Class Code

Class Description

CA

OR

91127

Alarms and Security Systems – Residential and Commercial – Alarm installation, sales and repair. No fire suppression systems. No monitoring of alarms. No sales without installation.

X

91111

Air Conditioning– Air Conditioning Systems or Equipment, installation, service or repair including dealers. If heating work also use 95647.

X

X

91150

Appliance Installation Commercial - No residential, apartment work ok.No cutting, slicing equipment.

X

X

91155

Appliances Installation – household (residential) - Installation, servicing and repair of household appliances & accessories. No commercial appliances.

X

X

91302

Cable Installation in Conduit or Subways - Cable Installation Underground. Conduit construction shall be separately rated. Classify pole to building work as code 99613. Risks with any trenching, including subbed out, should use Conduit Construction 91577.

X

91342

Carpentry Commercial – Includes commercial tenants improvements & betterments, repair & replacement. All roofing work must be subcontracted. No exterior work on buildings exceeding 3 stories.

X

X

91341

Carpentry Interior - - Finish carpentry, includes woodwork, trim, countertop (no tile), wooden doors, cabinet installation and shelving. No General Contracting or interior room remodel (use 91340). No exterior framing work as a subcontractor.

X

X

91340

Carpentry Residential– Includes structural and non-structural remodeling and repair. All roofing work must be subcontracted. Exterior framing work as a subcontractor not allowed. No exterior work over 3 stories. Examples: Kitchen & bathroom remodeling and decking. Work may also include adding square footage such as a second story or room additions.

X

X

91343

Carpentry Shop Only - Carpentry in shop to include fabrication and assembly of wood products to be installed by the insured. No window fabrication/assembly.

X

91344

Handyman - Residential and Commercial Service and Repair with no jobs exceeding $500 (if unlicensed) or $2,500 (if licensed) in value. Swimming pool cleaning and yard maintenance may be included in this class.

X

X

91590

Contractors Permanent Yards - - Maintenance or Storage of equipment or materials.

X

91405

Carpet, Rug, Furniture or Upholstery Cleaning - Work on customer premises only, no shop exposure.

X

X

91436

Ceiling or Wall Installation - Metal, acoustic

X

X

91481

Chimney Cleaning - Residential & commercial. No chimney repair work.

X

91551

Communication Equip Installation - Wiring, cables & circuits for telephone and communications equip. operating at <50 volts. No telephone line construction, burglar, fire alarm or emergency systems work.

X

X

91560

Concrete Construction - Includes pouring, placing & finishing concrete. Patios, pads, walkways, mow strips, driveways ok. No residential foundations for new homes. Room addition foundations ok. No exterior work on buildings exceeding 3 stories. No pool construction. No public street, road or highway work. Commercial foundations are okay.

X

X

91577

Conduit Construction - Installation of communication or electrical encasement. Maximum depth 12 feet.

X

X

91585

Contractor – Subcontracted Work

X

X

91629

Debris Removal - - No roof tear-off or soft demo. No janitorial work.

X

X

91746

Door/Millwork Installation - - No window work. Garage door work ok.

X

X

92102

Drilling - Water - Private water drilling with limited agricultural exposure. No water quality testing or municipal work.

X

X

92215

Driveway, Parking Area or Sidewalk- Includes pouring, placing & finishing of above-grade concrete flatwork, asphalt or paver installation. No street or road work. No grading or excavation other than incidental to paving.

X

X

92338

Drywall or Wallboard Installation- Residential service and repair only. New commercial OK. No insulation work.

X

X

92339

Drywall - Residential - - Drywall or Wallboard Installation - New Residential. No insulation work.

X

92478

Electrical Work within Buildings - Electrical Work within Buildings including incidental outside work – No power line construction, pole work, burglar or fire alarm system.Rate work on machinery using code 92451. No work over 480 volts. Incidental landscape lighting ok.

X

X

92451

Electrical Apparatus - outside buildings - - Electrical Work outside Buildings - Includes cable, communications, electrical work, lighting and telecommunication work, pumps, generators and machinery. No power line construction or burglary or fire system work.

X

94007

Excavation - - Maximum depth 12 feet. No street and road, agricultural or building demo other than outbuildings.

X

X

94276

Fence Erection Contractors - No child-safety or electrically charged fencing. Automated gates acceptable. No manufacture of metal fences--erection only with no other welding exposure.

X

X

94569

Floor Covering Installation - No dealers. Installation of carpeting, laminate and hardwood flooring. -- Ceramic tile, stone, marble or terrazzo work should be separately classified. (No Epoxy or Specialty Coatings).

X

X

95124

Furniture or Fixture Installation in Office or Store -Furniture or fixture installation, service or repair in offices or stores – metal or wood.

X

95410

Grading - - No street and road or agriculture work.

X

X

95647

Heating & A/C - Dealer and Distributor – no LPG – Includes installation, service and repair.

X

X

95648

Heating & A/C - Dealer and Distributor – LPG allowed – Includes installation, service and repair.

