General Liability Class Codes
For Commercial Insurance

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General Liability Class Codes For Commercial Insurance

General Liability Class Codes For Commercial Insurance

General Liability Class Codes For Commercial Insurance. General liability class codes for commercial insurance are codes of numbers that insurance companies use to classify businesses into categories of risk level and to help them find the correct rates, coverages, and exclusions for a general liability insurance policy.

Each business type faces its own set of risks. For example - roofers have very different risks than accountants do. General liability class codes for commercial insurance allow insurance companies to group similar type of businesses based on the work being performed.

Rating the correct class for general liability insurance is not always easy and what can appear to be the correct class code for a business might not be correct.

Find general liability class codes for commercial insurance. One of the main factors in the cost of general liability insurance is the classification code for the activities the business is doing. See the full classification list here.

Following are some of the answers to commonly asked general liability class code questions:


What Are General Liability Class Codes?

General liability class codes are codes of numbers that insurance companies use to classify businesses into categories of risk level and to help them find the correct rates, coverages, and exclusions for a general liability insurance policy.

How Are General Liability Rates Determined?

A lot of general liability classifications rates are determined by the general liability class code, loacation, gross annual sales or annual payroll.

Where Can I Lookup General Liability Class Codes?

General liability class codes for commercial insurance. While insurance companies use general liability class codes codes to rate businesses, they are also used to deny coverage too. An example of operations not covered is called an "exclusion". Exclusions limit the insurance company's liability for activities that fall outside of the insured's classification.

You can lookup general liability class codes using the following list. The GL class code pages also show the related SIC and NAICS codes as well as a cross reference.

Both the code and class description are listed in numerical order of the GL class code:

