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)
CCIS-a-b.Doc
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
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Comments &
Application Coding
(a) (b)
(a) (b)
(a) (b)
(a) (b)
-1-
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.
CCIS-a-b.Doc
(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)
CCIS
12/2003
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-2-
CenCal Insurance Services
Commercial Lines Manual
Classification Table
Description
Alarms and Alarm Systems
Installation, Servicing and Repair
Amusement Centers
Antique Stores
CCIS-a-b.Doc
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
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12/2003
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(a) (b) (p)
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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.
CCIS-a-b.Doc
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12/2003
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-4-
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
CCIS-a-b.Doc
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)
Comments &
Application Coding
*
(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
CCIS
12/2003
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(a) (b) (g) (p) (q)
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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.
CCIS-a-b.Doc
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
CCIS
12/2003
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CenCal Insurance Services
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Classification Table
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CCIS
12/2003
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-7-
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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)
CCIS-a-b.Doc
(4)
8112
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
p
p
s
15,000
*
15,000
s
51224
(2) (3)
91150
(5)
Comments &
Application Coding
51224
(a) (b)
91150
(a) (b)
91155
(5)
91155
10040
(8)
*
(11)
10042
(8)
10040
(a) (b)
(a) (b)
*
(a) (b)
10042
CCIS
12/2003
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(a) (b)
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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.
CCIS-a-b.Doc
(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
CCIS
12/2003
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CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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
CCIS-a-b.Doc
7120
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS
12/2003
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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)
CCIS-a-b.Doc
(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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12/2003
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CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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
CCIS-a-b.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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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12/2003
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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)
CCIS-a-b.Doc
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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12/2003
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Commercial Lines Manual
Classification Table
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
CCIS-a-b.Doc
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)
Comments &
Application Coding
Included
(a) (b) (s)
*
(a) (b) (p)
10070
(17)
10071
(18)
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12/2003
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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)
CCIS-a-b.Doc
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
- 15 -
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
Description
Class
Code
Class
Code
Automobile Quick Lubrication Services
0932
8111
Automobile Repair or Service Shops
Automobile Repair Shops – SelfService
CCIS-a-b.Doc
(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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (f) (h) (p)
- 16 -
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”.
CCIS-a-b.Doc
(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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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- 17 -
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CCIS-a-b.Doc
4218
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
S
10100
(3)
51315
(4)
10111
Comments &
Application Coding
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
*
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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
CCIS-a-b.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
19
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CCIS-a-b.Doc
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
Comments &
Application Coding
Included
(a) (b) (p) (s)
Included
(a) (b) (p) (s)
Included
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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).
CCIS-a-b.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
21
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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
CCIS-a-b.Doc
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)
Comments &
Application Coding
10115
51350
51351
51352
51355
51356
51357
51358
51359
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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)
CCIS-a-b.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
23
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CCIS-a-b.Doc
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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
CCIS-a-b.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
25
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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
CCIS-a-b.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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) (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
CCIS-a-b.Doc
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
27
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS-a-b.Doc
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) (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.
CCIS-a-b.Doc
(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.
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
29
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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)
CCIS-a-b.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
Comments &
Application Coding
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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.
CCIS-a-b.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
31
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
(6)
N/A
(4)
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
a+
a+
61223
(5) (6)
61216
(5) (9) (10)
Comments &
Application Coding
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)
Included
(a) (b) (k) (p) (q) (r)
(7)
5310
N/A
(4)
a+
61217
(5) (10)
Included
(a) (b) (k) (p) (q) (r)
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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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
CCIS-a-b.Doc
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12/2003
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Copyright, Insurance Services Office, Inc., 2001
33
CenCal Insurance Services
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Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
(4)
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.
CCIS-a-b.Doc
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS
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Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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34
CenCal Insurance Services
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Classification Table
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.
