Nationwide CustomPak SM PRODUCT AND CLASS GUIDE

Transcription

1 Nationwide CustomPak SM PRODUCT AND CLASS GUIDE Nationwide CustomPak SM AUTO SERVICES BUSINESS SERVICES CONTRACTORS PRODUCT AND CLASS GUIDE MANUFACTURING/PROCESSING RESTAURANTS RETAIL WHOLESALE/DISTRIBUTING Based on ISO coverage forms

2 ii Nationwide CustomPak Introduction... 1 Anatomy of CustomPak SM...2 Eligibility criteria....4 Property enhancements...6 CorePak property coverage FlexPak property coverage Business Income and extra expense enhancements...9 Corepak business income and extra expense coverage Flexpak business income and extra expense coverage General liability enhancements Various endorsements providing built-in general liability enhancements Optional coverages for all risks, subject to additional premium Hired auto and/or nonowned auto liability total building replacement cost protection Crime Optional coverages for specific market segments, subject to additional premium auto services Business services Contractors manufacturing/processing Restaurants Retail wholesale/distributing Optional coverages for specific industry groups, subject to additional premium Barbers and beauticians domestic pet sales and services dry cleaners and laundries Florists and nurseries Funeral homes and mortuaries Janitorial services optical and hearing aid establishments Printers and copy shops Veterinarians eligibility auto services Business services Contractors manufacturing/processing Restaurants Retail wholesale/distributing incidental operations Nationwide s commercial lines product portfolio....37

3 Nationwide CustomPak 1 Nationwide CustomPak SM IT S COMPREHENSIVE. IT S COMPETITIVELY PRICED. IT S MARKET-DRIVEN. Nationwide CustomPak SM is an ISO-based, hybrid product that combines the flexibility of the Commercial Package Policy (CPP) with the broad, built-in protection of a business owners policy (BOP). As a result, your agency has the ideal alternative to the CPP in meeting the coverage needs of your small to midsized commercial accounts with a comprehensive product that s packaged and priced for maximum insurance value. With CustomPak: only one minimum premium applies for all coverage parts, compared to a separate minimum premium charge for each coverage part with the CPP product. a bundled tier approach enables your clients to choose the coverage level most suitable to their needs: CorePak provides significant direct damage, time element, inland marine and crime coverages, as well as enhanced general liability coverage, as part of the base cost of the product. FlexPak is available for an additional premium charge, and gives your agency the ability to offer higher base limits with the opportunity to increase numerous limits even further. CustomPak can serve as the perfect product for nearly 500 ISO general liability classifications whose primary operations fall within the following markets you typically serve. A complete list of eligible CustomPak classifications appears on Pages 20 through 36 of this guide. Product details are contained on Pages 2 through 18. Auto services Business services Contractors Manufacturing/processing Restaurants Retail Wholesale/distributing Note: The information contained in this guide is intended solely to highlight the key product features of the CustomPak policy and the business classifications that are eligible for the product. While every attempt was made to ensure accuracy of the information contained within, in the event there are discrepancies between the information in this guide and the coverage forms, the terms of the coverage forms will govern. For complete product details, terms, conditions and limitations, refer to the coverage forms or consult your underwriter.

4 2 Nationwide CustomPak Anatomy of CustomPak ṢM Barbers and Beauticians Professional liability coverage Domestic Pet Sales and Services Enhanced property coverage Professional liability coverage Dry Cleaners and Laundries Enhanced property coverage Funeral Homes and Mortuaries Enhanced property coverage Professional liability coverage Janitorial Services Enhanced property coverage Veterinarians Professional liability coverage AUTO SERVICES Enhanced property coverage BUSINESS SERVICES Enhanced liability coverage CONTRACTORS Enhanced property coverage Enhanced liability coverage Property expansion and liability enhancement endorsements are included automatically for select market Enhanced Property Coverage All risks CorePak Coverage Tier The CorePak Property Coverage containing nearly 50 broadening coverage features is attached automatically to the property coverage part. No additional premium charge. FlexPak Coverage Tier Option to replace the CorePak coverage tier with FlexPak Property Coverage for higher limits on numerous coverages. Additional premium applies. Enhanced BI/EE Coverage All Risks CorePak Coverage Tier CorePak Business Income and Extra Expense Coverage is included automatically when time element coverage is purchased as part of the product. No additional premium charge. FlexPak Coverage Tier Option to replace CorePak coverage tier with FlexPak Business Income and Extra Expense Coverage for higher limits. Additional premium applies. COMMERCIAL PROPERTY COVERAGE PART Special causes of loss DIRECT DAMAGE COVERAGE Included for all risks. Optional Total Building Replacement Cost Protection is available for all risks. TIME ELEMENT (BI/EE) COVERAGE Actual loss sustained (ALS) coverage is automatically added to all noncontractor policies meeting certain eligibility requirements, unless deselected. ALS coverage is also available to contractors meeting certain eligibility requirements. Additional premium applies. Coverage may also be provided on a designated limit basis (at no charge for the first $25,000).

5 PRODUCT FEATURES 3 CustomPak s bundled tier approach includes a very robust set of core enhancements that are automatically included in the base cost of the product to deliver the protection your smaller business owners and contractors business owners accounts need at maximum insurance value. A second tier gives you the flexibility to offer higher limits of coverage for your larger, mid-market accounts. Domestic Pet Sales and Services Enhanced property coverage Professional liability coverage Printers and Copy Shops Enhanced property coverage Enhanced Liability (GL Endorsement) Florists/Nurseries Enhanced property coverage Optical and Hearing Aid Establishments Professional liability coverage MFG/PROCESSING Enhanced property coverage Enhanced liability coverage RESTAURANTS Enhanced property coverage Enhanced liability coverage RETAIL Enhanced liability coverage WHOLESALE/ DISTRIBUTING Enhanced liability coverage segments and industry groups, with the option to deselect the coverage for a reduced premium amount. Enhanced General Liability Coverage All Risks Included automatically with all CustomPak policies through one of the following endorsements: CustomPak General Liability Enhancement Endorsement Other than contractors CustomPak General Liability Enhancement Endorsement All contractors No additional premium charge. GENERAL LIABILITY COVERAGE PART Included for all risks Hired auto and/or nonowned auto liability is available as an option for all risks. INLAND MARINE COVERAGE FORM Many inland marine coverages available for all risk types CustomPak Inland Marine Coverage Form Contractors is available for contractors requiring only liability and limited inland marine coverage. To purchase this form, the general liability coverage part also must be purchased, but the property coverage part is not available. CRIME COVERAGE PART Optional