 GL Code  GL Class Description
10010 Air Conditioning Equipment - Dealers or Distributors Only
10015 Amusement Centers
10020 Amusement Parks
10026 Antique Stores
10036 Anhydrous Ammonia Dealers and Distributors
10040 Appliance Distributors - Household Type
10042 Appliance Stores - Household Type
10052 Archery Ranges - Indoor
10054 Archery Ranges - Other Than Indoor
10060 Army and Navy Stores
10065 Art Galleries - Other Than Not-For-Profit
10066 Art Galleries - Not-For-Profit Only
10070 Automobile Parts and Supplies Distributors
10071 Automobile Parts and Supplies Stores
10072 Automobile Quick Lubrication Services
10073 Automobile Repair or Service Shops
10075 Automobile Repair Shops - Self - Service
10100 Bakeries
10101 Boat Dealers
10105 Boat Storage and Moorage
10107 Boat Yards or Marinas - Public
10110 Boats - Canoes or Rowboats - For Rent - Not Equipped With Motors
10111 Barber or Beauty Shop Supplies Distributors
10113 Barber Shops
10115 Beauty Parlors and Hair Styling Salons
10117 Boats - Motor or Sail - Rented To Others
10119 Boats - Rented To Others NOC
10120 Bathhouses or Bathing Pavilions
10130 Bazaars - Operated By The Insured - Other Than Not-For-Profit
10132 Bazaars - Operated By The Insured - Not-For-Profit Only
10133 Beach Chairs and Umbrellas - Rented To Others
10135 Beaches - Bathing - Commercially Operated
10140 Beverage Distributors - Alcoholic Other Than Beer
10141 Beverage Distributors - Nonalcoholic and Beer
10145 Beverage Stores - Liquor and Wine
10146 Beverage Stores - Soft Drinks and Beer
10150 Bicycle Stores - Sales and Servicing
10151 Bicycles - Rented To Others
10160 Billiard or Pool Halls
10204 Books and Magazines Stores - Other Than Not-For-Profit
10205 Books and Magazines Stores - Not-For-Profit Only
10220 Bowling Lanes
10255 Building Material Dealers - Other Than Secondhand Material
10256 Building Material Dealers - Secondhand Material
10257 Building Material Distributors
10309 Camera and Photographic Equipment Stores
10315 Camper or Travel Trailer Sales Agencies
10331 Campgrounds - Other Than Not-For-Profit
10332 Campgrounds - Not-For-Profit Only
10352 Candy or Confectionery Stores
10367 Car Washes - Other Than Self - Service
10368 Car Washes - Self - Service
10375 Carnival or Circus Companies
10378 Carnivals - Outside (sponsor's Risk Only) Other Than Not-For-Profit
10379 Carnivals - Outside (sponsor's Risk Only) Not-For-Profit Only
10380 Carnivals or Circuses - In Tents (sponsor's Risk Only) Other Than Not-For-Profit
10381 Carnivals or Circuses - In Tents (sponsor's Risk Only) Not-For-Profit Only
11007 Carpet, Rug or Upholstery Cleaning - Shop Only
11020 Catalog or Premium Coupon Redemption Stores
11039 Caterers
11052 Chairs - Rented To Others
11101 Chemical Distributors
11120 Children's Playcenter - Indoor
11126 Clothing or Wearing Apparel Distributors
11127 Clothing or Wearing Apparel Stores - Other Than Not-For-Profit
11128 Clothing or Wearing Apparel Stores - Not-For-Profit Only
11138 Clubs - Country or Golf
11155 Collectibles and Memorabilia Stores
11160 Computer Stores
11167 Concessionaires - Checkroom, Shoeshine or Toilet Concessions In Hotels, Restaurants, Railroad Stations, Etc
11168 Concessionaires
11201 Contractors Equipment - Cranes, Derricks, Power Shovels and Equipment Incidental Thereto - Rented To Others With Operators
11202 Contractors Equipment - Cranes, Derricks, Power Shovels and Equipment Incidental Thereto - Rented To Others Without Operators
11203 Contractors Equipment Dealers - Ladders, Excluding Hoists, Scaffolds or Towers
11204 Contractors Equipment Dealers - Ladders, Hoists, Scaffolds or Towers
11205 Contractors Equipment - Earth Moving Equipment Other Than Cranes, Derricks and Power Shovels - Rented To Others With Operators
11206 Contractors Equipment - Earth Moving Equipment Other Than Cranes, Derricks and Power Shovels - Rented To Others Without Operators
11207 Contractors Equipment - Excluding Automobiles - Rented To Others With Operators
11208 Contractors Equipment - Excluding Automobiles - Rented To Others Without Operators
11209 Contractors Equipment - Hod or Material Platform Hoists and Equipment Incidental Thereto - Rented To Others With Operators
11210 Contractors Equipment - Hod or Material Platform Hoists and Equipment Incidental Thereto - Rented To Others Without Operators
11211 Contractors Equipment - Ladders, Scaffolds, Scaffolding, Sidewalk Bridges, Towers and Equipment Incidental Thereto - Rented To Others
11212 Contractors Equipment - Scaffolds, Sidewalk Bridges, Hod or Material Hoists, Towers - Rented To Others - Installation, Repair or Removal Operations Only
11213 Contractors Equipment - Steam Boilers, Compressors, Air Pressure Tanks, Pneumatic Tools and Equipment Incidental Thereto - Rented To Others With Operators
11214 Contractors Equipment - Steam Boilers, Compressors, Air Pressure Tanks, Pneumatic Tools and Equipment Incidental Thereto - Rented To Others Without Operators
11222 Copying and Duplicating Services - Retail
11234 Cosmetic, Hair or Skin Preparation Stores
11248 Cotton or Wool Merchants
11258 Dairy Products or Butter and Egg Stores - Other Than Not-For-Profit
11259 Dairy Products or Butter and Egg Stores - Not-For-Profit Only
11273 Dance Halls, Ballrooms or Discotheques - Other Than Not-For-Profit
11274 Dance Halls, Ballrooms or Discotheques - Not-For-Profit Only
11288 Delicatessens
12014 Dental Laboratories
12356 Department or Discount Stores
12361 Distributors - Food or Drink
12362 Distributors - No Food or Drink
12373 Drug Distributors
12374 Drugstores - No Table or Counter Service For Beverage or Food
12375 Drugstores
12391 Electrical Equipment Distributors
12393 Electronics Store
12467 Equipment, Fixtures or Supplies - For Bars, Hotels, Offices, Restaurants or Stores - Distributors
12509 Fabric Distributors
12510 Fabric Stores
12583 Feed, Grain or Hay Dealers
12651 Fence Dealers
12683 Fertilizer Dealers and Distributors
12707 Fire Protection Equipment Dealers and Distributors
12797 Floor Covering Distributors
12805 Floor Covering Stores
12841 Florists
12927 Formal Wear or Costumes - Rented To Others
13049 Frozen Food - Distributors
13111 Fruit or Vegetable Dealers
13112 Fruit or Vegetable Distributors
13201 Fuel Dealers or Distributors - Coal or Wood
13204 Fuel Oil or Kerosene Dealers
13205 Fuel Oil or Kerosene Distributors
13206 Biofuels Distributors - Ethanol
13207 Biofuels Distributors - Other Than Ethanol
13208 Nanomaterial Distributors
13314 Fur - Garments and Pelts - Distributors
13351 Furniture Stores - Other Than Not-For-Profit
13352 Furniture Stores - Not-For-Profit Only
13410 Gas Dealers - Lpg
13411 Gas Dealers or Distributors
13412 Gas Distributors - Lpg
13453 Gasoline Stations - Full Service
13454 Gasoline Stations - Self - Service
13455 Gasoline Stations - Self and Full Service Combined
13461 Solar Energy Equipment Dealers or Distributors Only
13506 Gift Shops - Other Than Not-For-Profit
13507 Gift Shops - Not-For-Profit Only
13590 Glass Dealers and Glaziers
13621 Grain Milling
13670 Grocery Distributors
13673 Grocery Stores
13715 Hardware and Tool Distributors
13716 Hardware Stores
13720 Health or Natural Food Stores
13759 Hearing Aid Stores
13930 Heating or Combined Heating and Air Conditioning Equipment - Dealers or Distributors Only
14068 Hide Dealers and Distributors - Raw
14101 Hobby, Craft or Artists' Supply Stores
14279 Home Improvement Stores
14401 Ice Cream Stores
14405 Ice Dealers and Distributors
14527 Janitorial Supplies - Dealers or Distributors
14655 Jewelry Stores or Distributors
14731 Laundries and Dry Cleaners - Self - Service
14732 Laundry and Dry Cleaning or Dyeing Receiving Stations
14733 Laundry and Dry Cleaning Stores
14734 Laundry Rental Service
14855 Livestock Dealers or Commission Merchants
14913 Locksmiths
15060 Machinery or Equipment Dealers - Construction or Industrial - Mobile Type
15061 Machinery or Equipment Dealers - Farm Type
15062 Machinery or Equipment Dealers
15063 Machinery or Equipment Dealers - Yard or Garden Type
15070 Mail Box or Packaging Stores
15119 Markets - Not Open Air Lessor's Risk Only Other Than Not-For-Profit
15120 Markets - Not Open Air Lessor's Risk Only Not-For-Profit Only
15123 Markets - Open Air Lessor's Risk Only Other Than Not-For-Profit
15124 Markets - Open Air Lessor's Risk Only Not-For-Profit Only
15188 Oil or Gas Well Supplies or Equipment Dealers - Secondhand
15223 Meat, Fish, Poultry or Seafood - Distributors
15224 Meat, Fish, Poultry or Seafood Stores
15300 Medical, Hospital and Surgical Equipment and Supplies - Rented To Others
15314 Medical, Hospital and Surgical Supply Stores
15404 Metal Dealers or Distributors - Nonstructural
15405 Metal Dealers or Distributors - Structural
15406 Metal Scrap Dealers
15488 Mobile Home Sales Agencies
15538 Musical Instrument Stores
15600 Nail Salons
15607 Newspaper or Magazine Distributors
15608 Newsstands
15656 Nightclubs, Cabarets and Comedy Clubs
15699 Nursery - Garden
15733 Oil Refineries
15839 Optical Goods Stores
15991 Paint, Wallpaper or Wallcovering Stores
15993 Painting, Picture or Frame Stores
16005 Paper Products Distributors
16009 Paper, Rag or Rubber Stock Dealers and Distributors - Secondhand
16402 Pet Grooming
16403 Pet Stores
16404 Pet Training
16471 Photographers
16501 Plastic or Rubber Supply Goods Distributors
16527 Plumbing Supplies and Fixtures Dealers and Distributors
16588 Printers or Electrotypers Supplies - Distributors
16604 Produce Handling or Packing
16670 Racquet Sports and Handball Facilities - Commercially Operated
16676 Music Stores - Pre - Recorded
16694 Recreational Vehicle Dealers
16705 Refrigeration Equipment - Dealers and Distributors Only - Commercial
16722 Rental Stores
16723 Rental Stores - Machinery or Equipment - Rented To Others On A Long - Term Basis
16750 Internet Retailers
16751 Internet Auctions
16819 Restaurants - Operated By Concessionaires - Other Than Not-For-Profit
16820 Restaurants - Operated By Concessionaires - Not-For-Profit Only
16881 Secondhand or Salvage Dealers and Distributors
16890 Seed Merchants - Excluding Erroneous Delivery, Error In Mixture and Germination Failure
16891 Seed Merchants - Erroneous Delivery, Error In Mixture and Resulting Germination Failure
