CenCal Insurance Services Commercial Lines Manual Classification Table

Transcription

1 Description Saddles, Harnesses Or Horses Furnishings Mfg. FIRE CRIME CRIME AND CONTENTS, FIRE * CenCal Insurance Services ification Table Rate Group Limit Premium Base GENERAL LIABILITY Premises ,000 s (8) Safes Or Safe Vaults Mfg ,000 s (1) Sail Making 2800 (5) ,000 s (2) Sales Or Service Organizations ,000 p (4) (7) Salvage Operations (6) (6) Products No (6) (6) (6) (6) Comments & Application Coding (o) (d1) Sandblasting (6) 2350 (6) (6) (d1) Saw Mills Or Planing Mills (6) 3210 (6) (6) CCIS-s.Doc CCIS 185

2 (1) This classification includes servicing and repair. (58813) (2) This classification applies to shop operations only. (58822) Use 0702 and CPP PMA O. This classification applies to offices only. Refer to the State Rates Section of the CLM Division Five Fire and Allied Lines. (4) This classification applies only to risks the majority of whose employees are chiefly engaged away from premises owned, rented or controlled by the insured as (1) salespersons, canvassers or (2) employees furnished at a charge to perform services for others, namely clerical office employees, collectors, messengers, draftspersons, auditors, accountants and models. For premium computation purposes, payroll is limited to such employees only. Do not include the payroll of employees engaged principally in inside activities at the insured premises. (47367) The following types of firms shall be separately classified and rated: Architectural Engineering Legal Medical Computer consulting Consulting (5) In Massachusetts, use 2805 (6) Refer to Company (7) Attach Professional Liability Exclusion (8) Attach Exclusion-Products/Completed Operations Hazard CG-2104 CenCal Insurance Services ification Table CCIS-s.Doc CCIS 186

3 Description FIRE CRIME CRIME AND CONTENTS, FIRE CenCal Insurance Services ification Table Rate Group Limit Premium Base GENERAL LIABILITY Premises Products Schools Not-For-Profit Only * * (2) (2) Schools Other Than Not For Profit * * (2) (2) Schools Colleges, Universities, Junior Colleges Or College Preparatory Not- For-Profit Only Schools Colleges, Universities, Junior Colleges Or College Preparatory Other Than Not-For-Profit (1) (1) (13) (14) (13) (14) 25,000 (2) (2) 25,000 (2) (2) Schools Correspondence (1) ,000 (2) (2) Comments & Application Coding Schools Private Elementary, Kindergarten Or Junior High Not- For-Profit Only Schools Private- Elementary, Kindergarten Or Junior High Other Than Not-For-Profit Schools Public Elementary, Kindergarten Or Junior High Schools Private High Not-For- Profit Only Schools Private High Other Than Not-For-Profit (11) (12) (11) (12) (11 (12) (11 (12) (11) (12) 5,000 (2) (2) 5,000 (2) (2) 5,000 (2) (2) 15,000 (2) (2) 15,000 (2) (2) CCIS-s.Doc CCIS 187

4 CenCal Insurance Services ification Table (1) Commercial Trade School, use Other, use (2) Refer to company Commercial Trade School, use Other, use CCIS-s.Doc CCIS 188

5 Description FIRE CRIME CRIME AND CONTENTS, FIRE CenCal Insurance Services ification Table Rate Group Schools Public High (1) (9) (10) Schools Trade Or Vocational (1) (9) (10) Seed Merchants Excluding Erroneous Delivery, Error In Mixture And Germination Failure Seed Merchants Erroneous Delivery, Error In Mixture And Resulting Germination Failure Seed Merchants Erroneous Delivery, And Error In Mixture (Excluding Germination Failure) Limit 15,000 15,000 Premium Base GENERAL LIABILITY Premises ,000 s ,000 s (4) ,000 s (8) Products (2) (2) (2) (2) (4) (8) Comments & Application Coding No Animal Feed No Animal Feed No Animal Feed Septic Tank Systems Cleaning (5) 5620 * p (d1) Septic Tank Systems Installation, Servicing, Or Repair (6) ,000 p (7) (7)(9) (10)(11) Commercial Work Only (d1) CCIS-s.Doc CCIS 189