6 4 Nationwide CustomPak Eligibility Criteria 1. Auto Services Business Services Contractors Manufacturing/ Processing Annual Gross Sales Per location $15 million if distribution or sales, otherwise N/A $15 million N/A $10 million Annual Payroll N/A N/A $2 million N/A Combined BLDG/BPP Limit Per Building $10 million $15 million $10 million $15 million Number of Dwelling Units Per Building Number of Stories Per Building N/A N/A N/A N/A N/A N/A N/A N/A Permitted Incidental Operations See Page 36 for eligible classes Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Subcontracted work: Total cost for all subcontractors combined may not exceed 50% of the insured s total payroll for all construction classifications All other classes: Combined, may not exceed 25% of insured s total operations for all locations Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Square Footage 25,000 square feet for public parking facilities N/A to all other N/A N/A 50,000 square feet each fire division Storage Buildings Incidental to Covered Buildings Must: Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet 1 Figures shown represent maximum amounts

7 PRODUCT FEATURES 5 Restaurants Retail Incidental Occupancies Wholesale/ Distributing Habitational Offices $10 million, alcoholic beverages must be less than 30% $15 million $15 million N/A N/A N/A N/A N/A N/A N/A $10 million Sprinklered requirements: Frame: TIV >$1.5 million Other: TIV >$3 million Total area >10,000 square feet $15 million $15 million N/A $10 million N/A N/A N/A 30 N/A N/A N/A N/A Frame/mixed construction 6 stories All other 10 stories Frame/mixed construction 6 stories All other 10 stories Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Income from all incidental operations combined may not exceed 25% of insured s income from all operations at all locations Permitted only when incidental to an eligible operation Permitted only when: Occupied by the named insured as part of an eligible operation; or Lessor s risk only when incidental to an eligible operation N/A N/A N/A No more than 25% of building can be open to the public N/A N/A Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet Be occupied by insured Be incidental to an eligible risk Not exceed 25,000 square feet

8 6 Nationwide CustomPak Property enhancements. CustomPak offers your clients significant property enhancements that are built into the base cost of the product (refer to CorePak coverage tier in chart below), when the property coverage part is purchased. For an additional premium, higher base limits are available, with opportunities to boost protection even further (as shown in the FlexPak coverage tier). Coverage Feature Accounts Receivable On Premises, Per location per occurrence Off Premises, Per occurrence CorePak Property Coverage Tier Automatically included at no additional charge $25,000 $25,000 Brands and Labels, Per location per occurrence $25,000 $50,000 FlexPak Property Coverage Tier An option to replace CorePak; additional premium applies $50,000 + $25,000 + Building Ordinance or Law, Per building per occurrence Coverage A, Undamaged Portion Coverage B, Demolition Cost or Coverage C, Increased Cost of Construction Combined Coverage B and C Computer Equipment and Media, Per location per occurrence Duplicate Media Off Premises, Per occurrence Building limit $25,000 $25,000 $25,000 $15,000 $1,500 Building limit $50,000 + $50,000 + $50,000 + $50,000 + $5,000 + Computer Fraud, Per location per occurrence $5,000 $10,000 + Computer Hijack and Identity Theft Zombies, Bots and Phishing, Per occurrence $5,000 $5,000 Confusion of Customers Property, Per location per occurrence Each Customer, Per location $5,000 $1,000 $10,000 + $1,000 Covered Property Extension Insures several property items typically excluded 1 Damage to Leased or Rented Building and Equipment Theft Coverage, Per building per occurrence BPP limit BPP limit Debris Removal, Per location per occurrence $25,000 $50,000 + Ecommerce Loss of Data Direct Damage and Time Element (if covered), Per policy period Anti-Virus Waiver Option Electronic Data, Per policy period Duplicate Data Off Premises, Per policy period $25,000 Not available $15,000 $5,000 $25,000 Available $25,000 + $5,000 + Employee Theft, Per location per occurrence ERISA included if plan named in policy $25,000 $25,000 + Employees Tools and Work Clothing, Per location per occurrence Each Employee $5,000 $500 $25,000 + $2,500 +Higher limit may be available through your underwriter. 1 includes garage and storage buildings, excluding greenhouses or hothouses, exterior building glass for owned buildings, foundations, retaining walls, sidewalks and other paved surfaces, and signs.

9 PRODUCT FEATURES COVERAGE ENHANCEMENTS 7 Property enhancements (continued) Coverage Feature Fine Arts Coverage Unscheduled, Per occurrence Unscheduled, Per item Scheduled Items CorePak Property Coverage Tier Automatically included at no additional charge $10,000 $5,000 Available separately under inland marine coverage part for an additional premium charge FlexPak Property Coverage Tier An option to replace CorePak; additional premium applies $25,000 $5,000 Available under Property or inland marine coverage parts for an additional premium charge Fire Department Service Charge, Per location per occurrence $15,000 $25,000 Fire Extinguisher Equipment Recharge Expense, Per location per occurrence $10,000 $10,000 Forgery or Alteration, Per occurrence $10,000 $25,000 + Fungus, Wet Rot, Dry Rot and Bacteria (N/A in NY) Per location, per policy period BI/EE limited to 30 days if included $15,000 $25,000 + Glass, Per building per occurrence Building limit/$100 deductible per occurrence Building limit/$100 deductible per occurrence Lock and Key Replacement, Per location per occurrence $1,500/$50 deductible $2,500/$50 deductible + Loss Adjustment or Claim Data Collection Expense, Per claim $10,000 $10,000 Money and Securities Inside the Premises, Per location per occurrence Outside the Premises, Per occurrence $10,000 $10,000 $25,000 + $25,000 + Money Orders, Counterfeit Money and Travelers Checks, Per location per occurrence $5,000 $10,000 + Newly Acquired/Constructed Property (up to 90 days) Each Building Business Personal Property, Each Building $500,000 $250,000 $1 million $500,000 Ordinance or Law Equipment, Each Item $5,000 $10,000 Outdoor Property, Per location per occurrence Per Tree, Shrub or Plant (Covered causes of loss) $15,000 $1,000 $25,000 + $1,000 Patterns, Dies, Molds and Forms, Per occurrence theft $10,000 $25,000 + Peak Season Automatic Increase in BPP, Per occurrence 25% 25% Personal Effects, Per location per occurrence $10,000 $25,000 + Personal Property of Others, Per location per occurrence $10,000 $25,000 Pollutant Cleanup and Removal, Per location per policy period $15,000 $25,000 + Premises Boundary 1,000 feet 1,000 feet Preservation of Property Coverage Period 45 days 60 days +Higher limit may be available through your underwriter.