16892 Seed Merchants - Erroneous Delivery, and Error In Mixture (excluding Germination Failure)
16900 Restaurants - With No Sale Of Alcoholic Beverages - With Table Service
16901 Restaurants - With No Sale Of Alcoholic Beverages - Without Table Service With Seating
16902 Restaurants - With No Sale Of Alcoholic Beverages - Without Seating
16910 Restaurants - With Sale Of Alcoholic Beverages That Are Less Than 30% Of The Annual Receipts Of The Restaurants - With Table Service
16911 Restaurants - With Sale Of Alcoholic Beverages That Are Less Than 30% Of The Annual Receipts Of The Restaurants - Without Table Service With Seating
16915 Restaurants - With Sale Of Alcoholic Beverages That Are 30% or More Of But Less Than 75% Of The Total Annual Receipts Of The Restaurants - With Dance Floor
16916 Restaurants - With Sale Of Alcoholic Beverages That Are 30% or More Of But Less Than 75% Of The Total Annual Receipts Of The Restaurants - Without Dance Floor
16920 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - With Tables - With Dance Floor: Table Service
16921 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - With Tables - With Dance Floor: No Table Service
16930 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - With Tables - Without Dance Floor: Table Service
16931 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - With Tables - Without Dance Floor: No Table Service
16940 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - Bar Service Only (no Tables): With Dance Floor
16941 Restaurants - With Sale Of Alcoholic Beverages That Are 75% or More Of Total Annual Receipts Of The Restaurants - Bar Service Only (no Tables): Without Dance Floor
18078 Ship Chandler Stores
18109 Shoe Repair Shops
18110 Shoe Stores
18200 Spas or Personal Enhancement Facilities
18205 Sporting Goods or Athletic Equipment Distributors
18206 Sporting Goods or Athletic Equipment Stores
18335 Stationery or Paper Products Stores
18435 Stores - Food or Drink - Other Than Not-For-Profit
18436 Stores - Food or Drink - Not-For-Profit Only
18437 Stores: Retail NOC
18438 Stores - No Food or Drink - Not-For-Profit Only
18501 Supermarkets
18506 Tailor Merchants - Men or Boys
18507 Tailoring or Dressmaking Establishments - Custom
18570 Tattoo Parlors
18575 Telecommunication Equipment Providers
18616 Tire Dealers
18707 Tobacco Products Distributors
18708 Tobacco Products Stores
18833 Toy Distributors
18834 Toy Stores
18911 Variety Stores - Other Than Not-For-Profit
18912 Variety Stores - Not-For-Profit Only
18920 Video Stores
18991 Warehouses - Mini - Warehouses
19007 Washing Machines, Dryers or Ironers - Coin Meter Type
19051 Water Softening Equipment - Rented To Others
19061 Portable Toilet Rentals
19795 Trailer Dealers
19796 Trailer Rental Agencies
40005 Adult Day Care - Not-For-Profit Only
40006 Adult Day Care - Other Than Not-For-Profit
40010 Airports - Commercial
40015 Airports - Private
40020 Airport Control Towers - Not Operated Exclusively By The Federal Aviation Administration
40026 Airport - Lessees Of Portions Of Airports Engaged In The Sale Of Aircraft or Accessories, Servicing or Repairing Of Aircraft or Pilot Instructions
40031 Ambulance Service, First Aid or Rescue Squads - Other Than Not-For-Profit
40032 Ambulance Service, First Aid or Rescue Squads - Not-For-Profit Only
40040 Amusement Devices
40041 Amusement Devices - Operated In Connection With Carnivals or Fairs - Other Than Not-For-Profit
40042 Amusement Devices - Operated In Connection With Carnivals or Fairs - Not-For-Profit Only
40045 Animals - Draft
40046 Animals - Saddle - For Rent
40047 Animals - Saddle - Private
40059 Athletic Games Sponsored By The Insured - Other Than Not-For-Profit
40061 Athletic Games Sponsored By The Insured - Not-For-Profit Only
40063 Athletic or Sports Contests - In Buildings - Lessees - Other Than Not-For-Profit
40064 Athletic or Sports Contests - In Buildings - Lessees - Not-For-Profit Only
40066 Athletic Programs - Amateur - Other Than Not-For-Profit
40067 Athletic Programs - Amateur - Not-For-Profit Only
40069 Athletic Teams - Professional or Semi - Professional
40072 Beaches - Bathing - Not Commercially Operated
40075 Bingo Games - In Public Halls or Theaters - Commercially Operated
40101 Blood Banks - Other Than Not-For-Profit
40102 Blood Banks - Not-For-Profit Only
40111 Boats - Canoes or Rowboats - Not For Rent - Not Equipped With Motors
40115 Boats - Motor or Sail - Not For Rent
40117 Boats - Not For Rent
40140 Boats - Nonowned Over 26 Feet
41001 Boy or Girl Scout Councils
41210 Bus Stations or Terminals
41421 Camps - For - Profit
41422 Camps - Not-For-Profit
41510 Caves - Tourist Attraction
41603 Cemeteries - Other Than Not-For-Profit
41604 Cemeteries - Not-For-Profit Only
41620 Construction or Project Manager
41650 Churches or Other Houses Of Worship
41664 Clubs - Horseback Riding - No Commercial Riding Instructions
41665 Clubs - Racket Sports and Handball
41666 Clubs - Swimming
41667 Clubs - Civic, Service or Social - Having Buildings or Premises Owned or Leased - Other Than Not-For-Profit
41668 Clubs - Civic, Service or Social - Having Buildings or Premises Owned or Leased - Not-For-Profit Only
41669 Clubs - Civic, Service or Social - No Buildings or Premises Owned or Leased Except For Office Purposes - Other Than Not-For-Profit
41670 Clubs - Civic, Service or Social - No Buildings or Premises Owned or Leased Except For Office Purposes - Not-For-Profit Only
41672 Conventions (sponsor's Risk Only) - Other Than Not-For-Profit
41673 Conventions (sponsor's Risk Only) - Not-For-Profit Only
41675 Computer Consulting or Programming
41677 Consultants
41678 Community Recreational Facilities - Not Operated By Governmental Agency
41679 Cotton Gin Operations - Other Than Those Performed For A Fee Per Bale
41680 Convents or Monasteries
41696 Crematories - Other Than Not-For-Profit
41697 Crematories - Not-For-Profit Only
41700 Dam, Levee or Dike - Existence Hazard Only
41715 Day Care Centers - Other Than Not-For-Profit
41716 Camps - Not-For-Profit Only
43007 Drawbridges - Existence Hazard Only
43117 Dude Ranches
43151 Computer Data Processing - Operations
43152 Computer Data Processing - Time Sharing
43200 Employment Agencies
43215 Entertainment Performed On Others' Premises
43421 Exhibitions - Outside - In Stadiums or On Premises Having Grandstands or Bleachers Not Erected By or For Insured - Ushers or Other Attendants In Stands Not Provided By Insured
43422 Exhibitions - Outside - In Stadiums or On Premises Having Grandstands or Bleachers Not Erected By or For The Insured - Ushers or Other Attendants In Stands Provided By The Insured
43424 Exhibitions - Outside - No Stadiums or Grandstands
43470 Pest Control Services
43517 Fair Grounds - Nonoperating Season
43518 Fairs - Outside (operator's Risk Only)
43550 Fire Departments - Other Than Volunteer
43551 Fire Departments - Volunteer
43626 Fireworks Exhibitions - Contractor's Risk Only
43628 Fireworks Exhibitions - Sponsor's Risk Only - Other Than Not-For-Profit
43629 Fireworks Exhibitions - Sponsor's Risk Only - Not-For-Profit Only
43754 Fishing Piers
43760 Fishing Ponds or Lakes - Commercially Operated
43822 Forestry Service
43840 Fruit or Vegetable - Harvesting Contractors
43860 Fumigating
43889 Funeral Homes or Chapels
43945 Garbage or Refuse Dumps
43946 Garbage Works - Separation For Recycling, Reduction or Incineration
43990 Gambling - Casinos
43991 Gambling - Incidental To Other Operations
44009 Gasoline or Oil Supply Stations - Retail - Lessor's Risk Only
44010 Gasoline Recovery - From Casing Head or Natural Gas
44069 Golf Courses - Miniature
44070 Golf Courses - Municipal or Public - Not Golf or Country Clubs
44071 Golf Driving Ranges
44072 Golfmobiles - Loaned or Rented To Others
44100 Governmental: Municipalities - Population Under 2,500
44101 Governmental: Municipalities - Population 2,501 - 10,000
44102 Governmental: Municipalities - Population 10,001 - 25,000
44103 Governmental: Municipalities - Population 25,001 - 50,000
44104 Governmental: Municipalities - Population 50,001 - 100,000
44105 Governmental: Municipalities - Population 100,001 - 250,000
44106 Governmental: Municipalities - Population Over 250,000
44108 Governmental: Counties or Parishes - Population Under 10,000
44109 Governmental: Counties or Parishes - Population 10,001 - 25,000
44110 Governmental: Counties or Parishes - Population 25,001 - 50,000
44111 Governmental: Counties or Parishes - Population 50,001 - 100,000
44112 Governmental: Counties or Parishes - Population 100,001 - 250,000
44113 Governmental: Counties or Parishes - Population Over 250,000
44193 Grandstands or Bleachers - Other Than Not-For-Profit
44194 Grandstands or Bleachers - Not-For-Profit Only
44222 Guides or Outfitters
44276 Halls - Other Than Not-For-Profit
44277 Halls - Not-For-Profit Only
44280 Event, Party or Wedding Planners
44311 Health or Exercise Clubs
44315 Health or Exercise Facilities - Commercially Operated
44427 Health Care Facilities - Alcohol and Drug - Other Than Not-For-Profit
44428 Health Care Facilities - Alcohol and Drug - Not-For-Profit Only
44429 Health Care Facilities - Convalescent or Nursing Homes - Not Mental - Psychopathic Institutions - Other Than Not-For-Profit
44430 Health Care Facilities - Convalescent or Nursing Homes - Not Mental - Psychopathic Institutions - Not-For-Profit Only
44431 Health Care Facilities - Homes For The Aged - Other Than Not-For-Profit
44432 Health Care Facilities - Homes For The Aged - Not-For-Profit Only
44433 Health Care Facilities - Homes For The Physically Handicapped or Orphaned - Other Than Not-For-Profit
44434 Health Care Facilities - Homes For The Physically Handicapped or Orphaned - Not-For-Profit Only
44435 Health Care Facilities - Hospitals Other Than Not-For-Profit
44436 Health Care Facilities - Hospitals Not-For-Profit Only
44437 Health Care Facilities - Mental - Psychopathic Institutions - Other Than Not-For-Profit
44438 Health Care Facilities - Mental - Psychopathic Institutions - Not-For-Profit Only
44439 Health Care Facilities - Clinics, Dispensaries or Infirmaries Treating Outpatients Only - No Regular Bed and Board Facilities - Other Than Not-For-Profit
44440 Health Care Facilities - Clinics, Dispensaries or Infirmaries Treating Outpatients Only - No Regular Bed and Board Facilities - Not-For-Profit Only
