies to offices only. Refer to the State Rates Section of the CLM Division Five – Fire and Allied Lines. (4) This classification applies only to risks the majority of whose employees are chiefly engaged away from premises owned, rented or controlled by the insured as (1) salespersons, canvassers or (2) employees furnished at a charge to perform services for others, namely clerical office employees, collectors, messengers, draftspersons, auditors, accountants and models. For premium computation purposes, payroll is limited to such employees only. Do not include the payroll of employees engaged principally in inside activities at the insured premises. (47367) The following types of firms shall be separately classified and rated: • Architectural • Engineering • Legal • Medical • Computer consulting • Consulting (5) In Massachusetts, use Class Code 2805 (6) Refer to Company (7) Attach Professional Liability Exclusion (8) Attach Exclusion-Products/Completed Operations Hazard CG-2104

CCIS-s.Doc


186


CRIME

Class Code

Class Code

Schools – Not-For-Profit Only

*

*

(2)

(2)


Schools – Other Than Not For Profit

*

*

(2)

(2)

(a) (b)

Schools – Colleges, Universities, Junior Colleges Or College Preparatory – NotFor-Profit Only Schools – Colleges, Universities, Junior Colleges Or College Preparatory – Other Than Not-For-Profit Schools – Correspondence

(1)

6111

(2)

(2)

(1)

Schools –Private – Elementary, Kindergarten Or Junior High – NotFor-Profit Only Schools – Private- Elementary, Kindergarten Or Junior High – Other Than Not-For-Profit Schools – Public – Elementary, Kindergarten Or Junior High

(3)

Schools – Private – High – Not-ForProfit Only

(3)

6111

Schools – Private –High – Other Than Not-For-Profit

(3)

6111

CCIS-s.Doc


Description

(1)

(3)

(3)



3 (13) (14)

25,000

3 (13) (14)

25,000

6111

2

5,000

(2)

(2)

6111

3 (11) (12)

5,000

(2)

(2)

3 (11) (12)

5,000

3 (11 (12) 3 (11 (12) 3 (11) (12)

5,000

6111

6111

6111

(a) (b) (2)

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

(a) (b) (2)

(2) (a) (b)

(2)

(2) (a) (b)

15,000

(2)

(2)

15,000

(2)

(2)

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

187

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Commercial Trade School, use Code 0921. Other, use Code 1052. (2) Refer to company (3) Commercial Trade School, use Code 0921. Other, use Code 1052.

CCIS-s.Doc


188


Description Schools – Public – High

FIRE

CRIME

Class Code

Class Code

(1)

6111


(1)

6111

0567

4240

0567

4240

1

0567

4240

1

(5)

5620

*

Septic Tank Systems – Installation, Servicing, Or Repair

(6)

2350

2

CCIS-s.Doc


Seed Merchants – Excluding Erroneous Delivery, Error In Mixture And Germination Failure Seed Merchants – Erroneous Delivery, Error In Mixture And Resulting Germination Failure Seed Merchants – Erroneous Delivery, And Error In Mixture (Excluding Germination Failure) Septic Tank Systems – Cleaning

5,000

(2)


3 (9) (10) 4 (9) (10) 1

Schools – Trade Or Vocational

15,000

GENERAL LIABILITY Premium Premises Products Base Code Code (2)

(a) (b) 15,000

(2)

(2)

s

16890 (3)

16890 (3)

(a) (b) No Animal Feed (a) (b)

5,000

s

16891 (4)

16891 (4)

No Animal Feed (a) (b)

5,000

s

16892 (8)

16892 (8)

No Animal Feed (a) (b)

p

98805

98805

(a) (b) (d1)

p

98806 (7)

98806 (7)(9) (10)(11)

5,000


189


(1) Commercial Trade School use code 0921 Other, use Code 1052 (2) Refer to company (3) Use Exclusion – Erroneous Delivery Or Mixture And Resulting Failure Of Seed To Germinate – Seed Merchants Endorsement CG 22 81. (16890) (4) Use Seed Merchants – Coverage For Erroneous Delivery Or Mixture And Resulting Failure Of Seed To Germinate Endorsement CG 24 18. (16891) (5) Contractors storage, use Code 0567 and CPP PMA S. Equipment in the open, use Code 1190 and CPP PMA S. Office, use Code 0702 and CPP PMA S or O. Vehicle storage or repair, refer to “Automobile” classifications. (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.

CCIS-s.Doc

(7) This classification includes house connections, shop and display rooms. (98806) (8) Use Seed Merchants – Coverage For Erroneous Delivery Or Mixture (Resulting Failure Of Seed To Germinate Not Included) Endorsement CG 24 19. (16892) (9) Attach Pre Existing Damage Exclusion SL-63 (10) Attach Contractors Supplemental Application NAA-110 (11) Attach Residential Projects Exclusion EAA-148


190


CRIME

Class Code

Class Code

Sewing Machines Mfg. – Commercial

(2)(3)

3330

1

15,000

s

58903

58903


Sewing Machines Mfg. – Household

(2)(3)

3636

1

15,000

s

58904

58904

(a) (b)

(1)

2350

1

5,000

p

6850

2350

1

5,000

s

Ship Chandler Stores

0567

4530

15,000

s

98884 (4) 58922 (5) 18078


Sheet Metal Work – Shop Only

98884 (4) 58922 (5) 18078

25,000

s

59005

59005

5,000

s

18109 (8) 18110

18109 (8) 18110

Description

Sheet Metal Work – Outside

Shoe, Boot Or Slipper Mfg. Shoe Repair Shops Shoe Stores

*

3160

3 (6) 2

(7)

8112

2

(9)

Shopping Centers – Blds. Or Premises Not Occupied By Insured (LRO)

*

Shopping Centers – Indoor Malls Bldgs Or Premises Not Occupied By Insured

*

Siding Installation

Sign Erection, Installation, Or Repair Sign Mfg. – Electrical Other Than Electrical

CCIS-s.Doc


(13)

4480 5310 5310 2350

2 (10) (11)

15,000

s a+ a+

5,000

p

(16)

2350

1

5,000

p

*

3395

1

5,000

s

*

3395

1

(a) (b) (d1) (a) (b) (o) (p) (a) (b)

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

(11) 1


5,000

s

67635 (12) 67634 (12) 98967 (15)(19)(20) (21) 98993 (17) 59057 (18) 59058 NOC (18)

Included (a) (b) (k) (p) (q) (r) Included 98967 (15)(19) (20)(21) 98993 (17) 59057 (18) 59058 (18)

(a) (b) (k) (p) (q) (r) Commercial Work Only (a) (b) (d1) (a) (b) (d1) (a) (b) (a) (b)