10 8 Nationwide CustomPak Property enhancements (continued) Coverage Feature CorePak Property Coverage Tier Automatically included at no additional charge FlexPak Property Coverage Tier An option to replace CorePak; additional premium applies Promotional Displays, Per location per occurrence $5,000 $10,000 Property at Job Sites, Per occurrence $25,000 $25,000 Property in Transit, Per occurrence FOB shipments, Per occurrence Property Off Premises, Per occurrence Coverage Period for Computers $25,000 $5,000 $25, days $50,000 + $10,000 $50, days Refrigerated Property in Transit, Per policy period $10,000 $25,000 + Reward Payment, Per occurrence $5,000 $25,000 Salespersons Samples, Per employee per occurrence $5,000 $25,000 + Signs, Per building per occurrence Spoilage of Perishable Stock, Per location per occurrence Power outage can be on or off premises Extra Expense for Cleanup and Disposal (includes BI/EE if purchased) Building limit/$100 deductible per occurrence $10,000 $5,000 Building limit/$100 deductible per occurrence $25,000 + $10,000 Tenant Glass, Per occurrence (if there is no building coverage) BPP limit BPP limit Unauthorized Use of Business Debit, Credit or Other Transaction Cards, Per occurrence $5,000 $10,000 Utility Services, Direct Damage, Per location per occurrence Overhead Transmission Lines Valuable Papers and Records, (including cost of research) On Premises, Per location per occurrence Off Premises, Per occurrence $10,000 Not covered $25,000 $10,000 $25, % sublimit option $50,000 + $25,000 + Valuation, Replacement Cost, Except Certain Property Yes Yes Water Backup and Sump Overflow, Per location per occurrence Per policy period $25,000 $100,000 $25,000 + $100,000 +Higher limit may be available through your underwriter.

11 PRODUCT FEATURES COVERAGE ENHANCEMENTS 9 Business income and extra expense enhancements. CustomPak provides the flexibility to offer your clients business income and extra expense coverage (CP0030), business income without extra expense coverage (CP0032), or just extra expense coverage (CP0050). When the business income and extra expense coverage form (CP0030) is purchased: For all classifications except contractors, CustomPak Actual Loss Sustained (ALS) coverage unlimited for up to a 12-month period is included, unless deselected. If deselected, a premium reduction applies. the CustomPak ALS coverage also is available to contractors, but must be selected at an additional premium. accounts exceeding the values displayed in the chart below are not eligible for unlimited ALS coverage; business income and extra expense coverage can be purchased on a designated limit basis only. Segment TIV Building and BPP (all locations) Total Annual Sales or Payroll (all locations) Contractors $10 million $1 million payroll Manufacturing/Processing $10 million $5 million sales Wholesale/Distributing $10 million $5 million sales All Others $10 million $10 million sales For all classifications (including contractors), the CustomPak Business Income and Extra Expense Enhancement (CorePak coverage tier) is included at no additional premium charge. As an alternative to the CustomPak ALS coverage, business income and extra expense may be provided on a designated limit basis. With this option, there is no charge for the first $25,000 on any classification. If broader coverage is desired, the CorePak coverage can be replaced by the FlexPak coverage. Please note that the CustomPak ALS, CorePak and FlexPak coverages are not available with the business income without extra expense (CP0032) or just extra expense (CP0050) coverage forms. However, other standard coverages may be added individually. Coverage Feature Civil Authority Coverage Period Waiting Period CorePak BI/EE Coverage Tier Automatic if BI/EE included; no premium charge applies 30 days 72 hours FlexPak BI/EE Coverage Tier Option to replace CorePak; additional premium applies 30 days 24 hours (or zero or 72 hours) Computer Operations, Per policy period $10,000 $10,000 + Delivery Services Interruption (Business Income): Owned Delivery Vehicles, Per occurrence Business Personal Property in the Course of Transport, Per occurrence Contractual Penalties, Per occurrence Maximum, Per location per policy period $5,000 $5,000 $5,000 $10,000 $10,000 $10,000 $10,000 $25,000 +Higher limit may be available through your underwriter.

12 10 Nationwide CustomPak Business income and extra expense enhancements (continued) Coverage Feature CorePak BI/EE Coverage Tier Automatic if BI/EE included; no premium charge applies FlexPak BI/EE Coverage Tier Option to replace CorePak; additional premium applies Dependent Properties (Business Income), Per occurrence Waiting Period $10, hours $10, hours (or zero or 72 hours) Ecommerce Activities Waiting Period 72 hours 24 hours (or zero or 72 hours) Extended Business Income Coverage Period 60 days 60 days (or up to 365 days) Food Contamination (90-day coverage period) Business Income, Per location per occurrence Extra Expenses, Per location per occurrence Waiting Period Newly Acquired Locations, Per location Coverage Period $5,000 $5, hours $150, days $10,000 + $10, hours $250, days Period of Restoration Waiting Period 72 hours 24 hours (or zero or 72 hours) Pollutant Cleanup and Removal Business Income, Per location per policy period $5,000 $25,000 Premises Boundary 1,000 feet 1,000 feet Rental Cost Reimbursement Leased or Rented Equipment Percent of Daily Rental Expense, Per location Maximum Per Day, Per location Maximum Per location per policy period Waiting Period 80% $500 $5, hours 80% $500 $5, hours Research and Development Prototypes, Schematics, Drawings and R&D Documentation Business Income, Per location per occurrence, no waiting period $5,000 $10,000 Utility Services Business Income, Per location per policy period Overhead Transmission Lines $25,000 Not covered $25,000 + Optional +Higher limit may be available through your underwriter.

13 PRODUCT FEATURES COVERAGE ENHANCEMENTS 11 General liability enhancements. General liability enhancements are included automatically with all CustomPak policies, at no additional premium charge, through one of the following endorsements. Additional limits are available for certain coverages, for an additional premium charge. CustomPak General Liability Enhancement Endorsement Other than contractors CustomPak General Liability Enhancement Endorsement All contractors CustomPak General Liability Enhancements Additional Insured Owners, Lessees or Contractors Automatic Status when Required in Construction Agreement with You Advertising Injury Liability Redefined Borrowed Equipment Property Damage Damage to Premises Rented to You Elevator Property Damage Expected or Intended Injury Incidental Medical Malpractice Insured Contract Redefined Liberalization Medical Payments Mental Anguish Mobile Equipment Redefined Newly Acquired Organizations Non-Duplication of Benefits Non-Owned Aircraft Non-Owned Watercraft Personal Injury Broad Form Supplemental Payments Cost of Bail Bonds Supplemental Payments Loss of Earnings Unintentional Failure to Disclose Hazards Contractors: Ongoing operations included on a blanket and primary noncontributory basis All others: Not included Includes televised or videotaped material $5,000 per occurrence $10,000 per policy period $250 minimum deductible $300,000 per premises Covered causes of loss: fire, lightning, explosion, smoke or leakage from fire protective systems $5,000 per occurrence $10,000 annual aggregate $250 minimum deductible Property damage covered from reasonable force to protect Includes employees providing services Contractors: Not included All others: Included Included $15,000 per person Included in definition of bodily injury Includes self-propelled vehicles less than 1,000 GVW 180 days coverage period Included Included when hired with a crew and not carrying people or property for a charge Included if less than 51 feet Includes abuse of process and limited discrimination or humiliation $3,000 per claim (additional insurance) $400 per day per claim (additional insurance) Included Voluntary Property Damage $10,000 per occurrence/$50,000 per policy period + Waiver of Transfer of Rights of Recovery Included +Higher limit may be available through your underwriter.