CCIS-c.Doc
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
CCIS
12/2003
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Copyright, Insurance Services Office, Inc., 2001
35
CenCal Insurance Services
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Classification Table
FIRE
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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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)
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CenCal Insurance Services
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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
CCIS-c.Doc
(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
CCIS
12/2003
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37
CenCal Insurance Services
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Classification Table
FIRE
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)
CCIS-c.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
51752
(a) (b)
10352
(a) (b) (p)
Included
(a) (b) (p)
Included
(a) (b) (p)
51767
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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(a) (b)
38
CenCal Insurance Services
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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)
CCIS-c.Doc
(9) Paper Manufacturing shall be separately classified and rated. (51767)
(10) For distributors use code 4230
(11) For distributors use code 4221
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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39
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
*
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
40
CenCal Insurance Services
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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)
CCIS-c.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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41
CenCal Insurance Services
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Classification Table
Description
Ceiling Or Wall Installation – Metal
FIRE
CRIME
Class
Code
Class
Code
(1)
2350
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
(3)
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
Commercial Work Only
(a) (b) (d1)
(a) (b)
(10)
(a) (b)
(10)
(a) (b)
Included
(a) (b)
Included
(a) (b)
(a) (b)
Included
CCIS
12/2003
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Copyright, Insurance Services Office, Inc., 2001
Non-Admitted Only
(a) (b)
42
CenCal Insurance Services
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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”.
CCIS-c.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
43
CenCal Insurance Services
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Classification Table
FIRE
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
CCIS
12/2003
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(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.
CCIS-c.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
45
CenCal Insurance Services
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
CCIS-c.Doc
4480
4480
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
CCIS
12/2003
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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
CCIS
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CenCal Insurance Services
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Classification Table
FIRE
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
CCIS-c.Doc
(1)
8133
8133
8133
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(3)
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)
Comments &
Application Coding
Included
(a) (b) (p)
Included
(a) (b) (p)
Included
(a) (b) (p)
Included
CCIS
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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
CCIS-c.Doc
(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
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CenCal Insurance Services
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Classification Table
Description
Clubs – Country Or Golf
Clubs – Racket Sports And Handball
CCIS-c.Doc
FIRE
CRIME
Class
Code
Class
Code
(1)
7990
(1)
7940
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(2)
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
Comments &
Application Coding
(a) (b)
CCIS
12/2003
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CenCal Insurance Services
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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
CCIS-c.Doc
(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
CCIS
12/2003
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CenCal Insurance Services
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Classification Table
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
CCIS-c.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
(8)
2
(11)
2
(11)
2
(11)
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
*
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)
CCIS
12/2003
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Copyright, Insurance Services Office, Inc., 2001
(a) (b)
Non Admitted Only
(a) (b) (d1)
Non Admitted Only
(a) (b)
Non Admitted Only
(a) (b)
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CenCal Insurance Services
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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.
CCIS-c.Doc
(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
CCIS
12/2003
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53
CenCal Insurance Services
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Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
4
3
15,000
50,000
25,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (o) (p)
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CenCal Insurance Services
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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.
CCIS
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55
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Classification Table
FIRE
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
Comments &
Application Coding
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)
CCIS
12/2003
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(a) (b) (d1)
(a) (b) (d1)
(a) (b)
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CenCal Insurance Services
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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
CCIS-c.Doc
(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
CCIS
12/2003
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CenCal Insurance Services
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Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(4)
15,000
3
(4)
15,000
3
(4)
15,000
3
(4) (7)
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
a+
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)
CCIS
12/2003
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CenCal Insurance Services
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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.
CCIS-c.Doc
(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
CCIS
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59
CenCal Insurance Services
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Classification Table
Description
FIRE
CRIME
Class
Code
Class
Code
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
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)
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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)
CCIS-c.Doc
(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
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Classification Table
FIRE
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
CCIS-c.Doc
0702
(5)
2330
6501
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
*
c
*
1
(7)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
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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)
CCIS-c.Doc
(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
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Classification Table
FIRE
CRIME
Description
Class
Code
Class
Code
Convenience Food Stores
0532
4451
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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)
CCIS-c.Doc
4470
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
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Comments &
Application Coding
(a) (b) (o) (p)
(a) (b) (o) (p)
(a) (b) (o) (p)
(a) (b)
(a) (b)
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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”.
CCIS-c.Doc
(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
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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.