191

CenCal Insurance Services Commercial Lines Manual Classification Table (12) This classification does not apply to buildings or portions of buildings occupied by the insured for mercantile or office operations other than such premises which are incidental to the operation of the mall. For the purpose of this classification, a shopping center – indoor mall must consist of at least 5 stores with a common indoor passageway between all stores. (67634) The following shall be separately classified and rated: • Parking area • Events or exhibitions at the mall sponsored or operated by the insured Buildings or premises occupied by the insured and not incidental to the operation of the mall. (13) Contractors storage (including wood siding), 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) Contractors storage (including wood siding), 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. (15) Wood siding installation shall be separately classified and rated as “Carpentry”. (98967) (16) 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. Sign painting, use Code 0922 and CPP PMA C. Woodworking repair, use Code 3959 and CPP PMA IP. Vehicle storage or repair, refer to “Automobile” classifications. (17) This classification includes shop operations. (98993) (18) Sign erection, installation or repair shall be separately classified and rated. (59057) (59058) (19) Attach Pre Existing Damage Exclusion SL-63 (20) Attach Contractors Supplemental Application NAA-110 (21) Attach Residential Projects Exclusion EAA-148 CCIS 192 12/2003 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001

(1) 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 O or C. Vehicle storage or repair, refer to “Automobile” classifications. (2) Metal parts, use Code 6850 and CPP PMA IP. Precision parts, use Code 6900 and CPP PMA IP. Plastic parts, use Code 5500 and CPP PMA IP. (3) For sales outlets, storage buildings not on premises of manufacturer, use Code 0567 and CPP PMA M. (4) This classification includes incidental shop work. Roofing work shall be separately classified and rated. Duct work in connection with the installation of air conditioning or heating systems shall be separately classified and rated under the appropriate “Air Conditioning or Heating Installation, servicing or repair” classification. (98884) (5) This Classification does not apply to risks which do outside sheet metal work. (58922) (6) C – Rate Group 2. SBF, SBR – Rate This footnote applies to Contents, Fire. (7) Use Code 0922. Shoe shine stands, use Code 0921. (8) This classification includes shoe shining and the sale of accessories. (18109) (9) No repair, use Code 0520 and CPP PMA M. With repair, use Code 0922 and CPP PMA M or S. (10) C-Rate Group 2. SBF, SBR – Rate Grp 2, does not apply to Contents (11) Classify according to type of risk

CCIS-s.Doc


FIRE

CRIME

Class Code

Class Code

Sign Painting Or Lettering – Inside Of Buildings

(1) (2)

5419

Sign Painting Or Lettering – On Buildings Or Structures

NA

5419

Slate Splitting Or Slate Roofing Mfg.

(5)

Snow And Ice Removal – Contractor

(15)

Soap Box Derbies

N/A

7130

Social Gatherings + Meetings On Premises Not Owned Or Operated By Insured – Not-For-Profit Social Gatherings + Meetings On Premises Not Owned Or Operated By Insured – Other Than Not-For-Profit Solar Energy Contractors

N/A

8133 (14)

Description

CCIS-s.Doc

N/A

(16)

3270

8133

2350


5,000


1 (4) 1

5,000

p

5,000

s

2 (12) 1 (13)

5,000

t+

5,000

t+

* (12)

t+

*

p

99003 (3) 99004 (3) 59189 (6) (15)

99003 (3) 99004 (3) (8) 59189 (7) (15)

48441 (9) 48558 (10)

Included

48557 (10)

Included

99080 (11)

99080 (11)

Comments & Application Coding (a) (b) (d1) (a) (b) (d1) Non-Admitted Only (a) (b) (d1) Non-Admitted Only (a) (b) (d1) Non-Admitted Only (a) (b)

Included (a) (b)



193

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Contractors storage: Paint, use Code 0570 and CPP PMA C. Other equipment, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPPPMA C or O. Vehicle storage or repair, refer to “Automobile” classifications. (2) Shopwork, use Code 0922 and CPP PMA S. (3) This classification includes shop operations and the existence hazard of signs located away from the insured’s premises. For spray painting operations, a property damage deductible of $250.00 per claim applies. Use Deductible Liability Insurance Endorsement CG 03 00. This is an N.P.D. classification with “Advertising Sign Companies – outdoor” or “Sign Erection or Repair”. (99003) (99004) (4) Contents, Fire – NA. (5) Use Code 6009. For quarrying, use Code 6210. For processing or manufacturing operations not part of a building, use Code 1190. (6) This classification includes quarrying. (59189) (7) Refer to company (8) Refer to company work performed if over 3 stories (99004) (9) 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 Endorsement CG 21 01. If coverage is desired, refer to company. Soap box derbies with seating arrangements shall be referred to company.

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(10) This classification includes concerts, dances, outings, picnics and theatrical performances. Social gatherings or meetings for periods of four days or more shall be referred to company. Basis of premium is each location. (48558) (48557) (11) This classification applies to all works including heating, cooling and power generation. (99080) The following shall be separately classified and rated: • Insulation of buildings or dwelling • Sales of solar heating/energy equipment (12) Contents, Fire – NA. (13) Refer to the state Rates Section of the CLM Division Five – Fire and Allied Lines. (14) This classification applies to Offices only. (15) Refer to Company. (16) Contractors Storage, use Code 0563 and CPP PMA C or O. Equipment in the open use code aa90 and CPP PMA C. Office use code 0702 and CPP PMA C or O. Vehicle Storage or repair refer to “Automobile” classifications.


194


FIRE

CRIME

Class Code

Class Code

Sporting Goods Or Athletic Equipment Distributors

0566

4210

Sporting Goods Or Athletic Equipment Mfg.

*

3395

Sporting Goods Or Athletic Equipment Stores

0566

4510

Stationery Or Paper Products – Distributors Stationery Or Paper Products – Stores

0567

4221

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

0567

5943

1

5,000

Steel Work Or Wire Wool Mfg.

6900

3320

1

5,000

Stone Crushing

(10)

2150

Stone Cutting Or Polishing

(6)

3270

Description



18205


(4) (a) (b)

15,000

s

59306

(4)

25,000

s

18206

(4)


(a) (b) (o) (p) 5,000

5,000

(3)

(3)

s

18335

18335

s

59378

(4)

(a) (b)

(10)

(10)

(a) (b)

59482 (7) 18436 NOC 18435 NOC

59482

s

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

Stores – Food Or Drink – Not-ForProfit-Only

(9)

4451

1 (8) *

Stores – Food Or Drink – Other Than Not-For-Profit

(9)

4451

*

CCIS-s.Doc


s s

(a) (b) (d1) 18436 (a) (b) (o) (p) 18435 (a) (b) (o) (p)

195

CenCal Insurance Services Commercial Lines Manual Classification Table (1) SBF and SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (2) C – Rate Group 2. This footnote does not apply to Contents, Fire (3) Refer to “Distributors – no food or drink”. (4) Refer to company (5) Refer to theft guidelines (6) Use Code 6009. For quarrying, use Code 6210. For processing or manufacturing operations not part of a building, use Code 1190. (7) The following shall be separately classified and rated: (59482) • Quarrying • Mining • Stone cutting in quarries • Gemstone cutting or polishing

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(8) Excluding gemstone cutting or polishing. This footnote does not apply to Contents, Fire. (9) Use Code 0532 except if sole occupancy and over 15,000 sq. ft. in total floor area. Otherwise, use Code 0432. (10) Refer to Company