14 12 Nationwide CustomPak Optional coverages for all risks. SUBJECT TO ADDITIONAL PREMIUM Crime Coverage Part Hired Auto and/or Non-Owned Auto Liability Total Building Replacement Cost Protection Primarily designed for use with risks that need more robust coverage beyond what s provided in either CorePak or FlexPak Property Coverage Same coverage as offered in CPP In all states except IL and VT, coverage can be added to CustomPak liability protection if there is no commercial auto policy. In IL and VT, coverage is available only through a separate commercial auto policy. Available for any risk type if insured to 100% of replacement cost, subject to eligibility provisions (refer to company manual) 25% of building limit SEGMENT ENDORSEMENTS Optional coverages for specific market segments. SUBJECT TO ADDITIONAL PREMIUM Auto Services PROPERTY COVERAGE Covered Property Expansion Above and Below Ground Fuel Tanks and Their Contents Customers Autos and Other Customers Property (N/A in NH) Inflation Guard Buildings Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) Vehicle Damage to Leased Property CustomPak Property Expansion Auto Services Building and business personal property limits $25,000; higher limits available 5%; higher percentages available $50,000 $10,000 per occurrence $25,000 per policy period Business Services LIABILITY COVERAGE Delivery Errors and Omissions Your Work Coverage CustomPak Business Services General Liability Enhancement Endorsement $5,000 per occurrence $10,000 per policy period $5,000 per occurrence $10,000 per policy period

15 PRODUCT FEATURES SEGMENT ENDORSEMENTS 13 Optional coverages for specific market segments SUBJECT TO ADDITIONAL PREMIUM (continued) Contractors PROPERTY COVERAGE Installation Materials and Supplies Tools, Machinery and Equipment Provided with Property Expansion Endorsement: Unscheduled Items: Any One Occurrence Any One Tool or Piece of Equipment Optional Coverage Available to Add: Leased or Rented Equipment: Any One Item Any One Occurrence Continuing Rental Charges (applies only if leased or rented equipment coverage is purchased) Specifically Described Items LIABILITY COVERAGE Additional Insured Engineers, Architects or Surveyors not Engaged by the Named Insured Your Work Coverage CustomPak Property Expansion Contractors $25,000; higher limits available $10,000; higher limits available $2,000 As selected, up to $50,000 $100,000 $500 per day; $15,000 per policy period As selected, up to $250,000 for all items CustomPak Contractors General Liability Enhancement Endorsement Included $5,000 per occurrence $10,000 per policy period Also available for contractors is an optional CustomPak Inland Marine Coverage Form (see chart below) that is designed for clients requiring only liability and limited inland marine coverage. this option must be purchased with general liability coverage. if selected, the property coverage part and CustomPak property endorsements are not available. INLAND MARINE COVERAGE Installation of Property at Job Sites Property at Temporary Storage Locations Property in Transit Tools and Equipment Scheduled Equipment Unscheduled Equipment Rented or Leased Equipment Additional Coverages Continuing Rental Charges Tools and Equipment Rented or Leased from Others Additional Acquired Property $5,000 per occurrence Higher limits available up to $100,000 $5,000 per occurrence Higher limits available up to $100,000 $5,000 per occurrence Higher limits available up to $100,000 Optional; maximum available limit for all items $250,000 $5,000 per occurrence; higher limits available up to $50,000 $2,000 per item maximum Optional; maximum $50,000/item and $100,000/occurrence Automatic (if rented or leased equipment coverage is purchased); $500 per day and $15,000 per policy period 25% of the limit of insurance applicable to each type of covered property; maximum $10,000

16 14 Nationwide CustomPak Optional coverages for specific market segments SUBJECT TO ADDITIONAL PREMIUM (continued) Manufacturing/Processing PROPERTY COVERAGE Customers Goods CustomPak Property Expansion Manufacturing $25,000 on premises, not in storage $25,000 in transit $25,000 on premises, in storage $10,000 at temporary premises Higher limits available Installation Materials and Supplies $25,000 Higher limits available Manufacturers Consequential Loss Assumption $50,000 Higher limits available Manufacturers Expediting Expense $50,000 Precious Metals $25,000 Higher limits available Tools, Machinery and Equipment Provided with Property Expansion Endorsement: Unscheduled Items: Any One Occurrence Any One Tool or Piece of Equipment Optional Coverage Available to Add: Leased or Rented Equipment: Any One Item Any One Occurrence Continuing Rental Charges (applies only if leased or rented equipment coverage is purchased) Specifically Described Items LIABILITY COVERAGE Additional Insured Broad Form Vendors Additional Insured Managers or Lessors of Premises Delivery Errors and Omissions Limited Product Withdrawal Expense Coverage Manufacturers Specifications Errors and Omissions $10,000; Higher limits available $2,000 As selected, up to $50,000 $100,000 $500 per day; $15,000 per policy period As selected, up to $250,000 for all items CustomPak Manufacturing General Liability Enhancement Endorsement Included Included $5,000 per occurrence $10,000 per policy period $10,000 per occurrence $20,000 per policy period Higher limits available $5,000 per occurrence $10,000 per policy period

17 PRODUCT FEATURES SEGMENT ENDORSEMENTS 15 Optional coverages for specific market segments SUBJECT TO ADDITIONAL PREMIUM (continued) Restaurants PROPERTY COVERAGE Customers Autos on Premises (Legal Liability) (N/A in NH) Customers Personal Property Inflation Guard Buildings Property Off Premises at Operated Premises Vehicle Damage to Leased Property LIABILITY COVERAGE Limited Product Withdrawal Expense Coverage Services Errors and Omissions CustomPak Property Expansion Restaurants $25,000; higher limits available $10,000 per occurrence; higher limits available $2,000 per customer 5%; higher percentages available $10,000; higher limits available $10,000 per occurrence $25,000 per policy period CustomPak Restaurant General Liability Enhancement Endorsement $10,000 per occurrence $20,000 per policy period Higher limits available $5,000 per occurrence $10,000 per policy period Retail LIABILITY COVERAGE Delivery Errors and Omissions Limited Product Withdrawal Expense Coverage CustomPak Retail General Liability Enhancement Endorsement $5,000 per occurrence $10,000 per policy period $10,000 per occurrence $20,000 per policy period Higher limits available Wholesale/Distributing LIABILITY COVERAGE Additional Insured Broad Form Vendors Delivery Errors and Omissions Limited Product Withdrawal Expense Coverage CustomPak Wholesale General Liability Enhancement Endorsement Included $5,000 per occurrence $10,000 per policy period $10,000 per occurrence $20,000 per policy period Higher limits available

