Manufacturers
Eligible classes:
Audio and video equipment manufacturing
No alarm or security systems.
Bakeries - commercial
Bakery products
Ball and roller bearings
Bookbinding
Bottled water manufacturing
Bras, girdles, and allied garments
Burial caskets
Candy and other confectionery products
Cane sugar refining
Carpet and rugs
Chocolate and cocoa products
Coated fabrics, not rubberized
Computer manufacturing
Includes PC's, laptops, workstations, and serves. No mainframes or software development. No
E&O coverage available.
Computer peripheral equipment manufacturing
No E&O coverage available.
Computer storage device manufacturing
No E&O coverage available.
Computer terminal manufacturing
No E&O coverage available.
Cordage and twine
Corrugated and solid fiber boxes
Cutlery and flatware (except precious) manufacturing
Dairy products
Dried and dehydrated food manufacturing
No baby food.
Dry pasta manufacturing
Fabricated rubber products
Fastener, button, needle and pin manufacturing
No precious metals, or precious/semi-precious stones and gems
Fiber cans, drums and similar parts
Flour and other grain mill products
Folding paperboard boxes
Food preparations
Footwear cut stock
Footwear, excluding rubber
Fur goods
Furniture (metal household) manufacturing
No children's furniture
Girls and children's outerwear
Greeting cards - manufacturers
Handbags and purses
Assembly of pre-molded pieces only. No plastic manufacturing.
Hats, caps and millinery
Hosiery
Household furniture
Kitchen utensil, pot and pan manufacturing
Leather and sheep-lined clothing
Leather goods (personal) manufacturing
Not for women's handbags and purses. No tanning.
Leather gloves and mittens
Lessor's Risk only - non-residential buildings
Except mini warehouses.
Light bulb manufacturing
Lighting fixture manufacturing
Luggage manufacturing
Assembly of pre-molded pieces only. No plastic manufacturing.
Machine shops
All products to customer specifications with customer sign-off. No industrial, automotive,
aircraft/aerospace, or other transportation-critical parts.
Mechanical rubber goods
Men's and boys' furnishings
Men's and boys' suits and coats
Metal cans
Metal container (light gauge) manufacturing
No aerosol cans.
Mental doors, sash and trim
Metal foil and leaf manufacturing
Metal forgings and stampings
Metal goods manufacturing - stamping
Includes unfinished metal stampings and spinning unfinished metal products. Excludes crowns,
cans, closures, coins, automotive, and aircraft/aerospace.
Metal household furniture
Metal pattern/plate work manufacturing
Excludes boiler plates and electrical plates.
Metal sanitary ware
Metal springs (light gauge) wire good manufacturing
Metal work - decorative or artistic
Misc. apparel and accessories
Misc. converted paper products
Misc. fabricated textile products
Misc. fabricated wire products
Nail or spike manufacturing
Nailed wood boxes and shook
Netting made on net machines
Manufacturing of nets or netting made from purchased materials. Includes fishing nets, sports nets
and tennis nets. No safety nets.
Nonferrous wiredrawing and insulating
Nuts and bolts manufacturing
No aircraft, aerospace or transportation products.
Office furniture, excluding wood
Office machinery manufacturing
Not for computers or photocopiers.
Optical instruments and lens manufacturing
No medical, aircraft, aerospace or satellite products.
Pens and mechanical pencil manufacturing
Plastic plumbing products
Plumbing fixture fittings and trim
No industrial, sprinkler or boiler parts.
Potato chips and similar snacks
Prepared flour mixes and doughs
Preserved fruit and vegetables
Printed circuit assembly
Public building and related furniture
Radio, TV broadcasting and wireless communication equipment manufacturing
No navigational, search or guidance control equipment. No towers, antenna, satellite, or alarm
equipment. No installation.
Rubber and plastics footwear
Screw machine products, bolts
Setup paperboard boxes
Sewing machine manufacturing
No industrial or commercial grade machines.
Sheet metal work
No installation.
Sign (electric) manufacturing
No installation.
Special dies, tools, jigs and fixtures
Stamp and marketing device manufacturing
Includes hand-operated stamps, embossing stamps and stencils. Inks must be water-based.
Steel springs, except wire
Telephone apparatus manufacturing
Textile goods
Tire cord and fabrics
Tool and die manufacturing
Umbrella manufacturing
Unsupported plastics film and sheet
Upholstered household furniture
Watch, clock and parts manufacturing
Jeweler's block available through marine specialist.
Window and door (metal) manufacturing
No automatic, revolving, overhead or fire doors. No installation.
Wire springs
Women's and misses' outerwear
Women's and children's underwear
Women's hoisery, excluding socks
Wood containers
Wood kitchen cabinets
Wood office furniture
Wood partitions and fixtures
Wood TV and radio cabinets
Ineligible classes:
 Automotive, aircraft, aerospace or other transportation-related product manufacturing
 Medical device/equipment products manufacturing
 Sports equipment products
 Nuclear, petrochemical or pharmaceutical products
 Clean room exposures (except precious)
 Electroplating
 Machinery manufacturing
 Remote warehousing not connected to a manufacturer's location
 Railroad
 Plastics
Account size
 Up to $15 million in total annual receipts
 Up to $15 million in total property value per location
Flammables on premises
 Must not exceed one 55-gallon drum
 Must be property handled and stored
Exposures requiring company authorization
 Welding
 Spray painting
 Discontinued or recalled products
 Flammable storage
 Woodwoorking
Property Limits by Location
4 types of limits apply:
 Building limit
 Business personal property limit
 Business income
 Embedded additional coverages
Underwriting Guidelines
 Three years in business is preferred for all risks.
 Businesses should have adequate protective measures to detect fires and thefts. Central
station fire alarms are required. Risks with sprinkler systems are preferred.
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Businesses should have a comprehensive quality control program.
Revenue generated by transactional Web sites must be less than 50 percent of total
revenues.
Additional class, coverage and risk-specific underwriting criteria will apply.
Consult Your Underwriter
 New ventures
 Operations in frame buildings
 Workers Compensation coverage availability
 For local exceptions and restrictions