196


CRIME

Class Code

Class Code

Stores – No Food Or Drink – Not-ForProfit-Only

0567

4530

Stores – No Food Or Drink – OtherThan-Not-For-Profit

0567

4530

*

Street Cleaning

N/A

N/A

---

---

p+

Streets, Roads, Highways, Or Bridges – Existence And Maintenance Hazard Only Street Or Road Construction Or Reconstruction

N/A

N/A

---

---

t+

(3) (4)

2330

1

5,000

(4)

(4)

Street Or Road Paving Or Repaving, Surfacing Or Resurfacing Or Scraping

(3) (4)

2330

1

5,000

(4)

(4)

Supermarkets

(4)

4451

(4)

(4)

Surveyors – Land – Not Engaged In Actual Construction

(5)

5413

Included

Swimming Pools

No

No

---

---

---

99471 (6) (8)

Swimming Pool Servicing

(5)

5617

2

5,000

p+

99505 (9) (7) 59627

Included

Description

Syrups Or Molasses – Refining, Blending, Or Mfg.

CCIS-s.Doc

2300

3110


1

1


15,000

5,000

p+

s

18438 NOC 18437 NOC 99303 (1) 48727 (2) (4)


18438 (a) (b) (o) (p) 18437 Included Included

No

(a) (b) (o) (p) Non-Admitted Only (a) (b) (d1) Non-Admitted Only (a) (b) Non-Admitted Only (a) (b) (d1) Non-Admitted Only (a) (b) (d1) (a) (b) (o) (p)

(a) (b) See Min Premium Note (a) (b) (a) (b) (d1)

(4) (a) (b)


197

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes snow removal from streets, highways or parking lots. (99303) (2) For the purpose of this classification: • The existence hazard includes the existence of the following: Sidewalks, culverts, parking meters, traffic lights and signs, street benches and decorations, public refuse receptacles, safety Zone stanchions, light and telephone poles, trees, water hydrants, alarm boxes • The maintenance hazard includes operations such as: Ditch cleaning, dragging, dust laying, dusting, erection or removal of snow fences, road markers, signs or guard rails, maintenance of guard rails and posts, oiling, patching, planting on right-of-way, removal of brush, repair or maintenance of culvert, road marking, snow removal, spraying and fumigating, spreading of gravel, street cleaning, street or road maintenance, street or road paving or repaving, surfacing or resurfacing or scraping, tarring or sanding, tree pruning, weed or grass cutting The following shall be separately classified and rated: • New construction • Toll bridges • Drawbridges Basis of premium is each mile. (48727) (3) 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. (4) Refer to company (5) 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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(6) This classification applies to risks in the business of providing surveying services but not engaged in actual construction. Use Exclusion – Engineers, Architect Or Surveyors – Professional Liability Endorsement CG 22 43 to exclude coverage for liability arising out of the insured’s 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 operations, 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. (99471) (7) Attach Exclusion Products/Completed Operations Hazard CG2104 (8) Acceptable but only when written in conjunction with other classes (i.e. hotels, motels or apartments. Minimum premium per pool $1500, if this price cannot be done in the admitted rating, must write non-admitted only. (9) This classification applies to risks engaged in routine maintenance of swimming pools, such as cleaning filters, vacuuming and maintaining proper pH level, but not involved in any major repair work. (99505)


198


CRIME

Class Code

Class Code

Tailor Merchants – Men Or Boys

(1)

4480

*

Tailoring Or Dressmaking Establishments – Custom

(1)

4480

3

Tanning – Animal Hides

3409

3160

Taxidermists

0922

Telecommunication Equipment Mfg.

6900

Description

Telecommunication Equipment Providers Telecommunication Service Providers Telegraph Companies

CCIS-t-v.Doc

(7) (8) (7) (8) (7) (8)



18506

18506

15,000

s

2

15,000

s+

18507 (2) 59693

18507 (2) Included

7110

2

5,000

s+

49005

Included

3347

3

25,000

s

59695 (9) (10) 18575 (6) (8) 99600 (7) (8) 99614 (5) (13)

No

5135 5135 5135

3 3 2 (3)

15,000 15,000 15,000

s p+ p+

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

(a) (b) 18575 (8) Included

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

Included


(a) (b)

199

CenCal Insurance Services Commercial Lines Manual Classification Table (1) With 10 employees or less engaged in custom alterations or custom tailoring of wearing apparel after sale to customer, use Code 0520 and CPP PMA M. Over 10 employees engaged in sewing or tailoring other than above, use Code 3009 and CPP PMA IP. (2) This classification includes tailoring, clothing alteration and repair work, pressing and spot cleaning of garment. Laundry or dry cleaning stores shall be separately classified and rated. (18507) (3) For Offices, refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (4) Office, use Code 0702 and CPP PMA O or S. Vehicle storage or repair, refer to “Automobile” classifications. Also refer to “Communication Equipment” for sales, storage or repair occupancies. (5) Telephone and telegraph line construction shall be separately classified and rated. For premium computation purposes include the payroll of outside salespersons, collectors, messengers and clerical. (99614) (6) This classification applies to risks that sell, service, repair or lease telecommunication devices, apparatus and equipment of all kinds. It also applies to risks that provide consulting services for others in reference to their specific needs on telecommunication equipment. Coverage for liability because of errors or omissions arising out of the insured’s evaluation, consultation or advice provided to others is excluded. Use Exclusion – Telecommunication Equipment Or Service Providers Errors And Omissions Endorsement CG 22 91. (18575)

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(7) This classification applies to risks operating as a carrier or the supporter of telecommunication messages or information to others. The risk may be referred to as a telecommunication service vendor, aggregator, reseller, rebiller, etc. Operations include transmitting of customers’ local or long-distance calls through conventional, cable or optical wire or wireless communications, and paging, Faxing, answering or ID (identifying caller’s name or number) services. Operations also include the installation of any equipment on customers’ premises which is essential for the insured to transmit local or longdistance calls for such customers and necessary wire connections. This classification applies to such risks whether or not the insured bills its customers directly or the billing is made by means of another telecommunication carrier. Coverage for liability because of errors or omissions arising out of the insured’s evaluation, consultation or advice provided to others is excluded. Use Exclusion – Telecommunication Equipment Or Service Providers Errors And Omissions Endorsement CG 22 91. Telecommunication line construction (conventional, cable, or optical wire) or construction of relay stations, including towers or disc antennae or cell sites of all kinds for wireless telecommunication services, shall be separately classified and rated. (99600) (8) Refer to Company for quote. (9) This classification applies to risks engaged in the manufacturing of telecommunication products of all kinds including any telecommunication devices, equipment, accessories, apparatus and related parts. This classification includes installation, service or repair of telecommunication products sold to others by the insured. Leasing of such equipment either on a long term or short term basis is also included. (59695) (10) Attach – Exclusion Products/Completed Operations Hazard CG-2104