18 16 Nationwide CustomPak Optional coverages for specific industry groups. SUBJECT TO ADDITIONAL PREMIUM Barbers and Beauticians LIABILITY COVERAGE Barbers and Beauticians Professional Liability Barbers And Beauticians Professional Liability Coverage $100,000 per occurrence $200,000 per policy period Higher limits available Domestic Pet Sales and Service PROPERTY COVERAGE Domestic Animals, Birds and Fish in Your Care, Custody and Control Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) Tools, Machinery and Equipment Provided with Property Expansion Endorsement: Unscheduled Items: Any One Occurrence Any One Tool or Piece of Equipment Optional Coverage Available to Add: Leased or Rented Equipment: Any One Item Any One Occurrence Continuing Rental Charges (applies only if Leased or Rented Equipment coverage is purchased) Specifically Described Items LIABILITY COVERAGE Domestic Pet Services Professional Liability Other than Veterinarians Veterinary Expenses CustomPak Property Expansion Domestic Pet Sales and Service Business personal property limit $50,000 $10,000; higher limits available $2,000 As selected, up to $50,000 $100,000 $500 per day; $15,000 per policy period As selected, up to $250,000 for all items Domestic Pet Services Professional Liability Coverage Other than Veterinarians $100,000 per occurrence; higher limits available $200,000 per policy period; higher limits available $5,000 per policy period $1,000 per pet

19 PRODUCT FEATURES INDUSTRY ENDORSEMENTS 17 Optional coverages for specific industry groups SUBJECT TO ADDITIONAL PREMIUM (continued) Dry Cleaners and Laundries PROPERTY COVERAGE Customers Goods Inflation Guard Buildings Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) CustomPak Property Expansion Dry Cleaners and Laundries $25,000 on premises, not in storage $25,000 in transit $25,000 on premises, in storage $10,000 at temporary premises Higher limits available 5%; higher percentages available $50,000 Florists and Nurseries PROPERTY COVERAGE Customers Goods Greenhouse Coverage Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) CustomPak Property Expansion Florists Shops and Nurseries $25,000 on premises, not in storage $25,000 in transit $25,000 on premises, in storage $10,000 at temporary premises Higher limits available $25,000; higher limits available $50,000 Funeral homes and mortuaries PROPERTY COVERAGE Employee Theft of Clients Property Furs (Theft) Guests Autos on Premises (Legal Liability) (N/A in NH) Jewelry (Theft) Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) CustomPak Property Expansion Funeral Homes and Mortuaries $10,000; higher limits available $10,000 per occurrence $25,000; higher limits available $10,000 per occurrence $50,000 Preservation of Dead Bodies $5,000 LIABILITY COVERAGE Morticians and Funeral Directors Malpractice Liability Morticians and Funeral Directors Malpractice Liability Endorsement $100,000 per occurrence $200,000 per policy period Higher limits available

20 18 Nationwide CustomPak Optional coverages for specific industry groups SUBJECT TO ADDITIONAL PREMIUM (continued) Janitorial Services PROPERTY COVERAGE Employee Theft of Clients Property Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) CustomPak Property Expansion Janitorial Services $10,000; higher limits available $50,000 Optical and Hearing Aid Establishments LIABILITY COVERAGE Professional Liability Optical and Hearing Aid Establishments Professional Liability Coverage $100,000 per occurrence $200,000 per policy period Higher limits available Printers and Copy Shops PROPERTY COVERAGE Customers Goods Inflation Guard Buildings Lease/Loan Gap Coverage Owned or Leased Covered Autos (N/A in NH or NY) LIABILITY COVERAGE Printers Errors and Omissions Available via GL endorsement CustomPak Property Expansion Printers and Copy Shops $25,000 on premises, not in storage $25,000 in transit $25,000 on premises, in storage $10,000 at temporary premises Higher limits available 5%; higher percentages available $50,000 Printers Errors/Omissions Liability $100,000 per occurrence $200,000 per policy period Higher limits available Correction of work coverage Veterinarians LIABILITY COVERAGE Veterinarians Professional Liability State Veterinary Review Board Appearance Expenses Veterinarians Professional Liability Coverage $100,000 per occurrence; higher limits available $200,000 per policy period; higher limits available $10,000 per policy period

21 CLASS ELIGIBILITY 19 Refer to the information on the following pages when prospecting for new CustomPak accounts. On the following pages, you ll find a listing categorized by market segment of the nearly 500 ISO general liability classifications that are targeted for CustomPak. Note, however, that risks falling within the classifications shown in this guide are not automatically eligible for the product; additional eligibility requirements apply according to company standards. For more information on specific eligibility criteria, contact your commercial lines representative. Auto services Page 20 Business services Page 20 Contractors Page 22 Manufacturing/processing Page 24 Restaurants Page 31 Retail Page 31 Wholesale/distributing Page 34 A note about incidental operations Risks with operations that do not have an eligible CustomPak classification typically will not qualify for this product. However, there are nearly 20 classifications (listed on Page 36 of this guide) that will qualify for CustomPak coverage, provided they are incidental to a primary operation that is eligible for the product. Incidental operations are limited as follows: es for subcontracted work: Total cost for all subcontractor classes combined may not exceed 50% of the insured s total payroll for all liability construction classifications combined. Example: An insured with a $2 million payroll may have up to $1 million total cost for all subcontracted work. All other classes (except contractors permanent yard): Income from all incidental operations combined may not exceed 25% of the insured s income from all operations at all locations. Example: Income from rental property may not be greater than 25% of the insured s income from all business operations combined.

22 20 Nationwide CustomPak Auto services Code Sub- AUTO SERVICES CustomPak Description Automobile parts and supplies distributors NOC Automobile parts and supplies distributors tires and tubes Automobile parts and supplies stores Automobile quick oil change and lubrication services Automobile repair or service shops auto body and paint shops Automobile repair or service shops auto frame shops Automobile repair or service shops auto top, upholstery repair shops Automobile repair or service shops glass repair and replacement Automobile repair or service shops general automotive repair and services Car washes other than self-service Car washes self-service Gasoline stations full service Gasoline stations self-service Gasoline stations self and full service Parking public not open air Parking public open air Parking public shopping centers maintained by lessee (lessor s risk only) Parking public shopping centers maintained by the insured (lessor s risk only) Tire dealers Trailer dealers BUSINESS SERVICES Barber shops not training facilities or schools Beauty parlors and hair styling salons Bicycles rented to others amusement and recreation services NOC Bookbinding other than nonprofit Carpet, rug, furniture or upholstery cleaning on customer s premises Carpet, rug or upholstery cleaning shop only Cemeteries other than nonprofit Computer consulting business consulting services NOC Computer service or repair = Bindable through accessharleysville//cl policy administration system

23 CLASS ELIGIBILITY 21 Business services (continued) Code Sub- CustomPak Description Crematories other than nonprofit Dental laboratories Diagnostic testing laboratories Engraving coating, engraving and allied services Floor waxing Funeral homes or mortuaries Interior decorators Janitorial services building cleaning and maintenance services NOC Kennels breeding, boarding or sales Laboratories testing, veterinary services other than nonprofit Laundries and dry cleaners self-service Laundries and dry cleaning plants Laundries and dry cleaning plants industrial launderers Laundry and dry cleaning or dyeing receiving stations garment pressing and agents for laundries and dry cleaners Laundry and dry cleaning stores Laundry rental service Locksmiths Mailbox or packaging stores Mausoleums other than nonprofit Nail salons Pet grooming pet care services, except veterinary Pet training Photo finishing laboratories other than one-hour photo finishing Photo finishing laboratories one-hour photo finishing Photographers commercial photography Photographers photographic studios, portrait Piano tuning Shoe repair shops Surveyors land not engaged in actual construction Tailor merchants = Bindable through accessharleysville//cl policy administration system