X

96053

House Furnishing Installation - Residential Only. Includes installation of pictures, mirrors, window treatments and closet organizers. No furniture repair or moving services. For residential appliance installation see 91155.

X

X

96410

Insulation Work, Mineral – Excluding Asbestos - Installation or application of acoustical or thermal insulating material in buildings or within building walls.

X

96409

Insulation Work, Organic – Excluding Asbestos - Installation or application of organic insulation materials including insulation made with cellulose, rags or wood.

X

96408

Insulation Work, Plastic – Excluding Asbestos - Installation or application of plastic insulating material in buildings or within building walls.

X

96611

Interior Decorators - Interior decorating for residential and commercial.

X

96816

Janitorial - COMMERCIAL OFFICES ONLY - No residential exposures, model homes, retail work or sales of chemicals or cleaning supplies.

X

X

97047

Landscape Maintenance & Gardening - Landscape Maintenance & Gardening–Basic landscape/lawn care service-mowing, mulching, planting, &/or installation. Over-the-counter fertilizer/weed control ok. Lawn sprinkler installation ok. Tree trimming from ground level allowed if incidental to other landscaping operations.

X

X

97447

Masonry - Includes cutting & laying of bricks, block, stone and other unit masonry or clay product and mortar work. Retaining walls ok. Fireplace and chimney work ok. No exterior work on buildings exceeding 3 stories. No retaining walls over 6 feet.

X

X

97650

Metal Erection - Decorative - Interior work only, non-structural, office partitions or work stations.

X

X

97653

Metal Erection – Non-Structural NOC - Metal Erection – No structural work. Includes wrought iron handrails and gates.

X

98111

Office Machines or Appliances Installation, Service or Repair - - Office machine installation, inspection, adjustment or repair including shop operations.

X

98304

Painting Exterior - Buildings & appurtenant structures only, incl. walkways/fences, surface prep & faux/texture painting. No waterproofing, exterior work on buildings exceeding 3 stories or roof painting. No work on tanks, street and road or bridges. No epoxy or specialty coatings.

X

X

98305

Painting Interior - No exterior, no waterproofing. Bathtub refinishing ok. No epoxy or specialty coatings.

X

X

98344

Paperhanging - Includes surface preparation, covering walls and ceilings with wallpaper, fabric, vinyl or other wall coverings.

X

X

98449

Plastering or Stucco Work - COMMERCIAL WORK ONLY. No residential. Excludes Exterior Insulation and Finish Systems (EIFS) work and exterior work on buildings exceeding 3 stories in height.

X

98482

Plumbing Commercial - No fire sprinklers or steam boiler work. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms. Not Available in CA.

X

98483

Plumbing Residential - No New Residential work allowed. Includes the installation, service or repair of gas, steam, hot water, pipe or other pipe fittings including building connections. Back flow testing allowed. This class also includes shops and display rooms. Not Available in CA.

X

98502

Prefabricated Building Erection - Intended for light, non-habitational service or outbuildings. No commercial retail usage.

X

X

98636

Refrigeration Equipment - Installation, service and repair of commercial refrigeration systems. No Wholesale cold storage, no manufacturing or food processing plants, no liquefied petroleum gas (LPG) equipment sales or work.

X

X

98805

Septic Tank Cleaning- No RV work. No work below 12 feet. Cleaning of restaurant grease traps ok.

X

X

98806

Septic Tank Installation - No RV work or work below 12 feet. This classification includes house connections, shop and display rooms.

X

X

98813

Sewer Cleaning- - Sewer Main Cleaning – no installation.

X

98820

Sewer Mains Construction - No work below 12 feet. No blasting.

X

X

98967

Siding and Gutter Installation- Installation includes soffit/fascia and decorative shutters. No new residential work. No spray on siding/roofing/roof flashings or work on building exceeding 3 stories in height.

X

X

98993

Sign Erection, Installation or Repair - Sign Erection, Installation or Repair not exceeding three stories. Shop operations included. Neon sign installation ok.

X

99004

Sign Painting- No sign erection or work over 2 stories.

X

X

99303

Street Cleaning - This classification includes snow removal from driveways and parking lots. Power washing is not eligible. Must verify that all vehicles used for street cleaning or snow removal are covered by commercial auto policies with at least $1MM limits. Exclude mobile equipment over the road exposures.

X

99613

Telephone, Telegraph or Cable TV Line Construction- Wiring, cables and circuits for telephone and communications equipment, low voltage work. Includes pole to building installations.

X

99746

Tile, Stone, Marble, Mosaic or Terrazzo Work - Installation and repair of these materials to floors, walls or counter-tops. No swimming pool work or roofing operations.

X

X

99946

Water Mains Construction - No work below 12 feet. No blasting.

X

X

99948

Water Softening Equipment - Installation, service and repair - This classification includes incidental plumbing operations and the sales of water softening equipment to be used in conjunction with the installation. Commercial only, no residential exposures allowed.

X

99975

Window Cleaning - Window cleaning service. No tinting of windows allowed or work over 3 stories in height.

X

49840

Window Decorating - Decorating of commercial windows. No tinting allowed or work over 3 stories in height.

X