200


Description Telephone, Telegraph Or Cable Television Line Construction Teleproduction Studios Television Or Radio Receiving Set Installation Or Repair Television Picture Tube Mfg. Tent Or Canopy Mfg. Tent Or Canvas Goods – Erection, Removal Or Repair – Away From Shop Tents Or Canopies – Loaned Or Rented To Others Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing Or Silk Screening –New Goods Textile Coating Or Impregnating Textile Mfg. – Impregnated Or Coated Textile Products Mfg. – Fabricated Textile Spinning, Weaving Or Knitting Mills

CCIS-t-v.Doc

FIRE

CRIME

Class Code

Class Code

(1) (14) 0921 (14) (3)

2330 (14) 5125 (14) 8112

* 2800 (8) (14) 1190 (14) (9)

2800 (14) 2800 (14) (12) (14) 2800 (14)

3350 3140



2

15,000

p

3

15,000

p+

3 (5) 3

15,000

p

1

5320 (14) 5320

1 1

3130

(11)

15,000 15,000 5,000 15,000

s s p p s

99613 (2) (14) 99620 (6) (14) 99650 (4) 59701 (15) 59713 (7) 99709 (14) 49111 (14) 59722 (10)

(14) Included 99650 (4) No

Comments & Application Coding (a) (b) (d1) (a) (b)

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

59713 (7) (14)

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

(14) (a) (b) (14) (a) (b)

3130

(11)

s

59723

(14)

3130

(11)

s

59724

(14)

3140

(11)

s

59725

(14)

3130

(11) (14)

s

59726 (13) (14)

(14)


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

201

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Constructors 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. (2) This is an N.P.D. classification with “Telephone or Telegraph Companies”, “Telecommunication Service Providers” and “Cable or Subscription Television Companies”. (99613) (3) Use Code 0922 and CPP PMA S for repair only. Also refer to “Communication Equipment”. (4) This classification includes the erection of antennas. (99650) (5) SBF and SBR – Service – Rate Group 2. This footnote does not apply to Contents, Fire. (6) This classification applies only to post production film to tape transfers, including video editing, computer graphics an character generation and broadcast standards conversion processing. (99620) This classification does not apply to: • Motion picture production operations performed prior to the film to tape transfer. Such operations shall be classified and rated as “Motion Pictures – production – studios or outside – all operations prior to the development of negatives” • Development of negatives. Such operations shall be classified and rated as “Motion Pictures – development of negatives, printing and all subsequent operations” • Film distribution or exchange. Such operations shall be classified and rated as “Motion Pictures – film distribution or exchanges – not located at motion picture studios”

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(7) The following shall be separately classified and rated: (59713) • The manufacturing of recreational or camping tents as “Sporting Goods or Athletic Equipment Mfg.”. • Tents or canopy erection, repair or removal (8) Contractors storage, use Code 0567 and CPP PMA S. Equipment in the open, use Code 1190 and CPP PMA S. Office, use Code 0702 and CPP PMA O or S. Vehicle storage or repair, refer to “Automobile” classifications. (9) Printing and silk screening, use Code 4809 and CPP PMA S. Bleaching and dyeing, use Code 0911 and CPP PMA S. (10) Cleaning or dyeing of garments shall be separately classified and rated. (59722) (11) Classify by type of fiber. (12) Wearing apparel, use Code 3009. Other, use Code 2800. (13) This classification includes incidental bleaching, dyeing, mercerizing or finishing. (59726) (14) Refer to Company for quote (15) Attach Exclusion Products/Completed Operations Hazard CG2104


202


Description Theaters – Not-For-Profit Only

FIRE

CRIME

Class Code

Class Code

(1)

7110


Tile, Stone, Marble, Mosaic Or Terrazzo Work – Interior Construction

(11)

1700

2 (2) 2 (2) 1 (2) 1 (2) * (9) 1 (2) (7) 2

Tire Dealers

(13)

4413

4

Theaters – Other Than Not-For-Profit Only

(1)

7110

Theaters – Drive-In

(3)

5125

Theaters – Motion Pictures Theatrical Companies – Traveling Ticket Agencies

CCIS-t-v.Doc

(1) NA 0702

5125 No 7922


15,000

m+

5,000

p

25,000

s

15,000

m+

15,000

m+

15,000

m+

49185 NOC 49184 NOC 49181 (4) 49183


Included (a) (b) (p) (q) Included (a) (b) (p) (q) Included (a) (b) (p) (q) Included (a) (b) (p) (q)

p+ 5,000

a+

99718 (5) 68439 (8) 99746 (12)(17)(18) (19) 18616 (14) (15)

Included (a) (b) Included 99746 (12)(17) (18)(19) (16)


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

203

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Use Code 0832. If motion pictures or television studios, use Code 0831. (2) C – Rate Group 4 SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (3) Use Code 0833 and CPP PMA S. This classification includes projection booths, speakers and screens. Other buildings and structures to be classified according to occupancy. (4) The following shall be separately classified and rated: • Amusement devices • Refreshment stands Where admission is charged “per car” and records are not available of the actual number of persons admitted, for premium computation purposes the number of cars shall be multiplied by 2.5 to obtain the number of admissions. (49181) (5) Operation at premises owned, leased or controlled by the insured or where the insured supervises seating arrangements or supplies ushers, ticket takers or ticket sellers, shall be separately classified and rated as “Theaters”. For premium computation purposes include the payroll of producers, musicians, entertainers and all other employees. (99718) (6) Refer to Businessowners Office rates of CLM Division Nine – Multiple Line – Businessowners Policy Subdivision. (7) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP.

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(8) This classification only applies to ticket agencies primarily selling tickets for sports and entertainment events. Travel ticket sales agencies shall be separately classified and rated. (68439) (9) Contents, Fire – NA. (10) This classification includes preserving operations. (59738) (11) Contractors storage, use Code 0567 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Equipment in the open, use Code 1190 and CPP PMA C. Sales outlets, use Code 0567 and CPP PMA M. Vehicle storage or repair, refer to “Automobile” classifications. (12) This classification includes incidental exterior work. Exterior construction work shall be separately classified and rated as “Masonry”. (99746) (13) Sales or storage, use Code 0512 and CPP PMA M. Tire changing, wheel alignment, use Code 0932 and CPP PMA S. (14) This classification includes repairing, vulcanizing and adjustment of tires to vehicles away from the premises of the insured. Coverage is included for the operation of automobiles on premises owned by, rented to or controlled by the named insured or the ways immediately adjoining, if such automobiles are not owned, rented or loaned to the named insured. Use Operation Of Customers Autos On Particular Premises Endorsement CG 22 68. (18616) (15) Retreading or recapping of aircraft tires shall be separately classified and rated. (49239) (16) Refer to company. (17) Attach Pre Existing Damages Exclusion SL-63 (18) Attach Contractors Supplemental Application NAA-110 (19) Attach Residential Projects Exclusion EAA-148


204


CRIME

Class Code

Class Code

Tobacco Products Stores

0567

4530

Tool Mfg. – Accessories

(8)

Tool Mfg. – Hand Type – Not Powered

Description



25,000

s

3330

4 (15) (1) 4

15,000

s

(8)