24 22 Nationwide CustomPak Business services (continued) Code Sub- CustomPak Description Tailoring or dressmaking establishments custom Taxidermists Tents or canopies rented to others Tent or canvas goods erection, removal or repair away from shop Upholstering shop only Veterinarians or veterinary hospitals Washing machines, dryers or ironers coin meter type Watch or clock repair Water softening equipment rented to others Welding or cutting Window cleaning Window decorating industrial design services CONTRACTORS Advertising sign companies outdoor Air conditioning systems or equipment dealers or distributors and installation, servicing or repair Appliances and accessories installation, servicing or repair commercial Appliances and accessories installation, servicing or repair household type electrical Appliances and accessories installation, servicing or repair household type other than electrical Carpentry construction of residential property not exceeding three stories in height Carpentry interior Carpentry NOC Carpentry shop only Communication equipment installation industrial or commercial Concrete construction Door, window or assembled millwork installation metal Drilling water Driveway, parking area or sidewalk paving or repaving Dry wall or wallboard installation Electrical apparatus installation, servicing or repair NOC Electrical work within buildings = Bindable through accessharleysville//cl policy administration system

25 CLASS ELIGIBILITY 23 Contractors (continued) Code Sub- CustomPak Description Excavation NOC Fence erection contractors Floor covering installation not ceramic tile or stone Furniture or fixtures installation in offices or stores portable metal or wood Glass dealers and glaziers glass and glazing contractors Grading of land Greenhouse erection Guniting or shotcrete Handyperson 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 Heating or combined heating and air conditioning systems or equipment dealers or distributors and installation, servicing or repair with liquefied petroleum gas (LPG) equipment sales or work House furnishings installation NOC Irrigation or drainage system construction Irrigation works operations Landscape gardening Lawn care services Machinery or equipment farm installation, servicing or repair Machinery or equipment industrial installation, servicing or repair Machinery or equipment installation, servicing or repair NOC Masonry Metal erection decorative or artistic Metal erection in the construction of dwellings not exceeding two stories in height Metal erection nonstructural NOC Metal erection steel gates, tanks and others Office machines or appliances installation, inspection, adjustment or repair no sales or storage Painting exterior buildings or structures three stories or less in height Painting interior buildings or structures Painting shop only except auto spray painting Paperhanging = Bindable through accessharleysville//cl policy administration system

26 24 Nationwide CustomPak Contractors (continued) Code Sub- CustomPak Description Plastering or stucco work Plumbing commercial and industrial Plumbing residential or domestic Refrigeration systems or equipment dealers and distributors and installation, servicing or repair commercial Septic tank systems cleaning Septic tank systems installation, servicing or repair Sewer cleaning Sheet metal work outside Siding installation Sign erection, installation or repair Sign painting or lettering inside of buildings Sign painting or lettering on buildings or structures Solar energy contractors Swimming pool servicing Television or radio receiving set installation or repair Tile, stone, marble, mosaic or terrazzo work interior construction Water softening equipment installation, servicing or repair Waterproofing by pressure apparatus Waterproofing by trowel interior or insulation work Waterproofing NOC MANUFACTURING/PROCESSING Air conditioning equipment manufacturing Appliances and accessories manufacturing commercial gas Appliances and accessories manufacturing commercial not gas Appliances and accessories manufacturing household gas Appliances and accessories manufacturing household not gas Automobile, bus and truck body manufacturing metal products other than heavy metal Baby food manufacturing Baby food manufacturing in glass containers Bakery plants commercial bakeries = Bindable through accessharleysville//cl policy administration system

27 CLASS ELIGIBILITY 25 Manufacturing/processing (continued) Code Sub- CustomPak Description Bakery plants frozen cakes, pies and other pastries Bearing manufacturing ball and roller bearing manufacturing Bearing manufacturing plastics products Beer, ale or malt liquor manufacturing in bottles Beer, ale or malt liquor manufacturing in cans Beer, ale or malt liquor manufacturing not bottled or canned Beverage bottler soft drinks carbonated in cans or plastic bottles Beverage bottler soft drinks carbonated in glass bottles Beverage bottler soft drinks carbonated or not carbonated in metal cylinders Beverage bottler soft drinks carbonated or not carbonated in paper containers Beverage bottler soft drinks not carbonated in glass or plastic bottles or cans Bicycle manufacturing not motorized bicycle and bicycle parts Bolt, nut, rivet, screw or washer manufacturing Bottle and jar manufacturing glass not for use under pressure Bottle and jar manufacturing glass for use under pressure nonreturnable Bottle and jar manufacturing glass for use under pressure returnable Bottle and jar manufacturing plastic nonreturnable Bottle and jar manufacturing plastic returnable Boxes or containers manufacturing corrugated or fiberboard Boxes or containers manufacturing wood nailed and lock corner wood boxes and shook Brick manufacturing Brush or broom manufacturing Buttons or fasteners manufacturing Can manufacturing metal Candle manufacturing Candy or confectionery products manufacturing Carbon paper or inked ribbon manufacturing Carpet or rug manufacturing Caulking compounds, putty or similar products manufacturing Cement, concrete mix or plaster manufacturing gypsum product manufacturing = Bindable through accessharleysville//cl policy administration system

28 26 Nationwide CustomPak Manufacturing/processing (continued) Code Sub- CustomPak Description Cement, concrete mix or plaster manufacturing packaged or bulk ready-mix concrete manufacturing Charcoal or coal briquette manufacturing China porcelain or earthenware manufacturing Clay products manufacturing Clay products manufacturing brick and structural clay tile Clock manufacturing Clothing manufacturing apparel and accessories, NOC (no children s, infants, protective, safety or fire resistant) Clothing manufacturing children s and infants clothing and accessories Coffins or caskets manufacturing Color or pigment preparation Communication or recording systems or equipment manufacturing industrial or commercial Communication or recording systems or equipment manufacturing other than industrial or commercial NOC Concrete or plaster products manufacturing not structural block and brick Concrete or plaster products manufacturing not structural gypsum products Cutlery (not powered) and flatware manufacturing Dairy products manufacturing Dextrine manufacturing additives for food Die casting manufacturing aluminum die castings Die casting manufacturing nonferrous die castings, except aluminum Die casting manufacturing special dies and tools, die sets, jigs and fixtures Door or window manufacturing other than wood glass products made of purchased glass Door or window manufacturing other than wood metal doors, sash, frames, molding and trim Door or window manufacturing wood doors, sash, frames, molding and trim Drums or containers manufacturing metal Drums or containers manufacturing plastic Electrical equipment manufacturing motors and generators Electrical equipment manufacturing NOC Electrical equipment manufacturing relays and industrial controls Electrical parts, components or accessories manufacturing = Bindable through accessharleysville//cl policy administration system