CCIS-c.Doc
(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
Comments &
Application Coding
Included
(a) (b)
Included
(a) (b) (o) (p)
(13)
(a) (b) (o) (p)
No
(a) (b)
1
(13)
51999
CCIS
12/2003
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(a) (b)
(a) (b)
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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
CCIS-c.Doc
(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.
CCIS
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Classification Table
Description
Dairy Products Mfg.
Dairy Products Or Butter And Egg
Stores – Not-For-Profit Only
Dairy Products Or Butter And Egg
Stores – Other Than Not-For-Profit
Dance Halls, Ballrooms Or
Discotheques – Not-For-Profit Only
Dance Halls, Ballrooms Or
Discotheques – Other Than Not-For
Profit
CCIS-d-f.Doc
FIRE
CRIME
Class
Code
Class
Code
2000
3110
0532
(2)
0532
(2)
0846
(6)
0846
(6)
4452
4452
7130
7130
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
(1)
1
(1)
1
(1)
4
(8)
4
(8)
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
52002
Comments &
Application Coding
52002
(a) (b)
5,000
s
5,000
s
15,000
s+
15,000
s+
11259
(3)
11258
(3)
11274
(7) (12)(13)
11273
(7) (12)(13)
11259
(a) (b) (o) (p)
11258
(12)
(12)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (o) (p)
Non Admitted Only
(a) (b) (i) (p) (q)
Non Admitted Only
(a) (b) (i) (p) (q)
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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)
CCIS-d-f.Doc
(8) C – Rate Group 5.
SBF, SBR – Rate Group 3.
This footnote does not apply to Contents, Fire.
(9) Coverage does not apply to medical payments to attendees. Use
Exclusion – Medical Payments To Children (Day Care Centers)
Endorsement CG 22 40.
Basis of premium is per person. Per person should be determined by
using the average daily attendance. (41716) (41715)
(10) Contractors storage, use Code 0567 and CPP PMA C.
Equipment in the open, use Code 1190 and CPP PMA C.
Office, use Code 0702 and CPP PMA C or O.
Vehicle storage or repair, refer to “Automobile” classifications.
(11) This classification applies to those risks solely engaged in the removal of
debris in connection with construction or erection.
Salvage operations shall be separately classified and rated. (91629)
(12) Refer to Company
(13) Attach Assault and Battery Exclusion SL-4
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Classification Table
Description
Decorating
Delicatessens
FIRE
CRIME
Class
Code
Class
Code
*
5414
(2)
7225
Department Or Discount Stores
0567
4520
Diagnostic Testing Laboratories
0921
6210
CCIS-d-f.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
3
(4) (5)
(6)
3
(8)
2
(10)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
5,000
5,000
s
25,000
s
5,000
s+
*
(1)
11288
(3)
12356
(7)
46112
(9)
Comments &
Application Coding
*
(a) (b) (n) (p) (q)
11288
(3)
12356
(7)
Included
CCIS
12/2003
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Copyright, Insurance Services Office, Inc., 2001
(a) (b) (n) (p) (q)
(a) (b) (o)
Non-Admitted Only
(a) (b)
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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.
CCIS-d-f.Doc
(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.
CCIS
12/2003
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Classification Table
FIRE
Description
Distributors – Food Or Drink
Distributors – No Food Or Drink
Door Or Window Mfg. – Wood
Door Or Window Mfg. – Other Than
Wood
Door, Window Or Assembled Millwork
– Installation – Metal
CCIS-d-f.Doc
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
12361
(a) (b)
12362
(a) (b)
52315
(a) (b)
52134
(a) (b)
91746
CCIS
12/2003
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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)
CCIS-d-f.Doc
(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.
CCIS
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Classification Table
FIRE
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)
CCIS-d-f.Doc
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
CCIS
12/2003
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74
CenCal Insurance Services
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Classification Table
FIRE
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
CCIS-d-f.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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(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)
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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.
CCIS-d-f.Doc
(7) Coverage does not apply to medical payments. Use Exclusion –
Coverage C – Medical Payments Endorsement CG 21 35. (43117)
The following shall be separately classified and rated:
• Swimming pools
• Bathing beaches
• Skeet shooting or trap
• Shooting ranges
• Saddle animals
• Motor or Sailboats
(8) If low hazard (non-combustible), use Code 5000.