44500 Home Health Care Services - Not-For-Profit Only
44501 Home Health Care Services - Other Than Not-For-Profit
45190 Hotels and Motels - With Pools or Beaches - Less Than Four Stories
45191 Hotels and Motels - With Pools or Beaches - Four Stories or More
45192 Hotels and Motels - Without Pools or Beaches - Less Than Four Stories
45193 Hotels and Motels - Without Pools or Beaches - Four Stories or More
45210 Bed and Breakfasts
45224 Hunting Preserves - Other Than Not-For-Profit
45225 Hunting Preserves - Not-For-Profit Only
45334 Insurance Agents
45380 Junk Dealers
45450 Kennels - Breeding, Boarding or Sales
45523 Lakes or Reservoirs - Existence Hazard Only - Other Than Not-For-Profit
45524 Lakes or Reservoirs - Existence Hazard Only - Not-For-Profit Only
45539 Land - Occupied By Persons Other Than The Insured For Business Purposes - Lessor's Risk Only
45678 Laundries and Dry Cleaning Plants
45771 Livestock Sales Companies
45819 Lumberyards
45900 Mail Order or Online Drug Stores
45901 Mail Order Houses
45937 Mailing or Addressing Companies
45993 Manufacturers' Representatives
46004 Mausoleums - Other Than Not-For-Profit
46005 Mausoleums - Not-For-Profit Only
46112 Diagnostic Testing Laboratories
46202 Mobile Home Parks or Courts
46362 Model Homes
46426 Museums - Other Than Not-For-Profit
46427 Museums - Not-For-Profit Only
46510 Oil or Gas Wells - Non - Operating Working Interest
46590 Parades
46603 Parking - Public - Not Open Air
46604 Parking - Public - Open Air
46606 Parking - Public - Shopping Centers - Maintained By Lessee Lessor's Risk Only
46607 Parking - Public - Shopping Centers - Maintained By The Insured Lessor's Risk Only
46622 Parking - Private
46671 Parks or Playgrounds
46700 Penal Institutions
46773 Picnic Grounds - Commercially Operated
46822 Political Campaign Headquarters or Offices
46881 Professional and Trade Associations - No Buildings or Premises Owned or Leased Except As Offices - Other Than Not-For-Profit
46882 Professional and Trade Associations - No Buildings or Premises Owned or Leased Except As Offices - Not-For-Profit Only
46911 Race Tracks - Motorized Vehicles - Operators
46912 Race Tracks - Operators
46913 Race Tracks - Motorized Vehicles - Lessor's Risk Only
46914 Racing - Lessor's Risk Only
46915 Race Tracks - Motorized Vehicles - Sponsor's Risk Only
46916 Racing - Sponsor's Risk Only
47050 Real Estate Agents
47051 Real Estate Development Property
47052 Real Estate Property Managed
47103 Recording Studios
47146 Recycling Collection Centers - Other Than Not-For-Profit
47147 Recycling Collection Centers - Not-For-Profit Only
47221 Riding Academies
47253 Rifle or Pistol Ranges - Indoor
47254 Rifle or Pistol Ranges
47318 Rodeos
47367 Sales or Service Organizations
47420 Saunas and Baths - Public
47468 Schools - Correspondence
47469 Schools - Faculty Liability For Corporal Punishment Of Students
47471 Schools - Public - Elementary, Kindergarten or Junior High
47473 Schools - Public - High
47474 Schools - Trade or Vocational
47475 Schools - Private - Elementary, Kindergarten or Junior High - Other Than Not-For-Profit
47476 Schools - Private - Elementary, Kindergarten or Junior High - Not-For-Profit Only
47477 Schools - Private - High - Other Than Not-For-Profit
47478 Schools - Private - High - Not-For-Profit Only
47610 Internet Service Providers
48039 Sewers
48177 Skating Rinks - Ice
48178 Skating Rinks - Roller
48206 Skeet Shooting or Trap Shooting Ranges
48252 Ski Lifts, Tows or Runs
48441 Soap Box Derbies
48557 Social Gatherings and Meetings - On Premises Not Owned or Operated By The Insured - Other Than Not-For-Profit
48558 Social Gatherings and Meetings - On Premises Not Owned or Operated By The Insured - Not-For-Profit Only
48600 Social Services - Consulting Services Only - Operated By The Private Sector
48610 Sports or Outdoor Activities - Commercially Operated
48636 Stockyards
48637 Stadiums - Operated By Insured - Other Than Not-For-Profit
48638 Stadiums - Operated By Insured - Not-For-Profit Only
48727 Streets, Roads, Highways or Bridges - Existence and Maintenance Hazard Only
48808 Sun Tanning Salons
48924 Swimming Pools - Commercially Operated
48925 Swimming Pools
49005 Taxidermists
49111 Tents or Canopies - Loaned or Rented To Others
49181 Theaters - Drive - In
49183 Theaters - Motion Pictures
49184 Theaters - Other Than Not-For-Profit Only
49185 Theaters - Not-For-Profit Only
49239 Tire - Retreading or Recapping
49292 Toll Bridges
49305 Towers - Telecommunication - Existence Hazard Only (lessors Risk Only)
49333 Travel Agency Tours
49451 Vacant Land - Other Than Not-For-Profit
49452 Vacant Land - Not-For-Profit Only
49617 Vending Machine Operations - Confection, Food, Beverage or Ice
49618 Vending Machine Operations - Tobacco Products
49619 Vending Machine Operations
49763 Warehouse - Cold Individual Storage Lockers
49800 Wharf and Waterfront Property - Ferry Docks or Terminals
49801 Wharf and Waterfront Property - Occupied By The Insured For Both Freight and Passenger Purposes
49802 Wharf and Waterfront Property - Not Occupied By The Insured Lessor's Risk Only
49803 Wharf and Waterfront Property - Occupied By The Insured For Freight Purposes Exclusively
49840 Window Decorating
49870 Ymca, Ywca or Similar Institutions
49890 Youth Recreation Programs - Other Than Not-For-Profit
49891 Youth Recreation Programs - Not-For-Profit Only
49902 Zoos - Other Than Not-For-Profit
49903 Zoos - Not-For-Profit Only
50010 Abrasive Wheel Manufacturing
50015 Abrasives or Abrasive Products Manufacturing - Artificial
50017 Abrasives or Abrasive Products Manufacturing
50045 Adhesive Manufacturing
50047 Adhesive Tape Manufacturing
51001 Aerosol Container Manufacturing
51005 Aerosol Containers - Filling or Charging For Others
51116 Air Conditioning Equipment Manufacturing
51201 Aircraft or Aircraft Parts Manufacturing
51205 Alarm Manufacturing - Burglar
51206 Alarm Manufacturing - Fire or Smoke
51210 Alcohol Manufacturing - Not Beverage
51211 Ammunition Manufacturing
51220 Appliances and Accessories Manufacturing - Commercial - Gas
51221 Appliances and Accessories Manufacturing - Commercial - Not Gas
51222 Appliances and Accessories Manufacturing - Household - Gas
51224 Appliances and Accessories Manufacturing - Household - Not Gas
51230 Asbestos Goods Manufacturing
51240 Asphalt or Tar Distilling or Refining
51241 Asphalt Works
51250 Automobile, Bus and Truck Body Manufacturing
51251 Automobile, Bus or Truck Parts Manufacturing - Brakes or Brake Linings
51252 Automobile, Bus or Truck Parts Manufacturing - Not Operating Parts
51253 Automobile, Bus or Truck Parts Manufacturing - Operating Parts
51254 Automobile, Bus or Truck Parts Manufacturing - Passenger Restraining Devices
51255 Automobile Manufacturing or Assembling
51300 Baby Food Manufacturing - In Glass Containers
51305 Baby Food Manufacturing
51315 Bakery Plants
51330 Battery Manufacturing - Dry Cell
51333 Battery Manufacturing - Wet Cell or Storage
51340 Bearing Manufacturing
51350 Beer, Ale or Malt Liquor Manufacturing - In Bottles
51351 Beer, Ale or Malt Liquor Manufacturing - In Cans
51352 Beer, Ale or Malt Liquor Manufacturing - Not Bottled or Canned
51355 Beverage Bottler - Soft Drinks - Carbonated - In Cans or Plastic Bottles
51356 Beverage Bottler - Soft Drinks - Carbonated - In Glass Bottles
51357 Beverage Bottler - Soft Drinks - In Metal Cylinders
51358 Beverage Bottler - Soft Drinks - In Paper Containers
51359 Beverage Bottler - Soft Drinks - Not Carbonated - In Bottles or Cans
51370 Bicycle Manufacturing - Not Motorized
51380 Billiard or Pool Table Manufacturing
51400 Boat or Ship Building - Inboard and Inboard/outboard
51401 Boat or Ship Building - Without Motors
51500 Bolt, Nut, Rivet, Screw or Washer Manufacturing
51516 Bookbinding - Other Than Not-For-Profit
51517 Bookbinding - Not-For-Profit Only
51550 Bottle and Jar Manufacturing - Glass - Not For Use Under Pressure
51551 Bottle and Jar Manufacturing - Glass - For Use Under Pressure - Nonreturnable
51552 Bottle and Jar Manufacturing - Glass - For Use Under Pressure - Returnable
51553 Bottle and Jar Manufacturing - Plastic - Nonreturnable
51554 Bottle and Jar Manufacturing - Plastic - Returnable
51575 Boxes or Containers Manufacturing - Corrugated or Fiberboard
51576 Boxes or Containers Manufacturing - Wood
51600 Brick Manufacturing
51613 Brush or Broom Manufacturing
51625 Bus Manufacturing or Assembling or Reconstruction
51666 Buttons or Fasteners Manufacturing
51702 Camper Bodies or Camper Trailers Manufacturing
51703 Campers Manufacturing - Self - Powered
51734 Can Manufacturing - Metal
51741 Candle Manufacturing
51752 Candy or Confectionery Products Manufacturing
51767 Carbon Paper or Inked Ribbon Manufacturing
51777 Carpet or Rug Manufacturing
51790 Caulking Compounds, Putty or Similar Products Manufacturing
51796 Cellophane and Cellophane Products Manufacturing
51808 Cement, Concrete Mix or Plaster Manufacturing - Packaged
51809 Cement or Plaster Manufacturing - Bulk
51833 Charcoal or Coal Briquette Manufacturing
51850 Chemical Manufacturing - Commercial or Industrial
51851 Chemical Manufacturing - Commercial or Industrial - Toxic and Either Flammable, Explosive or Reactive
51852 Chemical Manufacturing - Commercial or Industrial - Primarily Flammable, Explosive or Reactive
51853 Chemical Manufacturing - Commercial or Industrial - Primarily Toxic or Presenting A Health Hazard
51854 Chemical Manufacturing - Household - Toxic and Either Flammable, Explosive or Reactive
51855 Chemical Manufacturing - Household
51856 Chemical Manufacturing - Household - Primarily Flammable, Explosive or Reactive
51857 Chemical Manufacturing - Household - Primarily Toxic or Presenting A Health Hazard
51869 China, Porcelain or Earthenware Manufacturing
51877 Clay Products Manufacturing
51889 Clock Manufacturing
51896 Clothing Manufacturing
51900 Coffins or Caskets Manufacturing
51909 Coke Manufacturing
51919 Color or Pigment Preparation
51926 Communication or Recording Systems or Equipment Manufacturing - Industrial or Commercial
51927 Communication or Recording Systems or Equipment Manufacturing - Other Than Industrial or Commercial