3320

2

15,000

s

Tool Mfg. – Hand Type – Powered

(8)

3330

3

25,000

s

Tool Mfg. – Power Equipment – Household Type – Outdoor Or Workshop

(8)

3330

3

25,000

s

CCIS-t-v.Doc

18708 (14) 59781 NOC (9) (10) (13) 59782 (10) (13) 59783 (10) (13) 59784 (10) (11) (13)

No (13)

(13) (13) (13)


Comments & Application Coding Pers Prop-Basic Form Only (a) (b) (o) (p) Non-Admitted Only (a) (b) (u) Non-Admitted Only (a) (b) (u) Non-Admitted Only (a) (b) Non-Admitted Only (a) (b)

205

CenCal Insurance Services Commercial Lines Manual Classification Table (1) C – Rate Group 2. SBF, SBR – Dealers – Rate Group 2. This footnote does not apply to Contents, Fire. (2) Unprocessed tobacco in cases or hogsheads exclusively, use Code 1501. Sales warehouses and rehandling or sorting with no drying or with drying other than by natural air method, use Code 1502. Warehouses other than above, use Code 1501. (3) Auction sales warehouses shall be separately classified and rated. (99760) (4) Basis of premium is per 1,000 vehicles crossing the toll bridge regardless of direction. (49292) (5) C – Rate Group 2. This footnote does not apply to Contents, Fire. (6) Not finished products. This footnote does not apply to Contents, Fire.

CCIS-t-v.Doc

(7) Contents, Fire – NA. (8) Use Code 6850 except for precision parts and plastic parts manufacturing. Precision parts manufacturing, use Code 6900. Plastic parts manufacturing, use Code 5500. (9) This classification applies to the manufacturing of dies, drill bits, fixture jigs, reamers, taps, etc. (59781) (10) This classification includes forging, trimming and machining. (59781) (59782) (59783) (59784) (11) Power Tool manufacturing not household type or hand type shall be separately classified and rated as “Machinery or Machinery Parts Mfg.”. (59784) (12) 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. (13) Refer to Company (14) Attach Exclusion Products/Completed Operations Hazard CG-2104 (15) Refer to theft guidelines


206


CRIME

Class Code

Class Code 8139

Toy Distributors

(1) (15) 0567

Toy Stores

Description Townhouses Or Similar Associations (Association Risk Only)


4210

3 (3) 4

50,000

0567

4510

4

Toys Or Games Mfg.

*

3395

4

Travel Agency Tours

(6) (15) (8)

5615

*

Tree Pruning, Dusting, Spraying, Repairing, Trimming Or Fumigating Truckers

CCIS-t-v.Doc

NA

5617

No

2

* (13)

GENERAL LIABILITY Premium Premises Products Base Code Code u+


s

61500 (2) (15) (16) 18833

(15)

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

25,000

s

18834

(15)

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

15,000

s

59790 (4) 49333 (7) (15) 99777 (12) (16) (17) 99793 (10) (18) (19)

(15)


t+ 5,000

p+

p+

(15)

(15) (5) (a) (b) Included (a) (b) (d1) (15)


(a) (b)

207

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Refer to “Apartments”. (2) This classification applies to risks that meet the following qualifications: (a) The individual owners own a fee simple title to the unit, including the inside walls, outside walls and the land on which his or her unit sits. (b) The individual owner generally has an undivided interest in the common element of the project along with other unit owners. Common elements would include parking areas, recreational facilities, etc., but would not include the land on which each individual unit sits or the outer perimeter walls and common walls of each individual unit (c) The individual owner is generally responsible for repair and maintenance of the unit, both interior and exterior including the roof. The following shall be separately classified and rated: • Swimming pools • Bathing beaches • Indoor parking This classification does not apply to condominium associations. Additional Insured, Use Additional Insured – Townhouse Associations Endorsement CG 20 17. (68500) (3) Excluding restaurant or drugstore operations, wines or liquors, use Rate Group 1, Class Limit $5,000. (4) This classification includes the manufacturing of dolls. Electronic games shall be separately classified and rated. (59790) (5) The following shall be separately classified and rated: (59798) • Campers manufacturing • Camper bodies or trailers manufacturing • Mobile homes manufacturing (6) Travel Agency, use Code 0702 and CPP PMA O.

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(7) This classification applies to travel agencies which organize tours. Travel Agencies shall be separately classified and rated as “Buildings or Premises – bank or office”. Worldwide coverage is excluded. Use Amendment – Travel Agency Tours (Limitation Of Coverage) Endorsement CG 22 28. Basis of premium is per 1,000 passenger days. (49333) (8) Contractors storage, primarily chemicals, use Code 0570 and CPP PMA S. Other storage, use Code 0567 and CPP PMA S. Equipment in the open, use Code 1190 and CPP PMA S. Office, use Code 0702 and CPP PMA O or S. Vehicle storage or repair, refer to “Automobile” classifications. (9) This classification applies only to manufacturing or assembling of entire vehicles or major customizing. (59806) (10) Storage warehouse operations shall be separately classified and rated. For premium computation purposes include the payroll of terminal employees and garage or repair persons. The payroll of employees engaged in collection and delivery of merchandise on foot shall not be used in computing the premium. (99793) (11) This classification applies to all operations except blasting. Subway construction shall be separately classified and rated. (99798) (12) This classification includes stump grinding and removal. Coverage is included for herbicide/pesticide operations. Use Pesticide Or Herbicide Applicator Coverage Endorsement CG 22 64. (99777) (13) Contents, Fire – NA. (14) 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. (15) Refer to company (16) Exclude D&O Professional Liability (17) Exclude Dusting, Spraying or Fumigating. Do not attach CG2264. (18) Attach Contractual Limitation Endorsement (19) Attach Total Auto Exclusion (20) Attach Exclusion Products/Completed Operations Hazard CG2104


208


CRIME

Class Code

Class Code

*

3395

1

5,000

s

59889

59889


Upholstering

3009

8112

2

5,000

p

99826

(a) (b)

Upholstering – Shop Only

3009

8112

2

5,000

p

99827

(a) (b)

1180 (8) (9) (10) (11) (12) 1180 (8) (9) (12) (11) (12) (13) (14) 1180 (9) (10) (11) (12) (13) (14) NA

N/A

N/A

a+

99826 NOC 99827 (1) 68604 (2) (11)

N/A

N/A

a+

N/A

N/A

N/A

Vacant Land – Other Than NotFor-Profit

NA

Variety Stores – Not-For-Profit Only

Description Umbrella Or Cane Mfg.

Vacant Buildings – Factories



Included

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

68604 (2) (11)

Included


a+

68606 (2) (11)

Included


N/A

t+

Included

(a) (b)

N/A

N/A

t+

Included

(a) (b)

0567

4520

Variety Stores – Other Than Not-For-Profit

0567

4520

Vegetable Oil Mfg.