If moderate hazard (combustible or free burning), use Code 5050.
If high hazard (rapid burning),use Code 5100.
(9) This classification includes manufacturing of ingredients.
Manufacturing of biological products shall be separately classified and
rated. (52342) (52343)
(10) For Businessowners Limited Cooking and Fast Food Restaurants, refer to
Restaurant Classifications rates of CLM Division Nine – Multiple Line –
Businessowners Subdivision.
(11) No reconditioning
(12) Attach Pre Existing Damage Exclusion Sl-63
(13) Attach Indoor Air Quality Exclusion EPA-353
(14) Attach Contractors Supplemental Application NAA-110
(15) Attach Residential Projects Exclusion EAA-148
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS-d-f.Doc
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
Non-Admitted Only
(a) (b) (k) (p) (q)
Included
Non-Admitted Only
(a) (b) (k) (p) (q)
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(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)
CCIS-d-f.Doc
(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
CCIS
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Classification Table
Description
Electrical Apparatus – Installation,
Servicing Or Repair
FIRE
CRIME
Class
Code
Class
Code
(7)
8112
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
Electrical Contractors
(9)
No
---
Electrical Equipment Distributors
(7)
(16)
*
4216
*
Electrical Equipment Mfg. – Other
Than For Direct And Indirect
Application To The Body
CCIS-d-f.Doc
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
p
---
s
92451
(12)(15)(18)
(19)(20)(21)
92451
(12)(15)
(18)(20)
(21)
*
(10)(18)(20)
(21)
*
12391
(17)
Comments &
Application Coding
Commercial Work Only
(a) (b) (d1)
Commercial Work Only
(a) (b) (d1) (s)
(a) (b)
3350
3
(11) (12)
15,000
s
52432
NOC
(17)
CCIS
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(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
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(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)
CCIS-d-f.Doc
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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)
CCIS
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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)
CCIS-d-f.Doc
(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
CCIS
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
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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
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(5)
5,000
1
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
63220
(3)(4)(5)
52911
63219
(3)(4)(5)(6)
52967
Comments &
Application Coding
(a) (b) (k) (q) (p)
CCIS
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(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
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Classification Table
FIRE
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
5,000
s
15,000
s
52911
(4)
52967
(6)
52911
(4)
52967
(7)
CCIS
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Comments &
Application Coding
Non-Admitted Only
(a) (b)
(a) (b)
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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
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Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
15,000
s
12509
(2)
12510
Comments &
Application Coding
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
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(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
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(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
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
Comments &
Application Coding
(a) (b)
(a) (b) (d1)
Floor Covering Mfg. – Not Carpets,
Rugs, Ceramic Or Stone Tiles
Floor Covering Stores
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
*
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
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(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
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Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
Comments &
Application Coding
(11)
(a) (b)
(11)
(a) (b)
(11)
(a) (b)
(11)
(a) (b)
Included
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(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
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Description
Freight Forwarders Or Handlers –
Other Than Packing, Handling Or
Shipping Explosives Or Ammunition
Under Contract
Frozen Food – Distributors
Fruit Or Vegetable Dealers
Fruit Or Vegetable Distributors
CRIME
Class
Code
Class
Code
1211
4880
(3)
4230
(3)
4452
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
(2)
*
3110
1
(5)
2
(6) (9)
2
(7) (9)
*
0570
4534
1
(3)
Fruit Or Vegetable Juice Mfg. – No
Bottling Of Carbonated Beverages
4230
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
p+
15,000
s
5,000
s
5,000
94617
NOC (1)
(11)
Included
13049
(4)
13111
13049
Comments &
Application Coding
(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
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(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
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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
Comments &
Application Coding
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
s
5,000
p
53731
(13) (16)
53732
(13) (14)
53733
(13) (14)
95124
No
(a) (b)
53732
(15)
53732
(15)
95124
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(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
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Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
s+
53734
Comments &
Application Coding
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
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Classification Table
FIRE
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
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(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)
CCIS-g-h.Doc
(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)
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Classification Table
FIRE
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
CCIS-g-h.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
(3)
1
(3)
1
1
(14)
3
(12)
4
(9) (12)
3
(12)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
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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
CCIS-g-h.Doc
(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
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Classification Table
FIRE
Description
Grading Of Land
Greenhouse Erection
Greenhouses
CCIS-g-h.Doc
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
Commercial Work Only
(a) (b) (d1)
(a) (b) (d1)
*
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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)