51934 Composition Goods Manufacturing - Not Floor Coverings
51941 Computer Manufacturing
51942 Computer Software Manufacturing - Pre - Packaged
51956 Concrete - Mixed In Transit
51957 Concrete or Plaster Products Manufacturing - Not Structural
51958 Concrete Products Manufacturing - Prestressed
51959 Concrete Products Manufacturing - Structural
51960 Contact Lenses Manufacturing
51970 Cosmetics Manufacturing
51982 Cotton Batting, Wadding or Waste Manufacturing
51985 Cotton Compressing
51986 Cotton Gin Operations
51999 Cutlery (not Powered) and Flatware Manufacturing
52002 Dairy Products Manufacturing
52075 Detergent Manufacturing - Household
52076 Detergent Manufacturing - Other Than Household
52109 Dextrine Manufacturing
52134 Door or Window Manufacturing - Other Than Wood
52137 Die Casting Manufacturing
52150 Distillation or Extraction
52315 Door or Window Manufacturing - Wood
52341 Drug Manufacturing - Biological Products
52342 Drug, Medicine or Pharmaceutical Preparations Manufacturing - For Animal Use
52343 Drug, Medicine or Pharmaceutical Preparations Manufacturing - Other Than For Animal Use
52401 Drums or Containers Manufacturing - Metal
52402 Drums or Containers Manufacturing - Plastic
52432 Electrical Equipment Manufacturing - Other Than For Direct and Indirect Application To The Body
52433 Electrical Equipment Manufacturing - For Direct and Indirect Application To The Body
52435 Electrical Generating Machinery Manufacturing
52438 Electrical Parts, Components or Accessories Manufacturing
52440 Electrical Power Distribution or Transmission Equipment Manufacturing
52467 Electrical Wire or Cable Manufacturing
52469 Electronic Components Manufacturing
52505 Electronic Games Manufacturing
52547 Electroplating
52581 Elevator Manufacturing
52619 Engine or Turbine Manufacturing - Not Aircraft
52660 Engraving
52744 Escalator or Moving Sidewalk Manufacturing
52767 Exercise or Playground Equipment Manufacturing
52876 Explosive or Fireworks Manufacturing
52911 Extracts Manufacturing
52967 Eye Glass Lens Manufacturing
53001 Feed Manufacturing
53077 Fertilizer Manufacturing
53095 Fiber Manufacturing - Other Than Synthetic
53096 Fiber Manufacturing - Synthetic
53121 Fiberglass Manufacturing
53147 Fire Extinguishers Manufacturing
53229 Fire Suppression Systems Manufacturing
53271 Firearms Manufacturing
53333 Floor Covering Manufacturing - Not Carpets, Rugs, Ceramic or Stone Tiles
53374 Food Products Manufacturing - Dry
53375 Food Products Manufacturing - Frozen
53376 Food Products Manufacturing - Not Dry - In Glass Containers
53377 Food Products Manufacturing - Not Dry - In Other Than Glass Containers
53403 Forging Work
53425 Foundries
53565 Fruit or Vegetable Juice Manufacturing - No Bottling Of Carbonated Beverages
53631 Fur Garment Manufacturing
53632 Fur or Pelt Processing
53731 Furniture Manufacturing or Assembling - Infants
53732 Furniture Manufacturing or Assembling - Other Than Wood
53733 Furniture Manufacturing or Assembling - Wood
53734 Furniture or Woodwork Stripping, Refinishing or Repairing - Shop Only
53803 Galvanizing or Tinning
53901 Gas Manufacturing - Toxic and Either Flammable, Explosive or Reactive
53902 Gas Manufacturing - Inert
53903 Gas Manufacturing - Other
53904 Gas Manufacturing - Primarily Flammable, Explosive or Reactive
53905 Gas Manufacturing - Primarily Toxic or Presenting A Health Hazard
53907 Gasoline Distributors
53951 Biofuels Manufacturing - Ethanol
53952 Biofuels Manufacturing - Other Than Ethanol
53953 Nanomaterial Manufacturing
54012 Gemstone Cutting or Polishing
54077 Glass or Glassware Manufacturing
54444 Manufacturers
55010 Heating Equipment Manufacturing - Coal or Wood
55011 Heating Equipment Manufacturing - Electric
55012 Heating Equipment Manufacturing - Fuel Oil or Kerosene
55013 Heating Equipment Manufacturing - Gas or Liquefied Petroleum Gas
55014 Solar Energy Equipment Manufacturing
55214 Hone, Oilstone or Whetstone Manufacturing
55371 Honey Extracting
55410 Importers
55426 Ink Manufacturing
55597 Inner Tubes Manufacturing
55647 Instrument Manufacturing - Analytical, Calibrating, Measuring, Testing or Recording
55648 Instrument Manufacturing - Control
55649 Instrument Manufacturing
55715 Insulating Material Manufacturing - Mineral
55716 Insulating Material Manufacturing - Organic
55717 Insulating Material Manufacturing - Plastic - For Application In A Solid State
55718 Insulating Material Manufacturing - Plastic
55802 Jewelry Manufacturing
55918 Ladder Manufacturing - Other Than Wood
55919 Ladder Manufacturing - Wood
56040 Lamp Shade Manufacturing
56041 Lamps or Lanterns Manufacturing - Electric
56042 Lamps or Lanterns Manufacturing - Other Than Electric
56170 Lead Manufacturing - Red or White
56171 Lead Works - Sheet, Pipe or Shot
56202 Leather Goods Manufacturing
56390 Light Bulb or Tubes Manufacturing
56391 Lighting Fixtures Manufacturing
56427 Lime Manufacturing
56488 Liquor Manufacturing
56567 Lubricants Manufacturing - Grease
56650 Machinery or Machinery Parts Manufacturing - Construction, Mining or Materials Handling Type
56651 Machinery or Machinery Parts Manufacturing - Farm Type
56652 Machinery or Machinery Parts Manufacturing - Industrial Type
56653 Machinery or Machinery Parts Manufacturing - Metalworking
56654 Machinery or Machinery Parts Manufacturing
56690 Match Manufacturing
56699 Mattress or Box Spring Manufacturing
56758 Meat, Fish, Poultry or Seafood - Curing
56759 Meat, Fish, Poultry or Seafood Processing - In Airtight Containers
56760 Meat, Fish, Poultry or Seafood Processing - Not In Airtight Containers
56805 Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing - Expendable
56806 Medical, Dental, Hospital or Surgical Equipment or Supplies Manufacturing - Nonexpendable
56807 Medical, Dental, Hospital or Surgical Instruments Manufacturing
56808 Medical, Dental or Surgical Diagnostic or Treatment Machines or Devices Manufacturing
56900 Metals - Extraction or Refining
56910 Metal Foil Manufacturing
56911 Metal Goods Manufacturing
56912 Metal Goods Manufacturing - Stamping - Not Signs
56913 Metal Heat Processing
56915 Metal Works - Shop - Structural - Load Bearing
56916 Metal Works - Shop - Structural - Not Load Bearing
56917 Metals - Extraction or Refining - Chemical Processes
56918 Metals - Extraction or Refining - Electrometallurgical Processes
56919 Metals - Extraction or Refining Of Ferrous Metals - Blast Furnace or Other Pyrometallurgical Processes
56920 Metals - Extraction or Refining Of Nonferrous Metals - Blast Furnace or Other Pyrometallurgical Processes
56980 Mica Goods Manufacturing
57001 Milk Depots or Dealers
57002 Milk Processing
57090 Mobile Home Manufacturing
57146 Modular Units Manufacturing
57202 Motorcycle, Moped or Motor Scooter Manufacturing
57257 Musical Instrument Manufacturing
57401 Nails or Spikes Manufacturing
57403 Needles, Pins or Tacks Manufacturing
57410 Net Manufacturing - Other Than Safety Nets
57411 Net Manufacturing - Safety Nets
57572 Office Machines Manufacturing
57600 Optical Goods Manufacturing
57611 Ore Milling or Processing
57625 Orthopedic, Ambulation or Prosthetic Devices Manufacturing
57651 Packing Houses
57690 Paint, Varnish, Shellac or Lacquer Manufacturing
57716 Paper Coating or Finishing
57725 Paper Goods Manufacturing
57726 Paper Manufacturing
57798 Parachute Manufacturing
57800 Media Manufacturing - Blank
57808 Pattern Manufacturing - Metal
57809 Pattern Manufacturing - Other
57810 Pattern Manufacturing - Paper
57871 Pencil, Pen, Crayon or Chalk Manufacturing
57913 Pet Food Manufacturing
57997 Photo Finishing Laboratories
57998 Photographic Equipment Manufacturing
57999 Photographic Supplies Manufacturing
58009 Pipes or Tubes Manufacturing - Metal
58010 Pipes or Tubes Manufacturing - Plastic
58020 Pipes Manufacturing - Tobacco
58056 Plastic Manufacturing - Raw Material
58057 Plastic or Rubber Goods Manufacturing - Household
58058 Plastic or Rubber Goods Manufacturing - Other Than Household
58095 Plumbing Fixtures Manufacturing
58096 Plumbing Supplies Manufacturing
58301 Plywood, Veneer or Veneer Products Manufacturing - Other
58302 Plywood, Veneer or Veneer Products Manufacturing - Without Log Processing
58397 Prefabricated Building Manufacturing
58408 Printing - Other Than Not-For-Profit
58409 Printing - Not-For-Profit Only
58456 Publishers - Books or Magazines - Other Than Not-For-Profit
58457 Publishers - Books or Magazines - Not-For-Profit Only
58458 Publishers - Newspapers - Other Than Not-For-Profit
58459 Publishers - Newspapers - Not-For-Profit Only
58503 Pulp Manufacturing
58532 Pumps or Compressors Manufacturing
58559 Railroad Engine Manufacturing
58560 Railroad or Other Public Conveyance Cars Manufacturing
58561 Railroad or Other Public Conveyance Cars Parts Manufacturing
58575 Razor or Razor Blades Manufacturing
58627 Media Manufacturing - Pre - Recorded
58663 Refrigeration Equipment Manufacturing
58682 Rendering Works
58713 Rolling Mills - Cold or Hot Process
58737 Rope Manufacturing
58756 Rubber Manufacturing
58757 Rubber Reclaiming
58759 Rubber Stamp Manufacturing or Assembling
58802 Saddles, Harnesses or Horses Furnishings Manufacturing
58813 Safes or Safe Vaults Manufacturing
58822 Sail Making
58837 Salt, Borax, Potash or Phosphate - Producing or Refining
58840 Salt Manufacturing
58873 Saw Mills or Planing Mills
58903 Sewing Machines Manufacturing - Commercial
58904 Sewing Machines Manufacturing - Household
58922 Sheet Metal Work - Shop Only
59005 Shoe, Boot or Slipper Manufacturing
59057 Sign Manufacturing - Electrical
59058 Sign Manufacturing - Other Than Electrical
59188 Slate Milling
59189 Slate Splitting or Slate Roofing Manufacturing
59223 Soap Manufacturing
59257 Sponge Processing
59306 Sporting Goods or Athletic Equipment Manufacturing
59378 Steel Wool or Wire Wool Manufacturing
59481 Stone Crushing
59482 Stone Cutting or Polishing
59537 Sugar Refining
59601 Swimming Pools or Accessories Manufacturing
59647 Syrups or Molasses - Refining, Blending or Manufacturing
59660 Tank Building or Manufacturing - Metal - Not Pressurized
59661 Tank Building or Manufacturing - Metal - Pressurized
59693 Tanning - Animal Hides
59695 Telecommunication Equipment Manufacturing
59701 Television Picture Tube Manufacturing
59713 Tent or Canopy Manufacturing