2250 (15)

2 (5) (7) 2 (5) (7) 1 (6)

49452 (3) 49451 (3) 18912 (4) 18911 (4) 59905 NOC (15)

Vacant Buildings – Not Factories – Not-For-Profit Only

Vacant Buildings – Not Factories – Other Than NotFor-Profit Vacant Land – Not-For-Profit Only

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3110 (15)

15,000

s

15,000

s

15,000

s

18912 (a) (b) (o) (p) 18911 (a) (b) (o) (p) (17)


(a) (b) 209

CenCal Insurance Services Commercial Lines Manual Classification Table (1) This classification includes incidental furniture refinishing or repairing. (99827) (2) This classification applies to buildings which are entirely vacant (with or without occupancy by caretakers). It also applies to that portion of partially vacant buildings above the second floor level, provided that (1) all floors above the grade floor are vacant and (2) if there are any elevators in such buildings, all hoistway entrances above the second floor level are locked in such a manner as to deny access to floor landings. (68604) (68607) (68606) (3) This classification applies solely to the existence and maintenance of property exclusive of buildings. Property which is actively being developed shall be classified and rated as “Real Estate Development Property”. The following shall be also separately classified and rated: • Vacant land used by persons other than the insured for business purposes • Hunting preserves Basis of premium is each acre. (49452) (49451) (4) This classification is applicable to store locations which sell a variety of small wares such as stationery, giftware, toilet articles, light hardware, toys, housewares, confectionery, ready-to-wear clothing and accessories, etc. Sales are usually for cash without delivery services. Stores are sometimes distinguished by advertising price ranges of “54 to 104” or 54 to $1”. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. Department or discount stores shall be separately classified and rated. (18912) (18911) (5) C – Rate Group 4. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

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(6) E and H – Excluding essential oils. This footnote does not apply to Contents, Fire. (7) This classification is applicable to store locations which sell a variety of small wares such as stationery, giftware, toilet articles, light hardware, toys, housewares, confectionery, ready-to-wear clothing and accessories, etc. This footnote does not apply to Contents, Fire. (8) Maximum property limit: $350,000. No contents. (9) Minimum monthly property rate .15/100 (10) Minimum policy premium = $500 (11) Six month maximum term (12) Premises must be properly secured, adequately maintained. (13) Vacant dwelling owned by financial institutions, estates and trust are acceptable (14) Maximum property limit $150,000 (15) Refer to Company


210


CRIME

Class Code

Class Code

Vegetable Oil Mfg. – By Solvent Extraction

(7)

3110

Vending Machine Operations

(1)

Vending Machine Operations – Confection, Food, Beverage Or Ice

Description




15,000

s

59904

59904

4540

1 (8) 2

15,000

s

49619

(1)

4540

4

15,000

s

6900

3330

2

15,000

s

49619 NOC (5) 49617 (5) 59915

59915

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

Venetian Blinds Mfg. Or Assembling

*

3370

2

15,000

s

59917

59917

(a) (b)

Veterinarian Or Veterinary Hospitals

(2)

5419

3 (4) 3

25,000

p+

99851 (3) (10) 18920

No

Vending Machines Mfg.

Video Stores

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0570

5320

15,000

s

No Crime on ATM’s (a) (b)

49617

18920


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

211

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Sales with or without storage, no repair, use Code 0563 and CPP PMA M. Repair, with or without sales or storage, use Code 0922 and CPP PMA S. Machines in the open, use Code 1190 and CPP PMA S. (2) Hospitals or Offices with no stabling or commercial boarding kennels in the building: Govt., use Code 0701 and CPP PMA 1. Other, use Code 0702 and CPP PMA O or S. Stabling or commercial boarding kennels in the building with or without hospital or office, use Code 0921 and CPP PMA S. (3) Professional services are excluded. Use Exclusion – Professional Veterinarian Services Endorsement CG 21 58. (4) E and H – Including narcotics. If no narcotics Rate Group 2, Class Limit $5,000. This footnote does not apply to Contents, Fire. (5) This classification applies to the ownership, maintenance and operation of vending machines located away from the insured’s premises. (49617) (49618) (49619)

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(6) This classification applies to stores which primarily rent video tapes, disks or electronic game cartridges. (18920) This classification also includes the incidental sales of : • New and used tapes, disks or game cartridges • Prepackaged computer software • Video equipment • Packaged food or drinks and novelty items, such as collector cards, posters, magazines and tee-shirts The following shall be separately classified and rated: • Sales of electronic equipment, other than video equipment, and computer • Installation, service or repair of video or electronic equipment (7) 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. (8) E and H – Excluding essential oils. This footnote does not apply to Contents, Fire. (9) Veterinarians Offices only. Use Class Code 65721, Refer to Businessowners Office rates of Division Nine – Multiple Line – Businessowners Policy Subdivision. (10) Attach exclusion Products/Completed Operation Hazard CG2104


212


CRIME

Class Code

Class Code

(1) (14) (3) (14)

(14) 4930 (14) 4930

2

(14) (5) (6)

(14) 4930

*

(14) (5) (6) (14) (5) (6) (14) (5) (6)

(14) 5310 (14) 5310 (14) 4930

*

Warehouses – Private – Not-ForProfit Only

(14) (12)

* 4930

a+

Warehouses – Private – Other ThanNot-For-Profit

(14) (12)

* 4930

a+

*

5123

Description Warehouse – Cold Individual Storage Lockers Warehouse – Cold Storage Public

Warehouses

Warehouses – Occupied By Multiple Interests (Lessors Risk Only) Warehouses - Occupied By Single Interest (Lessors Risk Only) Warehouses – Mini-Warehouse

Washing Machines – Dryers Or Ironers – Coin Meter Type

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2

5,000 5,000

1

s+ p+

p+

a+

* 2 (9)


a+ 5,000

15,000

s+

s+

49763 (2) (15) (16) 99917 (14) (15) (16) 99938 NOC (7) (15) (16) 68702 (8) (15) (16) 68703 (15) (16) 18991 (2) (9) (15) (16) 68707 (10) (15) (16) 68706 (10) (15) (16) 19007 (13)


No (a) (b) No (a) (b) No (a) (b) No (a) (b) (k) (p) (q) No (a) (b) (k) (p) (q) No (a) (b) No (a) (b) No (a) (b) Included


(a) (b)

213

CenCal Insurance Services Commercial Lines Manual Classification Table (1) If sole occupant and over 15,000 sq. ft., use Code 0432 and CPP PMA M. Otherwise, use Code 0532 and CPP PMA M. Also refer to “Warehouses”. (2) Property entrusted to the insured is excluded. Use Exclusion – Property Entrusted Endorsement CG 22 29. (49763) (18991) (3) Use Code 1230 and CPP PMA M or S. Also refer to “Warehouses – private”. (4) Portions of premises used for individual cold storage lockers shall be separately classified and rated. (99917) (5) On the premises of manufacturing occupancies, code the same as main building and use CPP PMA IP, except Whiskey and Liquor Warehouses in connection with Distilleries, use Code 1450 and CPP PMA M. (6) Public Warehouses (occupancies used for the storage of general merchandise where the warehouseman acts as bailee for the general public), code as follows: (a) Cold storage, use Code 1230 and CPP PMA M or S. (b) Warehouses with household furniture but with no storage of fibers, oils, petroleum products, rags, fireworks, matches or explosives, use Code 1220 and CPP PMA M or S. (c) Freight terminals, freight depots, including airport, railroad, truck, transfer stations, etc., use Code 1211 and CPP PMA M or S. (d) Mini-warehousing of personal property, use Code 1213 and CPP PMA M or S. (e) Public Warehousing other than above, use Code 1212 and CPP PMA M or S. (f) Storage – buildings not mentioned above, classify according to merchandise stored.