CCIS-g-h.Doc
(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
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Classification Table
FIRE
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
p
*
13670
(2)
13670
13673
NOC (15)
13673
95505
(9)
95505
*
(12) (17)
(18)
*
(17) (18)
Comments &
Application Coding
(a) (b)
(a) (b) (o) (p)
(a) (b) (d1)
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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
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Classification Table
Description
Halls – Not-For-Profit Only
Halls – Other Than Not-For-Profit
FIRE
CRIME
Class
Code
Class
Code
0843
*
0843
*
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
*
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
a+
*
a+
Hardware And Tool Distributors
0563
4217
2
15,000
S
Hardware Stores
0563
4440
2
15,000
S
CCIS-g-h.Doc
Comments &
Application Coding
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)
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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
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Classification Table
FIRE
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
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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)
Comments &
Application Coding
Included
(a) (b)
Included
(a) (b) (o) (p)
13720
(4)
*
No
No
(a) (b) (o) (p)
(a) (b)
(a) (b)
13930
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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)
CCIS-g-h.Doc
(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)
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Classification Table
FIRE
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
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4510
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
2
1
(10)
2
2
15,000
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
p
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)
CCIS
12/2003
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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)
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(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
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FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS-g-h.Doc
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)
Comments &
Application Coding
14279
(a) (b) (o) (p)
55214
(5) (13)
55371
(6)
Included
(a) (b) (o) (p)
(a) (b)
(a) (b) (m) (p) (q)
Included
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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
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Classification Table
FIRE
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
CCIS-g-h.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(5)
3
(5)
3
(5)
3
(5)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
5,000
s+
15,000
s+
5,000
15,000
a+
a+
45192
(3) (4)
45193
(3) (4)
64074
(3) (6)
64075
(3) (6)
Comments &
Application Coding
Included
(a) (b) (m) (p) (q)
Included
(a) (b) (m) (p) (q)
Included
(a) (b) (m) (p) (q)
Included
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(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
CCIS-g-h.Doc
(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)
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119
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Classification Table
FIRE
Description
House Furnishing Installation
CRIME
Class
Code
Class
Code
NA
*
(2)
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
p
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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Classification Table
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)
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12/2003
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(a) (b)
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(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
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FIRE
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
CCIS-i-l.Doc
(6)
(1)
(13)
5414
2330
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
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(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
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Classification Table
FIRE
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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CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
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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)
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FIRE
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
CCIS-i-l.Doc
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)
Comments &
Application Coding
Included
(a) (b) (o)
Included
(a) (b)
N/A
N/A
t+
(9)
Included
(a) (b)
*
3260
2
5,000
s
56040
56040
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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.
CCIS-i-l.Doc
(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
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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
CCIS-i-l.Doc
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
56041
Comments &
Application Coding
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
CCIS
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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
CCIS-i-l.Doc
• 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
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Copyright, Insurance Services Office, Inc., 2001
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments & Application
Coding
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
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Copyright, Insurance Services Office, Inc., 2001
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(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.
CCIS-i-l.Doc
(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
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132
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
CCIS-i-l.Doc
--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)
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)
(a) (b)
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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
CCIS-i-l.Doc
(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
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134
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Classification Table
FIRE
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)
Non Admitted Only
(a) (b) (u)
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
3
15,000
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
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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.