6 CenCal Insurance Services ification Table (1) Commercial Trade School use code 0921 Other, use 1052 (2) Refer to company Use Exclusion Erroneous Delivery Or Mixture And Resulting Failure Of Seed To Germinate Seed Merchants Endorsement CG (16890) (4) Use Seed Merchants Coverage For Erroneous Delivery Or Mixture And Resulting Failure Of Seed To Germinate Endorsement CG (16891) (5) Contractors storage, use 0567 and CPP PMA S. Equipment in the open, use 1190 and CPP PMA S. Office, use 0702 and CPP PMA S or O. (6) Contractors storage, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. (7) This classification includes house connections, shop and display rooms. (98806) (8) Use Seed Merchants Coverage For Erroneous Delivery Or Mixture (Resulting Failure Of Seed To Germinate Not ) Endorsement CG (16892) (9) Attach Pre Existing Damage Exclusion SL-63 (10) Attach Contractors Supplemental Application NAA-110 (11) Attach Residential Projects Exclusion EAA-148 CCIS-s.Doc CCIS 190

7 Description FIRE CRIME CRIME AND CONTENTS, FIRE Rate Group Limit CenCal Insurance Services ification Table Premium Base GENERAL LIABILITY Premises Products Sewing Machines Mfg. Commercial (2) ,000 s Sewing Machines Mfg. Household (2) ,000 s Sheet Metal Work Outside (1) ,000 p (4) Sheet Metal Work Shop Only ,000 s (5) Ship Chandler Stores (6) 15, (4) s Comments & Application Coding Commercial Work Only (d1) (5) (d1) Shoe, Boot Or Slipper Mfg. * ,000 s Shoe Repair Shops (7) ,000 s (8) Shoe Stores (9) (10) Shopping Centers Blds. Or Premises Not Occupied By Insured (LRO) Shopping Centers Indoor Malls Bldgs Or Premises Not Occupied By Insured * * 15,000 s (11) a (12) 5310 (11) a (12) Siding Installation (13) ,000 p (15)(19)(20) (21) Sign Erection, Installation, Or Repair (16) ,000 p (17) Sign Mfg. Electrical * ,000 s (18) Other Than Electrical * ,000 s NOC (18) (o) (p) (8) (o) (p) (15)(19) (20)(21) (o) (p) (k) (p) (q) (r) (k) (p) (q) (r) Commercial Work Only (d1) (17) (d1) (18) (18) CCIS-s.Doc CCIS 191

8 (1) Contractors storage, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA O or C. (2) Metal parts, use 6850 and CPP PMA IP. Precision parts, use 6900 and CPP PMA IP. Plastic parts, use 5500 and CPP PMA IP. For sales outlets, storage buildings not on premises of manufacturer, use 0567 and CPP PMA M. (4) This classification includes incidental shop work. Roofing work shall be separately classified and rated. Duct work in connection with the installation of air conditioning or heating systems shall be separately classified and rated under the appropriate Air Conditioning or Heating Installation, servicing or repair classification. (98884) (5) This ification does not apply to risks which do outside sheet metal work. (58922) (6) C Rate Group 2. SBF, SBR Rate This footnote applies to Contents, Fire. (7) Use Shoe shine stands, use (8) This classification includes shoe shining and the sale of accessories. (18109) (9) No repair, use 0520 and CPP PMA M. With repair, use 0922 and CPP PMA M or S. (10) C-Rate Group 2. SBF, SBR Rate Grp 2, does not apply to Contents (11) ify according to type of risk CenCal Insurance Services ification Table (12) This classification does not apply to buildings or portions of buildings occupied by the insured for mercantile or office operations other than such premises which are incidental to the operation of the mall. For the purpose of this classification, a shopping center indoor mall must consist of at least 5 stores with a common indoor passageway between all stores. (67634) The following shall be separately classified and rated: Parking area Events or exhibitions at the mall sponsored or operated by the insured Buildings or premises occupied by the insured and not incidental to the operation of the mall. (13) Contractors storage (including wood siding), use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. (14) Contractors storage (including wood siding), use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. (15) Wood siding installation shall be separately classified and rated as Carpentry. (98967) (16) Contractors storage, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. Sign painting, use 0922 and CPP PMA C. Woodworking repair, use 3959 and CPP PMA IP. (17) This classification includes shop operations. (98993) (18) Sign erection, installation or repair shall be separately classified and rated. (59057) (59058) (19) Attach Pre Existing Damage Exclusion SL-63 (20) Attach Contractors Supplemental Application NAA-110 (21) Attach Residential Projects Exclusion EAA-148 CCIS-s.Doc CCIS 192