59722 Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing or Silk Screening - New Goods
59723 Textile Coating or Impregnating
59724 Textile Manufacturing - Impregnated or Coated
59725 Textile Products Manufacturing - Fabricated
59726 Textile Spinning, Weaving or Knitting Mills
59738 Tie, Post or Pole Yard
59750 Tire Manufacturing - Auto, Bus or Truck
59751 Tire Manufacturing - Not Auto, Bus or Truck
59773 Tobacco Products Manufacturing - Cigars or Cigarettes
59774 Tobacco Products Manufacturing - Other
59775 Tobacco Products Manufacturing - Plug or Snuff
59781 Tool Manufacturing - Accessories
59782 Tool Manufacturing - Hand Type - Not Powered
59783 Tool Manufacturing - Hand Type - Powered
59784 Tool Manufacturing - Power Equipment - Household Type - Outdoor or Workshop
59790 Toys or Games Manufacturing
59798 Trailers Manufacturing
59806 Truck Manufacturing or Assembling
59867 Turpentine or Resin Manufacturing
59886 Twine or Cordage Manufacturing
59889 Umbrella or Cane Manufacturing
59892 Valves Manufacturing
59904 Vegetable Oil Manufacturing - By Solvent Extraction
59905 Vegetable Oil Manufacturing
59914 Metal Works - Shop - Decorative or Artistic
59915 Vending Machines Manufacturing
59917 Venetian Blinds Manufacturing or Assembling
59923 Watch or Watch Case Manufacturing
59925 Water Bottling - In Siphons
59926 Water Bottling - Spring or Well - Not Sparkling or Carbonated
59927 Water Bottling - Spring or Well - Sparkling or Carbonated
59931 Wax or Wax Products Manufacturing
59932 Wax, Wax Products or Polish Manufacturing - Floor
59941 Wheel Manufacturing
59947 Wicker, Rattan, Willow or Twisted Fiber Products Manufacturing
59955 Wigs or Hair Pieces Manufacturing
59963 Wine Manufacturing - Sparkling
59964 Wine Manufacturing - Still
59970 Wire Cloth Manufacturing
59973 Wire Drawing
59975 Wire Goods Manufacturing
59977 Wire Rope or Cable Manufacturing - Metal
59984 Wood Preserving
59985 Wood Products Manufacturing
59986 Wood Turned Products Manufacturing
59988 Wool Combing, Scouring or Separating From Cotton
59989 Wool Pulling
60010 Apartment Buildings
60011 Apartment Buildings - Garden
60012 Apartment Buildings or Hotels Time - Sharing - Less Than 4 Stories
60013 Apartment Buildings or Hotels Time - Sharing - 4 Stories or More
60015 Apartment Hotels - Less Than 4 Stories
60016 Apartment Hotels - 4 Stories or More
60035 Automobile Renting or Leasing Companies
61000 Boarding or Rooming Houses
61212 Buildings or Premises - Bank or Office - Mercantile or Manufacturing Lessor's Risk Only - Other Than Not-For-Profit
61216 Buildings or Premises - Bank or Office - Mercantile or Manufacturing Lessor's Risk Only - Not-For-Profit Only
61217 Buildings or Premises - Bank or Office - Mercantile or Manufacturing Lessor's Risk Only - Maintained By The Insured - Other Than Not-For-Profit
61218 Buildings or Premises - Bank or Office - Mercantile or Manufacturing Lessor's Risk Only - Maintained By The Insured - Not-For-Profit Only
61223 Buildings or Premises - Bank and Other Financial Institutions
61224 Buildings or Premises - Office - Premises Occupied By Employees Of The Insured - Other Than Not-For-Profit
61225 Buildings or Premises - Office - Premises Occupied By Employees Of The Insured - Not-For-Profit Only
61226 Buildings or Premises - Office - Other Than Not-For-Profit
61227 Buildings or Premises - Office - Not-For-Profit Only
62000 Condominiums - Commercial - Bank or Mercantile, Manufacturing or Office (association Risk Only)
62001 Condominiums - Commercial Shopping Centers (association Risk Only)
62002 Condominiums - Commercial Warehouses - Manufacturing or Private (association Risk Only)
62003 Condominiums - Residential - (association Risk Only)
63010 Dwellings - One - Family Lessor's Risk Only
63011 Dwellings - Two - Family Lessor's Risk Only
63012 Dwellings - Three - Family Lessor's Risk Only
63013 Dwellings - Four - Family Lessor's Risk Only
63215 Exhibition or Convention Buildings - Other Than Not-For-Profit
63216 Exhibition or Convention Buildings - Not-For-Profit Only
63217 Exhibitions - In Buildings - Other Than Not-For-Profit
63218 Exhibitions - In Buildings - Not-For-Profit Only
63219 Exhibitions - In Buildings - No Admission Charged - Other Than Not-For-Profit
63220 Exhibitions - In Buildings - No Admission Charged - Not-For-Profit Only
64074 Hotels and Motels - Lessor's Risk Only - Less Than Four Stories
64075 Hotels and Motels - Lessor's Risk Only - Four Stories or More
64500 Housing Projects - Federal, State, Local
65007 Labor Union Offices
66122 Lawyers Offices - Other Than Not-For-Profit
66123 Lawyers Offices - Not-For-Profit Only
66309 Libraries
66561 Medical Offices
67017 Shelters, Mission, Settlement or Halfway Houses - Not Church or Office Building
67508 Schools - Colleges, Universities, Junior Colleges or College Preparatory Other Than Not-For-Profit
67509 Schools - Colleges, Universities, Junior Colleges or College Preparatory Not-For-Profit Only
67510 Schools - Dormitory Facilities - Other Than Not-For-Profit
67511 Schools - Dormitory Facilities - Not-For-Profit Only
67512 Schools - Other Than Not-For-Profit
67513 Schools - Not-For-Profit Only
67634 Shopping Centers - Indoor Malls - Buildings or Premises Not Occupied By The Insured Lessor's Risk Only
67635 Shopping Centers - Buildings or Premises Not Occupied By The Insured Lessor's Risk Only
68001 Taxicab Companies
68439 Ticket Agencies
68500 Townhouses or Similar Associations (association Risk Only)
68604 Vacant Buildings - Factories
68606 Vacant Buildings - Not Factories - Other Than Not-For-Profit
68607 Vacant Buildings - Not Factories - Not-For-Profit Only
68702 Warehouses - Occupied By Multiple Interests Lessor's Risk Only
68703 Warehouses - Occupied By Single Interest Lessor's Risk Only
68706 Warehouses - Private - Other Than Not-For-Profit
68707 Warehouses - Private - Not-For-Profit Only
90089 Advertising Sign Companies - Outdoor
91111 Air Conditioning Systems or Equipment - Dealers or Distributors and Installation, Servicing or Repair
91125 Airport Runway or Warming Apron - Paving or Repaving, Surfacing, Resurfacing or Scraping
91127 Alarms and Alarm Systems - Installation, Servicing or Repair
91130 Alarms - Security Systems - Monitoring
91135 Analytical Chemists
91150 Appliances and Accessories - Installation, Servicing or Repair - Commercial
91155 Appliances and Accessories - Installation, Servicing or Repair - Household
91160 Armored Car Service Companies
91175 Auctioneers - Livestock - Sales Conducted Away From The Insured's Premises
91177 Auctioneers - Sales Conducted Away From The Insured's Premises
91179 Auctions - On Premises Owned or Rented By The Insured
91190 Automobile Dismantling
91200 Blacksmithing
91210 Blasting Operations
91235 Boat Repair and Servicing
91250 Boiler Inspection, Installation, Cleaning or Repair
91265 Bridge or Elevated Highway Construction - Iron or Steel
91266 Bridge or Elevated Highway Construction - Concrete
91280 Building Structure - Raising or Moving
91302 Cable Installation In Conduits or Subways
91315 Cable or Subscription Television Companies
91324 Caisson or Cofferdam Work - Foundations For Buildings
91325 Caisson or Cofferdam Work - Not Foundations For Buildings
91340 Carpentry - Construction Of Residential Property Not Exceeding Three Stories In Height
91341 Carpentry - Interior
91342 Carpentry
91343 Carpentry - Shop Only
91405 Carpet, Rug, Furniture or Upholstery Cleaning - On Customers' Premises
91436 Ceiling or Wall Installation - Metal
91481 Chimney Cleaning
91507 Clay or Shale Digging
91523 Cleaning - Outside Surfaces Of Buildings & Other Exterior Surfaces
91547 Commissary Work
91551 Communication Equipment Installation - Industrial or Commercial
91555 Computer Service or Repair
91560 Concrete Construction
91562 Concrete or Cement Distributing Towers - Rented To Others - Installation, Repair or Removal Operations Only
91577 Conduit Construction For Cables or Wires
91580 Contractors - Executive Supervisors or Executive Superintendents
91581 Contractors - Subcontracted Work - In Connection With Construction, Reconstruction, Erection or Repair - Not Buildings
91582 Contractors - Subcontracted Work - In Connection With Building Construction, Reconstruction, Repair or Erection - Apartment or Office Buildings Over Four Stories
91583 Contractors - Subcontracted Work - In Connection With Building Construction, Reconstruction, Repair or Erection - One - or Two - Family Dwellings
91584 Contractors - Subcontracted Work - In Connection With Construction, Reconstruction, Repair or Erection Of Buildings - For Industrial Use
91585 Contractors - Subcontracted Work - In Connection With Construction, Reconstruction, Repair or Erection Of Buildings
91586 Contractors - Subcontracted Work - In Connection With Oil and Gas Field Construction, Reconstruction or Repair
91587 Contractors - Subcontracted Work - In Connection With Pipeline (other Than Oil or Gas) or Communication or Power Line Construction, Reconstruction or Repair
91588 Contractors - Subcontracted Work - In Connection With Bridge, Tunnel, Elevated Street or Highway Construction, Reconstruction or Repair
91589 Contractors - Subcontracted Work - In Connection With Street or Highway Construction or Repair, Not Elevated
91590 Contractors Permanent Yards - Maintenance or Storage Of Equipment or Material
91591 Contractors - Subcontracted Work - Other Than Construction - Related Work
91600 Construction or Project Manager
91606 Crop Spraying - By Contractors
91618 Dam or Reservoir Construction
91629 Debris Removal - Construction Site
91636 Detective or Investigative Agencies - Private
91641 Dike, Levee or Revetment Construction
91666 Diving - Marine
91722 Dock Operations - Coal, Grain or Ore
91746 Door, Window or Assembled Millwork - Installation - Metal
91805 Draftsmen
92053 Dredging - Gold - Endless Bucket or Ladder Type
92054 Dredging - Gold - Floating Dragline Type
92055 Dredging
92101 Drilling - Other Than Water
92102 Drilling - Water
92215 Driveway, Parking Area or Sidewalk - Paving or Repaving
92338 Dry Wall or Wallboard Installation
92445 Electric Light or Power Companies
92446 Electric Light or Power Line Construction
92447 Electric Light or Power Line Construction - Rural Utilities Service Projects Only