CCIS-m-o.Doc
(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
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136
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
s
(15)
5,000
s
56651
(15)
Non Admitted Only
(a) (b) (u)
2
5,000
s
56652
(15)
Non Admitted Only
(a) (b) (u)
3330
2
5,000
s
56653
(15)
Non Admitted Only
(a) (b) (u)
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
N/A
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(a) (b)
137
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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)
CCIS-m-o.Doc
(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
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138
CenCal Insurance Services
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b)
139
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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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
140
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (o) (p)
141
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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)
CCIS-m-o.Doc
(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
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142
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Classification Table
FIRE
Description
Medical Offices
CRIME
Class
Code
Class
Code
0702
6210
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
---
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
a+
Comments &
Application Coding
66561
(4) (5)
Included
---
*
*
15404
(13)
15405
(13)
(15)
(a) (b)
(15)
Non Admitted Only
(a) (b)
(a) (b) (o) (p)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (o) (p)
143
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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.
CCIS-m-o.Doc
(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
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12/2003
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144
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
Non Admitted Only
(a) (b) (d1)
(a) (b)
(a) (b) (u)
(a) (b) (u)
(a) (b) (u)
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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
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
(a) (b) (u)
(a) (b) (u)
Non Admitted Only
Commercial Work Only
(a) (b) (u)
(a) (b)
(a) (b)
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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)
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(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)
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
(9)
5,000
3
(9)
2
(3)
15,000
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s+
s
t+
46202
(8) (12) (13)
Included
15488
(11)
46362
(2)
15488
(11)
Included
Comments &
Application Coding
(a) (b) (l) (p)
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12/2003
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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.
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(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.
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Classification Table
FIRE
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
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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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
*
(a) (b)
*
(a) (b)
Included
(a) (b)
Included
(a) (b)
Included
(a) (b)
Included
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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
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Classification Table
FIRE
Description
Music Stores – Pre-Recorded
Musical Instrument Mfg.
Musical Instrument Stores
Musical Products Mfg. – Pre-Recorded
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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)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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(a) (b)
(a) (b) (o) (p)
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(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.
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(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
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Classification Table
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)
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12/2003
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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
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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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
p+
57572
(4)
98111
(5)
57572
(4)
Included
*
(2)
*
*
(2)
*
Comments &
Application Coding
(a) (b)
(a) (b)
(a) (b) (o) (p)
(a) (b) (o) (p)
*
(3)
*
*
(3)
*
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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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.
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Classification1 Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
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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
CCIS-m-o.Doc
(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.
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Classification Table
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
*
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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)
Comments &
Application Coding
(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)
Commercial Work Only
(a) (b) (d1)
98308
(6)
98309
(a) (b) (d1)
15993
(9)
(11)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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)
CCIS-p-r.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
162
CenCal Insurance Services
Commercial Lines Manual
Classification Table
Description
Paper Goods Mfg.
FIRE
CRIME
Class
Code
Class
Code
4450
3225
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
Comments &
Application Coding
57725
NOC (1)
57726
Paper Mfg.
1
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
5,000
a+
5,000
s+
a+
5,000
s+
57725
NOC (1)
57726
(a) (b)
(a) (b)
Non-Admitted Only
(a) (b)
Included
(a) (b) (f) (h)
Non-Admitted Only
(a) (b) (f) (h)
Included
(a) (b) (f) (h)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
164
CenCal Insurance Services
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Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
a+
t+
s
*
*
Pet Food Mfg.
---
*
*
Pencil, Pen, Crayon Or Chalk, Mfg.
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
166
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
168
CenCal Insurance Services
Commercial Lines Manual
Classification Table
Description
Pipes Or Tubes Mfg. – Metal
FIRE
CRIME
Class
Code
Class
Code
6850
3320
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
170
CenCal Insurance Services
Commercial Lines Manual
Classification Table
Description
Plumbing Supplies And Fixtures
Dealers And Distributors
Plumbing Supplies Mfg.
FIRE
CRIME
Class
Code
Class
Code
0563
4217
(2)
3320
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
*
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
172
CenCal Insurance Services
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Classification Table
FIRE
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
t+
Comments &
Application Coding
(a) (b)
(a) (b)
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
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(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.
CCIS
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174
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Classification Table
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)
Comments &
Application Coding
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
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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.
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Classification Table
Description
Recreational Facilities
Rectories
Refrigeration Equipment Mfg.