9 CenCal Insurance Services ification Table Description Sign Painting Or Lettering Inside Of Buildings Sign Painting Or Lettering On Buildings Or Structures FIRE CRIME CRIME AND CONTENTS, FIRE (1) (2) NA 5419 Rate Group (4) Limit Premium Base GENERAL LIABILITY Premises 1 5,000 p ,000 p Slate Splitting Or Slate Roofing Mfg. (5) ,000 s (6) Products (d1) (8) (d1) (7) Comments & Application Coding Non-Admitted Only (d1) Snow And Ice Removal Contractor (15) (15) (15) Non-Admitted Only (d1) Soap Box Derbies N/A (12) Social Gatherings + Meetings On Premises Not Owned Or Operated By Insured Not-For-Profit Social Gatherings + Meetings On Premises Not Owned Or Operated By Insured Other Than Not-For-Profit N/A N/A 8133 (14) 1 (13) 8133 * (12) 5,000 t (9) 5,000 t (10) t (10) Solar Energy Contractors (16) 2350 * p (11) (11) Non-Admitted Only Commercial Work Only (d1) CCIS-s.Doc CCIS 193

10 CenCal Insurance Services ification Table (1) Contractors storage: Paint, use 0570 and CPP PMA C. Other equipment, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPPPMA C or O. (2) Shopwork, use 0922 and CPP PMA S. This classification includes shop operations and the existence hazard of signs located away from the insured s premises. For spray painting operations, a property damage deductible of $ per claim applies. Use Deductible Liability Insurance Endorsement CG This is an N.P.D. classification with Advertising Sign Companies outdoor or Sign Erection or Repair. (99003) (99004) (4) Contents, Fire NA. (5) Use For quarrying, use For processing or manufacturing operations not part of a building, use (6) This classification includes quarrying. (59189) (7) Refer to company (8) Refer to company work performed if over 3 stories (99004) (9) Coverage does not apply to bodily injury and medical payments to participants in athletic contests sponsored by the insured. Use Exclusion Athletic Or Sports Participants Endorsement CG If coverage is desired, refer to company. Soap box derbies with seating arrangements shall be referred to company. (10) This classification includes concerts, dances, outings, picnics and theatrical performances. Social gatherings or meetings for periods of four days or more shall be referred to company. Basis of premium is each location. (48558) (48557) (11) This classification applies to all works including heating, cooling and power generation. (99080) The following shall be separately classified and rated: Insulation of buildings or dwelling Sales of solar heating/energy equipment (12) Contents, Fire NA. (13) Refer to the state Rates Section of the CLM Division Five Fire and Allied Lines. (14) This classification applies to Offices only. (15) Refer to Company. (16) Contractors Storage, use 0563 and CPP PMA C or O. Equipment in the open use code aa90 and CPP PMA C. Office use code 0702 and CPP PMA C or O. Vehicle Storage or repair refer to Automobile classifications. CCIS-s.Doc CCIS 194

11 CenCal Insurance Services ification Table Description Sporting Goods Or Athletic Equipment Distributors Sporting Goods Or Athletic Equipment Mfg. Sporting Goods Or Athletic Equipment Stores Stationery Or Paper Products Distributors FIRE CRIME CRIME AND CONTENTS, FIRE 0566 * Rate Group (1) (2) (5) (1) (2) (5) (1) (2) (5) Limit Premium Base GENERAL LIABILITY Premises Products 50,000 s (4) Comments & Application Coding 15,000 s (4) Non-Admitted Only 25,000 s (4) ,000 (o) (p) Stationery Or Paper Products Stores ,000 s (o) (p) Steel Work Or Wire Wool Mfg ,000 s (4) Stone Crushing (10) 2150 (10) (10) Stone Cutting Or Polishing (6) (8) Stores Food Or Drink Not-For- Profit-Only Stores Food Or Drink Other Than Not-For-Profit (9) (9) 5,000 s (7) 4451 * s NOC 4451 * s NOC (d1) (o) (p) (o) (p) CCIS-s.Doc CCIS 195