29 CLASS ELIGIBILITY 27 Manufacturing/processing (continued) Code Sub- CustomPak Description Electrical wire or cable manufacturing Electronic components manufacturing Electronic games manufacturing Extracts manufacturing Eyeglass lens manufacturing Fiber manufacturing other than synthetic NOC Fiber manufacturing synthetic Floor covering manufacturing not carpets, rugs, ceramic or stone tiles Food products manufacturing dry Food products manufacturing frozen Food products manufacturing not dry in glass containers Food products manufacturing not dry in other than glass containers Fruit or vegetable juice manufacturing no bottling of carbonated beverages frozen fruits, fruit juices and vegetables Furniture manufacturing or assembling other than wood Furniture manufacturing or assembling wood Gemstone cutting or polishing Glass or glassware manufacturing NOC Glass or glassware manufacturing flat glass Glass or glassware manufacturing glass containers Glass or glassware manufacturing glass products made of purchased glass Heating equipment manufacturing electric Honey extracting Ink manufacturing printing ink manufacturing Instrument manufacturing analytical, calibration, measuring, testing or recording Instrument manufacturing NOC Jewelry manufacturing jewelry, precious metal Jewelry manufacturing costume jewelry and novelty manufacturing Lamp shade manufacturing Lamps or lanterns manufacturing electric commercial, industrial and institutional electric lighting fixtures = Bindable through accessharleysville//cl policy administration system

30 28 Nationwide CustomPak Manufacturing/processing (continued) Code Sub- CustomPak Description Lamps or lanterns manufacturing electric residential electric lighting fixtures Lamps or lanterns manufacturing electric lighting equipment NOC Leather goods finished products gasket, packing and sealing device manufacturing Leather goods finished products leather goods NOC Lightbulb or tubes manufacturing Lighting fixtures manufacturing commercial, industrial and institutional Lighting fixtures manufacturing residential Lighting fixtures manufacturing vehicular lighting equipment Machine shops industrial and commercial machinery and equipment NOC Machinery or machinery parts manufacturing industrial type Machinery or machinery parts manufacturing metal working Machinery or machinery parts manufacturing NOC Mattress or box spring manufacturing Meat, fish, poultry or seafood curing canned and cured fish and seafood Meat, fish, poultry or seafood curing sausage and other prepared meat products Meat, fish, poultry or seafood processing in airtight containers canned and cured fish and seafood Meat, fish, poultry or seafood processing in airtight containers sausage and other prepared meat products Media manufacturing blank Media manufacturing prerecorded Metal foil manufacturing Metal goods manufacturing NOC Metal goods manufacturing stamping not signs Metal works shop decorative or artistic Metal works shop structural not load-bearing ornamental and architectural metal work Mica goods manufacturing Milk depots or dealers dairy products (except dried or canned) wholesalers Milk processing Musical instrument manufacturing Nails or spikes manufacturing Needles, pins or tacks manufacturing = Bindable through accessharleysville//cl policy administration system

31 CLASS ELIGIBILITY 29 Manufacturing/processing (continued) Code Sub- CustomPak Description Net manufacturing other than safety nets NOC Office machines manufacturing Optical goods manufacturing Paper goods manufacturing Pattern manufacturing metal Pattern manufacturing other industrial NOC Pattern manufacturing paper Pencil, pen, crayon or chalk manufacturing Pet food manufacturing Photographic equipment manufacturing Photographic supplies manufacturing Pipes or tubes manufacturing metal Pipes or tubes manufacturing plastic Plastic or rubber goods manufacturing household NOC Plastic or rubber goods manufacturing other than household NOC Plumbing fixtures manufacturing Plumbing supplies manufacturing Printing other than nonprofit Produce handling or packing Publishers books or magazines other than nonprofit Pumps or compressors manufacturing Refrigeration equipment manufacturing Rope manufacturing Rubber stamp manufacturing or assembling Saddles, harnesses or horses furnishings manufacturing Sewing machines manufacturing commercial Sewing machines manufacturing household Sheet metal work shop only Shoe, boot or slipper manufacturing Sign manufacturing electrical Sign manufacturing other than electrical = Bindable through accessharleysville//cl policy administration system

32 30 Nationwide CustomPak Manufacturing/processing (continued) Code Sub- CustomPak Description Slate splitting or slate roofing manufacturing Sponge processing Steel wool or wire wool manufacturing Stone crushing Stone cutting or polishing Swimming pools or accessories manufacturing Telecommunication equipment manufacturing Television picture tube manufacturing Tent or canopy manufacturing canvas and related products Tool manufacturing accessories cutting tools, machine tools accessories, machinist measuring devices Tool manufacturing accessories special dies, tools, die sets, jigs, fixtures, industrial molds Tool manufacturing hand type not powered Toys or games manufacturing dolls and stuffed toys Toys or games manufacturing games, toys and child vehicles not dolls and bicycles Twine or cordage manufacturing Umbrella or cane manufacturing Valves manufacturing Vending machines manufacturing Venetian blinds manufacturing or assembling Watch or watch case manufacturing Water bottling in siphons Water bottling spring or well not sparkling or carbonated Water bottling spring or well sparkling or carbonated Wicker, rattan, willow or twisted fiber products manufacturing Wigs or hair pieces manufacturing Wine manufacturing sparkling Wine manufacturing still wines, brandy and brandy spirits Wire drawing Wire goods manufacturing Wood products manufacturing NOC = Bindable through accessharleysville//cl policy administration system

33 CLASS ELIGIBILITY 31 Retail (continued) Code Sub- RESTAURANTS CustomPak Description Concessionaires checkroom, shoeshine, or toilet concessions in restaurants Concessionaires food service contractors Delicatessens eating places snack and nonalcoholic beverage bars Delicatessens primarily sale of specialty food items Restaurants operated by concessionaires other than nonprofit Restaurants with no sale of alcoholic beverages with table service Restaurants with no sale of alcoholic beverages without table service with seating NOC Restaurants (cafeteria style / buffet) with no sale of alcoholic beverages without table service, with seating Restaurants (fast food) with no sale of alcoholic beverages without table service, with seating Restaurants with no sale of alcoholic beverages without seating Restaurants with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants with table service Restaurants with sale of alcoholic beverages that are less than 30% of the annual receipts of the restaurants without table service, with seating Restaurants with sale of alcoholic beverages that are 30% or more of but not greater than 50% of the annual receipts of the restaurants with dance floor Restaurants with sale of alcoholic beverages that are 30% or more of but not greater than 50% of the annual receipts of the restaurants without dance floor Restaurants with sale of alcoholic beverages that are more than 50% of but less than 75% of the annual receipts of the restaurants with dance floor Restaurants with sale of alcoholic beverages that are more than 50% of but less than 75% of the annual receipts of the restaurants without dance floor RETAIL Air conditioning equipment dealers only Appliance stores household type Army and navy stores Bakeries Beverage stores liquor and wine Beverage stores soft drinks and beer Bicycle stores sales and servicing Books and magazines stores other than nonprofit Books and magazines stores other than nonprofit including incidental coffee shops = Bindable through accessharleysville//cl policy administration system