FIRE
CRIME
Class
Code
Class
Code
(1)
NOC
(2)
7130
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
*
*
*
(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
Comments &
Application Coding
4217
2
25,000
p
58663
(4)
16705
(6)
98636
(8)
(a) (b)
(a) (b)
(a) (b) (d1)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b)
Commercial Work Only
(a) (b) (d1)
177
CenCal Insurance Services
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Classification Table
(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.
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178
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Classification Table
FIRE
CRIME
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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)
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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.
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12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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180
CenCal Insurance Services
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
3
(7)
15,000
3
(4)
15,000
4
(3)
25,000
3
(7)
15,000
4
(3)
25,000
3
(7)
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
s
s
s
s
Comments &
Application Coding
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (n) (p)(q)
(a) (b) (n) (p)(q)
(a) (b) (n) (p)(q)
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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.
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
182
CenCal Insurance Services
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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)
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183
CenCal Insurance Services
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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
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CenCal Insurance Services
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Classification Table
Description
Saddles, Harnesses Or Horses
Furnishings Mfg.
FIRE
CRIME
Class
Code
Class
Code
*
3160
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
15,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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)
Comments &
Application Coding
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
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12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(6)
(6)
(a) (b) (d1)
(a) (b) (d1)
(6)
(6)
(a) (b)
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CenCal Insurance Services
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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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
186
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
Class
Code
Class
Code
Schools – Not-For-Profit Only
*
*
(2)
(2)
Comments &
Application Coding
(a) (b)
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
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Description
(1)
(3)
(3)
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
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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
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Classification Table
Description
Schools – Public – High
FIRE
CRIME
Class
Code
Class
Code
(1)
6111
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
(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
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12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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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)
Comments &
Application Coding
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
Commercial Work Only
(a) (b) (d1)
189
CenCal Insurance Services
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Classification Table
(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
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190
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Classification Table
FIRE
CRIME
Class
Code
Class
Code
Sewing Machines Mfg. – Commercial
(2)(3)
3330
1
15,000
s
58903
58903
Comments &
Application Coding
(a) (b)
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
Commercial Work Only
(a) (b) (d1)
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
(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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
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12/2003
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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
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Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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(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
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
p
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)
(a) (b)
Commercial Work Only
(a) (b) (d1)
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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.
CCIS-s.Doc
(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.
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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194
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Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
50,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
18205
Comments &
Application Coding
(4)
(a) (b)
15,000
s
59306
(4)
25,000
s
18206
(4)
Non-Admitted Only
(a) (b)
(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
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12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
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s
s
(a) (b) (d1)
18436
(a) (b) (o) (p)
18435
(a) (b) (o) (p)
195
CenCal Insurance Services
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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
CCIS-s.Doc
(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
CCIS
12/2003
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196
CenCal Insurance Services
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
*
1
1
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
s
15,000
5,000
p+
s
18438
NOC
18437
NOC
99303
(1)
48727
(2) (4)
Comments &
Application Coding
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)
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CenCal Insurance Services
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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.
CCIS-s.Doc
(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)
CCIS
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198
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Classification Table
FIRE
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)
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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)
CCIS-t-v.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
200
CenCal Insurance Services
Commercial Lines Manual
Classification Table
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
Non-Admitted Only
(a) (b)
Non-Admitted Only
(a) (b)
Non-Admitted Only
(a) (b)
Non-Admitted Only
(a) (b)
201
CenCal Insurance Services
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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”
CCIS-t-v.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
202
CenCal Insurance Services
Commercial Lines Manual
Classification Table
Description
Theaters – Not-For-Profit Only
FIRE
CRIME
Class
Code
Class
Code
(1)
7110
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
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
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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
Comments &
Application Coding
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (o) (p)
Commercial Work Only
(a) (b) (d1)
Non-Admitted Only
(a) (b) (o) (p)
203
CenCal Insurance Services
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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.
CCIS-t-v.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
204
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
Class
Code
Class
Code
Tobacco Products Stores
0567
4530
Tool Mfg. – Accessories
(8)
Tool Mfg. – Hand Type – Not Powered
Description
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
206
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
Class
Code
Class
Code
8139
Toy Distributors
(1)
(15)
0567
Toy Stores
Description
Townhouses Or Similar Associations
(Association Risk Only)
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
15,000
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+
Comments &
Application Coding
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)
Non-Admitted Only
(a) (b)
t+
5,000
p+
p+
(15)
(15) (5)
(a) (b)
Included
(a) (b) (d1)
(15)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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.