92451 Electrical Apparatus - Installation, Servicing or Repair
92453 Electric Light or Power Cooperatives - Rural Utilities Service Projects Only
92478 Electrical Work - Within Buildings
92593 Elevator or Escalator Inspecting, Installation, Servicing or Repair
92663 Engineers or Architects - Consulting - Not Engaged In Actual Construction
94007 Excavation
94099 Express Companies
94225 Farm Machinery Operations - By Contractors
94276 Fence Erection Contractors
94304 Fire Extinguishers - Servicing, Refilling or Testing
94381 Fire Suppression Systems - Installation, Servicing or Repair
94404 Fireproofing - Structures
94444 Contractors
94569 Floor Covering Installation - Not Ceramic Tile or Stone
94590 Floor Waxing
94617 Freight Forwarders or Handlers - Other Than Packing, Handling or Shipping Explosives or Ammunition Under Contract
94638 Freight Forwarders or Handlers - Packing, Handling or Shipping Explosives or Ammunition Under Contract
95124 Furniture or Fixtures - Installation In Offices or Stores - Portable - Metal or Wood
95233 Garbage, Ash or Refuse Collecting
95305 Gas Companies
95306 Gas Companies - Natural Gas - Local Distribution
95310 Gas Mains or Connections Construction
95357 Geophysical Exploration - Other
95358 Geophysical Exploration - Seismic Method
95410 Grading Of Land
95455 Grain Elevator Operations
95487 Greenhouse Erection
95505 Guniting or Shot - Crete
95620 Gunsmiths
95625 Handyperson
95630 Hazardous Material Contractors
95647 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
95648 Heating or Combined Heating and Air Conditioning Systems or Equipment - Dealers or Distributors and Installation, Servicing or Repair
96053 House Furnishings Installation
96317 Inspection and Appraisal Companies - Inspecting For Insurance or Valuation Purposes
96408 Insulation Work - Plastic
96409 Insulation Work - Organic or Plastic In Solid State
96410 Insulation Work - Mineral
96611 Interior Decorators
96702 Irrigation or Drainage System Construction
96703 Irrigation Works Operations
96816 Janitorial Services
96872 Jetty or Breakwater Construction
96930 Web Site Designers
97002 Laboratories - Research, Development or Testing - Other Than Not-For-Profit
97003 Laboratories - Research, Development or Testing - Not-For-Profit Only
97047 Landscape Gardening
97050 Lawn Care Services
97111 Logging and Lumbering
97220 Machine Shops
97221 Machinery or Equipment - Farm - Installation, Servicing, Repair or Erection
97222 Machinery or Equipment - Industrial - Installation, Servicing or Repair
97223 Machinery or Equipment - Installation, Servicing or Repair
97308 Marine Appraisers or Surveyors
97447 Masonry
97502 Solar Energy Systems - Existence Hazard Only Lessor's Risk Only
97503 Wind Turbines - Existence Hazard Only Owner - Operated
97504 Wind Turbines - Existence Hazard Only Lessor's Risk Only
97650 Metal Erection - Decorative or Artistic
97651 Metal Erection - Frame Structures Iron Work On Outside Of Buildings
97652 Metal Erection - In The Construction Of Dwellings Not Exceeding 2 Stories In Height
97653 Metal Erection - Nonstructural
97654 Metal Erection - Steel Lock Gates, Gasholders, Standpipes, Water Towers, Smokestacks, Tanks, Silos, Prison Cells, Fire or Burglarproof Vaults
97655 Metal Erection - Structural
98002 Mining
98003 Mining - Surface
98090 Motion Pictures - Development Of Negatives, Printing and All Subsequent Operations
98091 Motion Pictures - Film Distribution or Exchanges - Not Located At Motion Picture Studios
98092 Motion Pictures - Production - Studios or Outside - All Operations Prior To The Development Of Negatives
98111 Office Machines or Appliances - Installation, Inspection, Adjustment or Repair
98150 Oil or Natural Gas Lease Operations
98151 Oil or Gas Lease Operations - Natural Gas - Within The Limits Of Any Town or City On The Right - Of - Way Of Any Railroad or In Any Ocean, Gulf or Bay
98152 Oil or Gas Lease Work By Contractors - Not Lease Operation
98153 Oil or Gas Wells - Acidizing
98154 Oil or Gas Wells - Cementing
98155 Oil or Gas Wells - Cleaning or Swabbing By Contractors
98156 Oil or Gas Wells - Cleaning or Swabbing By Contractors - Within The Limits Of Any Town or City, On The Right - Of - Way Of Any Railroad or In Any Ocean, Gulf or Bay
98157 Oil or Gas Wells - Drilling or Redrilling, Installation or Recovery Of Casing
98158 Oil or Gas Wells - Drilling or Redrilling, Installation or Recovery Of Casing - Within The Limits Of Any Town or City, On The Right - Of - Way Of Any Railroad or In Any Ocean, Gulf or Bay
98159 Oil or Gas Wells - Instrument Logging or Survey Work In Wells
98160 Oil or Gas Wells - Perforating Of Casing
98161 Oil or Gas Wells - Servicing - By Contractors
98162 Oil or Gas Wells - Shooting
98163 Oil Rig or Derrick Erecting or Dismantling - Wood or Metal
98164 Oil Still Erection or Repair
98257 Orchards and Vineyards - Operation By Contractors
98303 Painting - Exterior - Buildings or Structures - Exceeding Three Stories In Height
98304 Painting - Exterior - Buildings or Structures - Three Stories or Less In Height
98305 Painting - Interior - Buildings or Structures
98306 Painting - Oil or Gasoline Tanks
98307 Painting - Ship Hulls
98308 Painting - Shop Only
98309 Painting - Steel Structures or Bridges
98344 Paperhanging
98405 Piano Tuning
98413 Pile Driving - Building Foundation Only
98414 Pile Driving - Other
98415 Pile Driving - Sonic Method
98423 Pipeline Construction - Gas
98424 Pipeline Construction - Other
98425 Pipeline Construction - Oil
98426 Pipeline Construction - Slurry - Nonflammable Mixtures
98427 Pipelines - Operation - Gas
98428 Pipelines - Operation - Other
98429 Pipelines - Operation - Oil
98430 Pipelines - Operation - Slurry - Nonflammable Mixtures
98449 Plastering or Stucco Work
98482 Plumbing - Commercial and Industrial
98483 Plumbing - Residential or Domestic
98502 Prefabricated Building Erection
98555 Quarries
98597 Radio or Tv Broadcasting Stations - Other Than Not-For-Profit
98598 Radio or Tv Broadcasting Stations - Not-For-Profit Only
98601 Railroad Construction
98622 Railroads - Operation and Maintenance - With Bi Passenger Hazard
98623 Railroads - Operation and Maintenance - Without Bi Passenger Hazard
98624 Railroads - Shop Operation and Maintenance
98636 Refrigeration Systems or Equipment - Dealers and Distributors and Installation, Servicing or Repair - Commercial
98640 Renovating - Outside Surfaces Of Buildings
98658 Rigging - Not Ship or Boat
98659 Rigging - Ship or Boat
98677 Roofing - Commercial or Residential Over Three Stories
98678 Roofing - Residential - Three Stories and Under
98698 Salvage Operations
98699 Salvage Operations - Removing, Sorting, Reconditioning and Distributing Of Merchandise In Damaged Buildings and Incidental Operations Away From Such Buildings
98705 Sandblasting
98710 Sand or Gravel Digging
98751 Security and Patrol Agencies
98806 Septic Tank Systems - Installation, Servicing or Repair
98810 Sewage Disposal - Plant Operations
98813 Sewer Cleaning
98820 Sewer Mains or Connections Construction
98871 Shaft Sinking
98884 Sheet Metal Work - Outside
98914 Ship Ceiling or Scaling
98949 Ship Repair or Conversion
98967 Siding Installation
98993 Sign Erection, Installation or Repair
99003 Sign Painting or Lettering - Inside Of Buildings
99004 Sign Painting or Lettering - On Buildings or Structures
99080 Solar Energy Contractors
99081 Solar Electric Farms
99082 Wind Farms - On - Shore
99083 Wind Farms - Off - Shore
99085 Wind Turbine Contractors - Installation, Service, or Repair - Off - Shore
99086 Wind Turbine Contractors - Installation, Service, or Repair - On - Shore
99111 Stables - Boarding, Livery or Racing
99160 Steam Heating or Steam Power Companies
99163 Steam Mains or Connections Construction
99165 Steam Pipe or Boiler Insulation
99220 Stevedoring - By Hand or By Means Of Hand Trucks Exclusively - No Hoisting Of Cargo
99221 Stevedoring - Handling Explosives or Ammunition - Under Contract
99222 Stevedoring
99223 Stevedoring - Tallyers or Checking Clerks Engaged In Connection With Stevedoring Work
99303 Street Cleaning
99310 Snow & Ice Removal - Contractor
99315 Street or Road Construction or Reconstruction
99321 Street or Road Paving or Repaving, Surfacing or Resurfacing or Scraping
99471 Surveyors - Land - Not Engaged In Actual Construction
99505 Swimming Pool Servicing
99506 Swimming Pools - Installation, Servicing or Repair - Above Ground
99507 Swimming Pools - Installation, Servicing or Repair - Below Ground
99570 Tank Construction, Installation, Erection or Repair - Metal - Not Pressurized
99571 Tank Construction, Installation, Erection or Repair - Metal - Pressurized
99572 Tank Construction, Installation, Erection or Repair - Metal - Not Pressurized - Within Buildings Exclusively
99573 Tank Construction, Installation, Erection or Repair - Metal - Pressurized - Within Buildings Exclusively
99600 Telecommunications Service Providers
99613 Telephone, Telegraph or Cable Television Line Construction
99614 Telegraph Companies
99620 Teleproduction Studios
99650 Television or Radio Receiving Set Installation or Repair
99709 Tent or Canvas Goods - Erection, Removal or Repair - Away From Shop
99718 Theatrical Companies - Traveling
99746 Tile, Stone, Marble, Mosaic or Terrazzo Work - Interior Construction
99760 Tobacco Rehandling or Warehousing
99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
99793 Truckers
99798 Tunneling
99803 Underpinning Buildings or Structures
99826 Upholstering
99827 Upholstering - Shop Only
99851 Veterinarian or Veterinary Hospitals
99917 Warehouse - Cold Storage - Public
99938 Warehouses
99943 Water Companies
99946 Water Mains or Connections Construction
99948 Water Softening Equipment - Installation, Servicing or Repair
99952 Waterproofing - By Pressure Apparatus
99953 Waterproofing - By Trowel - Exterior
99954 Waterproofing - By Trowel - Interior or Insulation Work
99955 Waterproofing
99963 Weighers, Samplers or Inspectors Of Merchandise - On Vessels or Docks or At Railway Stations or Warehouses
99969 Welding or Cutting
99975 Window Cleaning
99986 Wrecking - Buildings or Structures
99987 Wrecking - Dismantling Of Prefabricated Dwellings Not Exceeding Three Stories For Reerection
99988 Wrecking - Marine