34 32 Nationwide CustomPak Retail (continued) Code Sub- CustomPak Description Building material dealers Camera and photographic equipment stores Candy or confectionery stores Catalog or premium coupon redemption stores advertising material distribution services Catalog or premium coupon redemption stores electronic shopping and mail-order houses Clothing or wearing apparel stores other than nonprofit children s and infants clothing and accessories Clothing or wearing apparel stores other than nonprofit footwear Clothing or wearing apparel stores other than nonprofit NOC Collectibles and memorabilia stores Computer stores Copying and duplicating services retail Cosmetic, hair or skin preparation stores Dairy products or butter and egg stores other than nonprofit Department or discount stores Electronic store Fabric stores drapery, curtain and upholstery stores Fabric stores dry goods dealers sewing, needlework and piece goods stores Feed, grain or hay dealers stores with or without occasional grinding Fence dealers Floor covering stores Florists Formal wear or costumes rented to others Fruit or vegetable dealers Furniture stores other than nonprofit home furniture and furnishings stores Furniture stores other than nonprofit including incidental sales of household appliances Gift shops other than nonprofit Glass dealers no installation or setting Grocery stores Hardware stores Health or natural food stores = Bindable through accessharleysville//cl policy administration system

35 CLASS ELIGIBILITY 33 Retail (continued) Code Sub- CustomPak Description Hearing aid stores Heating or combined heating and air conditioning equipment dealers Hide dealers raw Hobby, craft or artists supply stores Home improvement stores Ice cream shops eating places snack and nonalcoholic beverage bars Ice cream stores dairy products all other specialty food stores Ice dealers Janitorial supplies dealers Jewelry stores Machinery or equipment dealers construction or industrial mobile type Machinery or equipment dealers farm type Machinery or equipment dealers NOC Machinery or equipment dealers yard or garden type Mail-order houses Mailing or addressing companies direct-mail advertising services Markets not open air (lessor s risk only) other than nonprofit Meat, fish, poultry or seafood stores Metal dealers nonstructural Music stores prerecorded Musical instrument stores Newsstands Nursery garden Optical goods stores Paint, wallpaper or wall covering stores Painting, picture or frame stores Pet stores pets and pet supplies Plumbing supplies and fixtures dealers Refrigeration equipment dealers commercial Shoe stores Shopping centers buildings or premises not occupied by the insured (lessor s risk only) = Bindable through accessharleysville//cl policy administration system

36 34 Nationwide CustomPak Wholesale/distributing (continued) Code Sub- CustomPak Description Sporting goods or athletic equipment stores Stationery or paper products stores Stores food or drink other than nonprofit NOC Stores no food or drink other than nonprofit NOC Supermarkets Toy stores Variety stores other than nonprofit Vending machine operations confection, food, beverage or ice Vending machine operations NOC Video stores WHOLESALE/DISTRIBUTING Air conditioning equipment distributors Appliance distributors household type Barber or beauty shop supplies distributors Beverage distributors alcoholic, other than beer Beverage distributors nonalcoholic and beer Building material distributors brick, stone and related construction materials Building material distributors electrical lighting fixtures and supplies Building material distributors lumber, plywood, millwork and wood panels Building material distributors paint, drywall, wallpaper and wall treatment Building material distributors plumbing supplies and equipment Building material distributors roofing, siding and insulation materials Clothing or wearing apparel distributors NOC Clothing or wearing apparel distributors children s and infants clothing and accessories Clothing or wearing apparel distributors footwear Clothing or wearing apparel distributors no children s, infants, protective, safety or fire resistant clothing or wearing apparel Distributors food or drink NOC Distributors food or drink confectionery Distributors food or drink dairy products or butter and eggs Distributors no food or drink durable goods NOC = Bindable through accessharleysville//cl policy administration system

37 CLASS ELIGIBILITY 35 Wholesale/distributing (continued) Code Sub- CustomPak Description Distributors no food or drink nondurable goods NOC Electrical equipment distributors electrical apparatus and equipment Electrical equipment distributors radio, television and other electronic parts and equipment Equipment, fixtures or supplies distributors for bars, hotels, offices, restaurants or stores Equipment, fixtures or supplies distributors commercial equipment NOC Fabric distributors Floor covering distributors Frozen food distributors Fruit or vegetable distributors Fur distributors garments and pelts Grocery distributors Hardware and tool distributors NOC Hardware and tool distributors industrial machinery or equipment Hardware and tool distributors paints, varnishes and supplies Heating or combined heating and air conditioning equipment distributors Hide distributors raw Ice distributors Janitorial supplies distributors Jewelry distributors Meat, fish, poultry or seafood distributors meat and meat products Meat, fish, poultry or seafood distributors fish or seafood Meat, fish, poultry or seafood distributors poultry and poultry products Metal distributors nonstructural Newspaper or magazine distributors books, periodicals and newspapers Paper products distributors Plastic or rubber supply goods distributors NOC Plastic or rubber supply goods distributors plastic materials, basic forms and shapes Plastic or rubber supply goods distributors industrial supplies Plumbing supplies and fixtures distributors Printers or electrotypers supply distributors = Bindable through accessharleysville//cl policy administration system

38 36 Nationwide CustomPak Wholesale/Distributing (continued) Code Sub- CustomPak Description Refrigeration equipment distributors commercial Sporting goods or athletic equipment distributors sporting and recreational goods and supplies Sporting goods or athletic equipment distributors sporting goods or athletic equipment apparel no safety or protective gear Toy distributors INCIDENTAL OPERATIONS The following classes can be written only on an incidental basis Apartment buildings Apartment buildings garden Buildings or premises bank or office mercantile or manufacturing (lessor s risk only) other than nonprofit Buildings or premises bank or office mercantile or manufacturing (lessor s risk only) maintained by the insured other than nonprofit Buildings or premises office other than nonprofit Buildings or premises office premises occupied by employees of the insured other than nonprofit Catering Contractors executive supervisors or executive superintendents 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 building construction, reconstruction, repair or erection one- or two-family dwellings Contractors subcontracted work in connection with construction, reconstruction, repair or erection not buildings NOC Contractors subcontracted work in connection with construction, reconstruction, repair or erection of buildings for industrial use Contractors subcontracted work in connection with construction, reconstruction, repair or erection of buildings NOC Contractors permanent yards maintenance or storage of equipment or material Dwellings one-family (lessor s risk only) Dwellings two-family (lessor s risk only) Dwellings three-family (lessor s risk only) Dwellings four-family (lessor s risk only) Snow and ice removal ( Code in NJ and PA; Code in ME and SD) Tree pruning, dusting, spraying, repairing, trimming or fumigating Vacant land other than nonprofit = Bindable through accessharleysville//cl policy administration system