CCIS-t-v.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
208
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
CRIME
Class
Code
Class
Code
*
3395
1
5,000
s
59889
59889
Comments &
Application Coding
(a) (b)
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
Included
Non-Admitted Only
(a) (b) (p) (q)
68604
(2) (11)
Included
Non-Admitted Only
(a) (b) (p) (q)
a+
68606
(2) (11)
Included
Non-Admitted Only
(a) (b) (p) (q)
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
CCIS-t-v.Doc
3110
(15)
15,000
s
15,000
s
15,000
s
18912
(a) (b) (o) (p)
18911
(a) (b) (o) (p)
(17)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(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.
CCIS-t-v.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
210
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
Comments &
Application Coding
(a) (b)
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
CCIS-t-v.Doc
0570
5320
15,000
s
No Crime on ATM’s
(a) (b)
49617
18920
CCIS
12/2003
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Copyright, Insurance Services Office, Inc., 2001
(a) (b)
(a) (b) (o) (p)
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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)
CCIS-t-v.Doc
(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
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Classification Table
FIRE
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
CCIS-w-z.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
2
5,000
5,000
1
s+
p+
p+
a+
*
2
(9)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
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)
Comments &
Application Coding
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
CCIS
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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.
CCIS-w-z.Doc
(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
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
Comments &
Application Coding
(a) (b)
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)
(a) (b)
Commercial Work Only
(a) (b) (d1)
(16)(17)
(18)(19)
Commercial Work Only
(a) (b) (d1)
(16)(17)
(18)(19)
Commercial Work Only
(a) (b) (d1)
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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.
CCIS-w-z.Doc
(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
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Classification Table
FIRE
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
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
(11)(12)(13)
(14)
99954
59931
NOC (4)
59932
(11)(12)
(13)(14)
Comments &
Application Coding
Commercial Work Only
(a) (b) (d1)
(11)
(a) (b)
(11)
(a) (b)
(6)
2350
2
15,000
p
99969
(7)
(11)
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12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
(a) (b) (d1)
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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.
CCIS-w-z.Doc
(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
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Classification Table
FIRE
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
CCIS-w-z.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
59947
(2)
59955
(13)
Comments &
Application Coding
(a) (b)
(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)
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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.
CCIS-w-z.Doc
(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
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Classification Table
FIRE
CRIME
Class
Code
Class
Code
Wood Products Mfg.
(8)
3210
(8)
(8)
Comments &
Application Coding
(a) (b)
Wood Turned Products Mfg.
(8)
3210
(8)
(8)
(a) (b)
2800
3130
59989
(8)
(a) (b)
Description
Wool Pulling
CCIS-w-z.Doc
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
1
5,000
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
s
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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)
CCIS-w-z.Doc
(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
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Classification Table
Description
FIRE
CRIME
Class
Code
Class
Code
CRIME AND
CONTENTS, FIRE
Rate
Class
Group
Limit
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
Comments & Application
Coding
THERE ARE NO “X” CLASSIFICATIONS AT THIS TIME.
CCIS-w-z.Doc
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Classification Table
FIRE
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)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
5,000
(8)
(8)
5,000
(8)
(8)
5,000
(8)
(8)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
Comments & Application
Coding
Non-Admitted Only
(a) (b)
Non-Admitted Only
(a) (b)
Non-Admitted Only
(a) (b)
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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
CCIS-w-z.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
225
CenCal Insurance Services
Commercial Lines Manual
Classification Table
FIRE
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)
GENERAL LIABILITY
Premium
Premises
Products
Base
Code
Code
15,000
t+
(5)
Included
Comments & Application
Coding
(a) (b)
15,000
t+
(5)
Included
(a) (b)
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
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)
CCIS-w-z.Doc
(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
CCIS
12/2003
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
Copyright, Insurance Services Office, Inc., 2001
227