The Bottom Line On General Liability Class Codes For Commercial Insurance

Finding the best fit general liability class codes for commercial insurance is important to making sure your business is has the right coverage at correct rate.

More Helpful Commercial Insurance Articles

Read other informative articles on small business commercial insurance including costs and coverages.


Small Business Insurance Articles

Get useful tips and information about how much commercial insurance costs, small business risks and exposures, how insurance regulations effect your businesses' and detailed descriptions of coverages and exclusions and more. Most small businesses need to buy the following four types of insurance at a minimum to cover their operations from every day risks:

Property Insurance: This policy covers a business if the property used in the business is damaged or stolen as the result of common perils like fire or theft. Commercial property insurance covers the buildings, structures and also business personal property - which includes furniture, inventory, raw materials, machinery, computers and other items.

Liability Insurance: Any company can be sued. Slip-and fall lawsuits are very common and be costly. Customers can claim you injured them or damaged their property - and lawsuits are very expensive. Commercial liability insurance pays damages and can include attorney's fees and other legal expenses. It also ca pay for the medical bills of injured third parties

Commercial Auto Insurance: For vehicles owned by the business. Commercial auto insurance pays bodily injury or property damage costs for which the business is found liable - up the the policy limits for liability and property damage.

Workers Compensation Insurance: In almost every state employers must provide workers comp when there are W2 employees. Workers compensation pays for the medical care of employees and can replace a portion of lost wages - regardless of who was at fault for the injuries.


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