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(7) This classification includes packing or handling household goods away from insured’s premises. (99938) The following shall be separately classified and rated: • Private warehouse • Cold storage warehouses (8) This classification applies to buildings occupied entirely by interests other than the insured for warehousing purposes exclusively or to premises leased to others in buildings occupied exclusively for warehousing purposes by the insured and others. (68702) (9) This classification applies to warehouse operators leasing individual storage compartments within a building. This footnote does not apply to Contents, Fire. (18991) (10) This classification applies to buildings or premises used exclusively for storage purposes by the insured. Private warehouse buildings or premises other than wharf and waterfront property whether or not located on the insured’s premises must be assigned to the applicable governing classification if the governing classification is rated on a payroll or gross sales basis. (68707) (68706) (11) If eligible, use Class Code and Rate Number of principal occupancy. (12) See appropriate classification according to the type or character of the material stored or the associated occupancy. (13) This classification applies to the ownership, maintenance and operation of washing machines located away from the insured premises. Property damage coverage excludes injury or destruction of laundry. Use Exclusion – Laundry And Dry Cleaning Damage Endorsement CG 22 53. Self-service laundries shall be separately classified and rated. (19007) (14) Refer to company (15) Exclude storage of hazardous materials (16) Attach - Exclusion Products/Completed Operation Hazard CG2104


214


CRIME

Class Code

Class Code

Watch Or Watch Case Mfg.

(3)

3347

Water Bottling - In Siphons

2350

Water Bottling – Spring Or Well – Not Sparkling Or Carbonated Water Bottling – Spring Or Well Sparkling Or Carbonated Water Companies

Description




25,000

s

59923

59923

3121

4 (4) 1

15,000

s

59925

(16)

(a) (b)

2350

3121

1

15,000

s

59926

(16)

(a) (b)

2350

3121

1

15,000

s

59927

(16)

(a) (b)

(16)

(16)

(16)

(a) (b)

Water Mains Or Connections Construction Water Softening Equipment Installation, Servicing Or Repair

(16)

(16)

(16)

(a) (b) (d1)

99948

Water Softening Equipment Rented To Others

(14)

Waterproofing

(16) (10)

99948 (13) 19051 (15) (16)(17)(18) (19) 99955 NOC (16)(17)(18) (19) 99952 (16)(17)(18) (19) 99953

(12)

5617 * 5320 2350

1

5,000

s+ 1

5,000

Waterproofing – By Pressure Apparatus

(16) (10)

2350

1

5,000

Waterproofing – By Trowel – Exterior

(16) (10)

2350

1

5,000

CCIS-w-z.Doc

p

(a) (b) Included (16)(17) (18)(19)


(16)(17) (18)(19)


(16)(17) (18)(19)



215

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Use Code 1400 and CPP PMA M or S. Also refer to “Junk Dealers”, “Recycling Collection Centers” and “Sewage Treatment Plants”. (2) Classify by type of materials. (3) Use Code 6900 for watches only. Classify watch cases according to material used. (4) E, H – Watches, including cases, and movements. Include importers and distributors. Dealers and Stores, see jewelry. This footnote does not apply to Contents, Fire. (5) Use Code 0701 and CPP PMA 1 for office only. Classify other buildings according to occupancy. Also refer to “Water Treatment Plants”. (6) Refer to Businessowners Office rates of CLM Division Nine – Multiple Lines – Businessowners Policy Subdivision. (7) This classification includes maintenance of water mains or connections. This classification excludes injury or damage resulting from a failure to supply. Use Exclusion – Failure To Supply Endorsement CG 22 50. The following shall be separately classified and rated: • Existence hazard of dams, reservoirs, dikes and levees • Installation, servicing or repair of appliance • Construction of aqueducts, buildings, dams and reservoirs • Store operations • Fixtures or appliances rented to others For premium computation purposes include the payroll of outside salespersons, collectors and meter readers. (99943) (8) Refer to State Rates Section of CLM Division Five – Fire and Allied Lines for Fire and CPP. (9) Contents, Fire – NA.

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(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 is an N.P.D. classification with “Water Companies”. All tunneling other than at street crossings shall be separately classified and rated. (99946) (12) Sales and/or storage, no repair, use Code 0567 and CPP PMA M. Repair, with or without sales or storage, use Code 0922 and CPP PMA S. Vehicle storage or repair, refer to “Automobile” classifications. (13) This classification includes: (99948) • Incidental plumbing • Sales of water softening equipment to be used in connection with the insured’s installation, service or repair operations The following shall be separately classified and rated: • Sales of water softening chemicals • Sales of Water Softening Equipment which is not to be used in connection with the insured’s installation, service or repair operations, as Plumbing Supplies and Fixtures Dealers and Distributors (14) Contractors storage, use Code 0567 and CPP PMA S. Equipment in the open, use Code 1190 and CPP PMA S. Office, Use Code 0702 and CPP PMA O or S. Vehicle storage or repair, refer to “Automobile” classifications. (15) Installation, servicing or repair shall be separately classified and rated. (19051) (16) Refer to company (17) Attach Pre Existing Damages Exclusion SL-63 (18) Attach Contractors Supplemental Application NAA-110 (19) Attach Residential Projects Exclusion EAA-148


216


CRIME

Class Code

Class Code

Waterproofing – By Trowel – Interior Or Insulation Work

(1l) (1)

2350

1

5,000

p

Wax Or Wax Products Mfg.