12 CenCal Insurance Services ification Table (1) SBF and SBR Rate Group 2. This footnote does not apply to Contents, Fire. (2) C Rate Group 2. This footnote does not apply to Contents, Fire Refer to Distributors no food or drink. (4) Refer to company (5) Refer to theft guidelines (6) Use For quarrying, use For processing or manufacturing operations not part of a building, use (7) The following shall be separately classified and rated: (59482) Quarrying Mining Stone cutting in quarries Gemstone cutting or polishing (8) Excluding gemstone cutting or polishing. This footnote does not apply to Contents, Fire. (9) Use 0532 except if sole occupancy and over 15,000 sq. ft. in total floor area. Otherwise, use (10) Refer to Company CCIS-s.Doc CCIS 196

13 Description Stores No Food Or Drink Not-For- Profit-Only Stores No Food Or Drink Other- Than-Not-For-Profit FIRE CRIME CRIME AND CONTENTS, FIRE CenCal Insurance Services ification Table Rate Group Limit GENERAL LIABILITY Premises Premium Base 4530 * s NOC 4530 * s NOC Street Cleaning N/A N/A p (1) Streets, Roads, Highways, Or Bridges Existence And Maintenance Hazard Only Street Or Road Construction Or Reconstruction Street Or Road Paving Or Repaving, Surfacing Or Resurfacing Or Scraping N/A (4) (4) N/A t (2) (4) Products Comments & Application Coding (o) (p) (o) (p) Non-Admitted Only (d1) Non-Admitted Only 1 5,000 (4) (4) Non-Admitted Only (d1) 1 5,000 (4) (4) Non-Admitted Only (d1) Supermarkets (4) 4451 (4) (4) (o) (p) Surveyors Land Not Engaged In Actual Construction (5) ,000 p (6) Swimming Pools No No (8) No See Min Premium Note Swimming Pool Servicing (5) ,000 p (9) (7) Syrups Or Molasses Refining, Blending, Or Mfg ,000 s (4) (d1) CCIS-s.Doc CCIS 197

14 CenCal Insurance Services ification Table (1) This classification includes snow removal from streets, highways or parking lots. (99303) (2) For the purpose of this classification: The existence hazard includes the existence of the following: Sidewalks, culverts, parking meters, traffic lights and signs, street benches and decorations, public refuse receptacles, safety Zone stanchions, light and telephone poles, trees, water hydrants, alarm boxes The maintenance hazard includes operations such as: Ditch cleaning, dragging, dust laying, dusting, erection or removal of snow fences, road markers, signs or guard rails, maintenance of guard rails and posts, oiling, patching, planting on right-of-way, removal of brush, repair or maintenance of culvert, road marking, snow removal, spraying and fumigating, spreading of gravel, street cleaning, street or road maintenance, street or road paving or repaving, surfacing or resurfacing or scraping, tarring or sanding, tree pruning, weed or grass cutting The following shall be separately classified and rated: New construction Toll bridges Drawbridges Basis of premium is each mile. (48727) Contractors storage, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. (4) Refer to company (5) Contractors storage, use 0567 and CPP PMA C. Equipment in the open, use 1190 and CPP PMA C. Office, use 0702 and CPP PMA C or O. (6) This classification applies to risks in the business of providing surveying services but not engaged in actual construction. Use Exclusion Engineers, Architect Or Surveyors Professional Liability Endorsement CG to exclude coverage for liability arising out of the insured s professional services. Draftsmen shall be separately classified and rated. This is an N.P.D. classification. If the insured is also engaged in actual construction and is assigned, in addition to this classification, to any other contracting classification(s) to reflect the exposure of the insured s construction operations, do not use Exclusion Engineers, Architects Or Surveyors Professional Liability Endorsement CG Refer to Rule 28.E. under Division Six General Liability of the CLM to exclude the insured s professional services. (99471) (7) Attach Exclusion Products/Completed Operations Hazard CG2104 (8) Acceptable but only when written in conjunction with other classes (i.e. hotels, motels or apartments. Minimum premium per pool $1500, if this price cannot be done in the admitted rating, must write non-admitted only. (9) This classification applies to risks engaged in routine maintenance of swimming pools, such as cleaning filters, vacuuming and maintaining proper ph level, but not involved in any major repair work. (99505) CCIS-s.Doc CCIS 198