5050

3250

5,000

s

Wax, Wax Products, Or Polish Mfg. – Floor

5050

3250

1 (4) 1

15,000

s

Description

Welding Or Cutting

CCIS-w-z.Doc


GENERAL LIABILITY Premium Premises Products Base Code Code (11)(12)(13) (14) 99954 59931 NOC (4) 59932

(11)(12) (13)(14)


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

(6)

2350

2

15,000

p

99969 (7)

(11)


(a) (b) (d1)

217

CenCal Insurance Services Commercial Lines Manual Classification Table (1) 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. (2) “Water Treatment Plants”, pumping stations, water tanks and auxiliary building, use Code 1070 and CPP PMA 1. Water life pumps – enclosed (not in buildings) or open, use Code 1190 and CPP PMA*. (3) Refer to “Water Companies” classification. (4) This classification includes shoe, stove, harness, furniture, automobile or metal wax, polish or dressing. Candle manufacturing shall be separately classified and rated. (59931) (5) This classification includes mending or repacking of damaged containers. Warehouse operations shall be separately classified and rated. (99963) (6) Welding shops, use Code 6850 and CPP PMA IP or S. Contractors equipment storage, use Code 0567 and CPP PMA C (including incidental welding). 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) This is an N.P.D. classification except for the following: (99969) • Work under air pressure shall be separately classified and rated as “Caisson Work” • Work in connection with demolition jobs shall be separately classified and rated as “Wrecking” • Work in connection with the erection of iron or steel frame structures or bridges shall be separately classified and rated (8) Use Code 1200 and CPP PMA M or S. Docks – Commercial marinas, use Code 1190 and CPP PMA S. (9) Stevedoring, freight handling and work not directly involved in the operation of the premises as wharf and waterfront property, performed by or for the insured, shall be separately classified and rated. For premium computation purposes, area includes the entire area of the premises used for purposes of offices, receiving and shipping baggage and freight or accommodating passengers. Other areas shall be separately classified and rated. (49800) (49802) (49801) (49803) (10) The following shall be separately classified and rated: (59941) • Automobile wheels • Aircraft wheels • Railroad wheels (11) Refer to company (12) Attach Pre Existing Damages Exclusion SL-63 (13) Attach Contractors Supplemental Application NAA-110 (14) Attach Residential Projects Exclusion EAA-148


218


CRIME

Class Code

Class Code

Wicker, Rattan, Willow Or Twisted Fiber Products Mfg.

(1)

3370

2

15,000

s

Wigs Or Hair Pieces Mfg.

(3)

3395

3

15,000

s

Window Cleaning

5617

1

5,000

p+

Window Decorating

(5) (14) (6)

Wine Mfg. – Sparkling

2459

* 5617 3121

Wine Mfg. – Still

2459

3121

Wire Cloth Mfg.

6850

3310

2 (7) 2 (7) (8)

Wire Drawing

6850

3320

Wire Goods Mfg.

6850

3320

Wire Rope Or Cable Mfg. Metal

(13)

3320

Description

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GENERAL LIABILITY Premium Premises Products Base Code Code 59947 (2) 59955

(13)


(13)

(a) (b)

Included

(a) (b) (d1)

s+

99975 (14) 49840

(a) (b) (d1)

25,000

s

59963

Included 49840 (13)

(a) (b)

25,000

s

59964

(13)

(a) (b)

s

59970

(13)

(a) (b)

(8)

s

(13)

(a) (b)

(8)

s

59973 (9) 59975 NOC (13)

(13)

(a) (b)

No

(a) (b)


219

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Manufacturing, use Code 3959 and CPP PMA IP. Sales outlets, use Code 0567 and CPP PMA M. (2) This classification includes upholstering. (59947) (3) Manufacturing, use Code 2800 and CPP PMA IP. Sales outlets, use Code 0570 and CPP PMA M. (4) Wigs, retail, use Class Code 59993, Rate Number 3, Rate Group 4. (5) 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. (6) Sales and/or storage, use Code 0567 and CPP PMA M. Office, use Code 0702 and CPP PMA M or O.

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(7) C – Rate Group 2. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire. (8) Refer to “Metal Goods Mfg.”. (9) Wire rope or cable manufacturing shall be separately classified and rated. (59973) (10) This classification includes wire drawing. Electrical cable manufacturing shall be separately classified and rated. (59977) (11) This classification includes yard or incidental woodworking operations. Saw or planing mills shall be separately classified and rated. (59984) (12) Excluding Electrical wire and cable. This footnote does not apply to Contents, Fire. (13) Refer to company (14) Refer to company if over 3 stories


220


CRIME

Class Code

Class Code

Wood Products Mfg.

(8)

3210

(8)

(8)


Wood Turned Products Mfg.

(8)

3210

(8)

(8)

(a) (b)

2800

3130

59989

(8)

(a) (b)

Description

Wool Pulling

CCIS-w-z.Doc


1

5,000


s


221

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Charcoal manufacturing, use Code 5000 and CPP PMA IP. Excelsior mills, use Code 3809 and CPP PMA IP. Plywood, laminated wood, veneer manufacturing, wood floor mills and wood preserving plants, use Code 3809 and CPP PMA IP. Other “Wood Products Mfg. – NOC”, use Code 3959 and CPP PMA IP. Storage buildings on premises, code the same as the manufacturer and CPP PMA IP. (2) Wood products NOC – Retail, use Code 50943, Rate number 4, Rate Group 1. (3) This classification includes woodenware. (59986)

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(4) 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. See also “Junk Dealers” and “Recycling Collection Centers”. (5) The sale of salvaged merchandise shall be separately classified and rated. This footnote does not apply to Contents, Fire. (99986) (99987) (99988) (6) For premium computation purposes include the payroll of clerical at the site of wrecking and salespersons. (99986) (7) This classification includes salvage operations. (99988) (8) Refer to company


222


Description

FIRE

CRIME

Class Code

Class Code




THERE ARE NO “X” CLASSIFICATIONS AT THIS TIME.

CCIS-w-z.Doc


223


CRIME

Description

Class Code

Class Code

YMCA, YWCA Or Similar Institutions

0844

8133

Youth Recreation Programs – Not-ForProfit-Only

0844

7130

Youth Recreation Programs – OtherThan-Not-For-Profit

0844

7130

CCIS-w-z.Doc

CRIME AND CONTENTS, FIRE Rate Class Group Limit 3 (5) 3 (5) (7) 3 (5) (7)


5,000

(8)

(8)

5,000

(8)

(8)

5,000

(8)

(8)


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

224

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Building Supply Yards, Lumber Yards, Coal Yards, use Code 1650 and CPP PMA M or S. Mill Yards, use Code 1700 and CPP PMA IP. Cotton and Cotton Seed Storage Yards, use Code 1300 and CPP PMA M or S. Waste and Reclaiming Material Yards, use Code 1400 and CPP PMA M or S. Other Yard Storage including property in the open, use Code 1190 and CPP PMA*. (2) Included in the governing classification. (3) Classify according to type of material. (4) Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (49870) The following shall be separately classified and rated: • Athletic games away from insured’s premises • Amusement devices • Camps • Restaurants

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(5) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (6) Athletic Programs – amateur shall be separately classified and rated. Basis of premium is each registrant. (49891) (49890) (7) Excluding narcotics. Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (8) Refer to company


225


CRIME

Class Code

Class Code

Zoos – Not-For-Profit-Only

(1)

7120

Zoos – Other Than Not-For-Profit

(1)

7120

Description

CCIS-w-z.Doc

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


15,000

t+

(5)

Included


15,000

t+

(5)

Included

(a) (b)


226

CenCal Insurance Services Commercial Lines Manual Classification Table (1) Use Code 0844 and CPP PMA S. Animal shelters and other buildings to be classified according to occupancy. (2) The following shall be separately classified and rated: • Amusement devices • Restaurants Basis of premium is each zoo. (49903) (49902)

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(3) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire. (4) Excluding narcotics. Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire. (5) Refer to company


227

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