Appetite Guide for Commercial Insurance PDF
Preview Appetite Guide for Commercial Insurance
Appetite Guide for Commercial Insurance Cincinnati Branch Office P.O. Box 429598 • Blue Ash, OH 45242-9598 Phone 513.221.6010 www.emcins.com MK8590T Appetite Guide for Commercial Insurance The EMC Appetite Guide is designed to provide a tool for our Independent Agents to evaluate EMC Insurance Companies appetite for various classifications of risk. Our appetite is based on past experience and classification expertise, and is wide ranging. While using this Guide, remember that no two risks are exactly alike, and that individual risks may be better or worse that the norm of the classification involved. Because of individual risk variations within classes, accounts with unacceptable grades may be approved with appropriate justification, while accounts with acceptable grading may not. All potential policyholders must meet EMC Insurance Companies minimum underwriting requirements to be considered. Following are color coded grading numbers, with explanations to indicate the degree of desirability for the occupancy/operation to EMC: 1. DESIRABLE - A desirable class of business barring unusual conditions not typical of the occupancy/operation and subject to normal underwriting requirements. 2. ACCEPTABLE - A good class of business that is regularly written. Risks will usually have conditions or special hazards that management must show control over to meet underwriter approval. 3. RISK by RISK - A challenging class of business that poses increased severity exposures. Not regularly written. Must be better than average and must be supported by complete underwriting information. May require a pre-inspection. Agency control of the business and agency track record with EMC are key considerations. 4. PROHIBITED - Considered extremely hazardous, this is a class of business that is not compatible with EMC’s underwriting philosophy. We do not typically pursue monoline business, but if you have a good account where a portion of it can be written elsewhere – please discuss it with your underwriter. Page 1 of 30 (5-07) Comments Abrasive Wheel Manufacturing Abrasives Or Abrasive Products Manufacturing Abrasives Or Abrasive Products Manufacturing – Artificial Accounting Services Adhesive Manufacturing Adhesive Tape Manufacturing Adult Day Care – Not For Profit Property may be acceptable Adult Day Care – For Profit Property may be acceptable Advertising & Related Services Advertising Sign Companies – Outdoor Aerosol Container Manufacturing Aerosol Containers – Filling Or Charging For Others Air Conditioning Equipment Manufacturing Air Conditioning Equipment – Dealers Or Distributors Only Air Conditioning Equipment-Retail Only Air Cond System Or Equip Dealers Or Distribution & Install Service/Repair Airports – Commercial Airports – Private Airport Runway Or Warning Apron – Paving Or Repaving, Surfacing Air Transportation Companies Alarm Manufacturing – Burglar Alarm Manufacturing – Fire Or Smoke Alarms & Alarm Systems – Installation, Servicing Or Repair Alarms – Security Systems – Monitoring Alcohol Manufacturing – Not Beverage Ambulance Service, First Aid Or Rescue Squads – Not For Profit Only Ambulance Service, First Aid Or Rescue Squads – Other Than Not For Profit Amusement Centers Amusement Devices NOC Amusement Devices Operating In Connection w/Carnivals & Fairs Amusement Parks Analytical Chemists Anhydrous Ammonia Dealers & Distributors Antique Stores Apartment Bldgs Age, Condition, Size & Value are key factors Appliance & Accessories Manufacturing – Commercial – Gas Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 2 of 30 (5-07) Appliance & Accessories Manufacturing – Commercial – Not Gas Appliance & Accessories Manufacturing – Household – Gas Appliance & Accessories Manufacturing – Household – Not Gas Appliance & Accessories Installation, Servicing, Or Repair Commercial Appliance & Accessories Installation, Servicing, Or Repair Household Appliance Distributors – Household Type Appliance Distributors – Household Type – Radio TV or CD Players Appliance Stores – Household Type Archery Ranges – NOC Armored Car Service Companies Armories – Government Owned Army & Navy Stores Art Galleries – Not For Profit Only Art Galleries – Other Than Not For Profit Asbestos Goods Manufacturing Asphalt Or Tar Distilling Or Refining Asphalt Works Athletic Games Sponsored By The Insured Not For Profit Only Athletic Games Sponsored By The Insured Other Than Not For Profit Auctioneers – Livestock Sales Conducted Away From Insd Premises Auctioneers – Sales Conducted Away From Insured Premises Auctions – On Premises Owned Or Rented By The Insured Automobile Body Shops Automobile, Bus & Truck Body Manufacturing Automobile, Bus Or Truck Parts Manufacturing Brakes or Brake lining Automobile, Bus Or Truck Parts Manufacturing No Operating Parts Automobile, Bus Or Truck Parts Manufacturing Operating Parts Automobile, Bus Or Truck Parts Manufacturing – Passenger Restraining Device Automobile Dealers (Franchised & Non Franchised) Automobile Dismantling Automobile Manufacturing Or Assembling Automobile Parts & Supplies Distributors EMC CHOICE eligible Automobile Parts & Supplies Stores Automobile Quick Lube Service Automobile Renting Or Leasing Companies Automobile Repair Or Service Shops Noc EMC CHOICE eligible Automobile Repair Shops – Self-Service Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 3 of 30 (5-07) Baby Food Manufacturing NOC Baby Food Manufacturing – In Glass Containers Bakeries Bakery Plants Barber Or Beauty Shop Supplies Distributors EMC CHOICE eligible Barber Shops Bars & Taverns No cover charge, no entertainment, no dance floor Battery Manufacturing – Dry Cell Battery Manufacturing – Wet Cell Or Storage Bazaars Operated By Insd Not For Profit Only Bazaars Operated By Insd Other Than Not For Profit Beach Chairs & Umbrellas Rented To Others Beaches – Bathing – Commercially Operated Beaches – Bathing – Not Commercially Operated Bearing Manufacturing Beauty Parlors & Hair Styling Salons 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/Plastic Bottles Beverage Bottler - Soft Drinks - Carbonated In Glass Bottles Beverage Bottler - Soft Drinks - In Metal Cylinders Beverage Bottler - Soft Drinks - In Paper Containers Beverage Bottler - Soft Drinks - Not Carbonated In Bottles Or Cans Beverage Distributors – Alcoholic Other Than Beer EMC CHOICE eligible Beverage Distributors Nonalcoholic & Beer EMC CHOICE eligible Beverage Stores – Liquor And Wine Beverage Stores – Soft Drinks & Beer Bicycle Manufacturing – Not Motorized Bicycle Stores – Sales And Servicing Bicycles – Rented To Others Billiard Or Pool Halls Billiard Or Pool Table Manufacturing Bingo Games – In Public Halls Or Theaters - Commercially Operated Blacksmithing Blasting Operations Blood Banks Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 4 of 30 (5-07) Boarding Or Rooming Houses Boat Or Ship Building Boat Dealers (Franchised Only) EMC CHOICE eligible Boat Repair & Servicing Boat Storage & Moorage Boat Yards Or Marinas – Public Boats – Canoes Or Rowboats For Rent Not Equipped With Motors Boats – Canoes Or Rowboats Not For Rent Not Equipped w/Motors Boats – Motor Or Sail - Not For Rent Boats – Motor Or Sail - Rented To Others Boats – Nonowned Over 26 Feet Boats – Not For Rent NOC Boats – Rented To Others NOC Boiler Inspection, Installation, Cleaning Or Repair Bolt, Nut, Rivet, Screw Or Washer Manufacturing Bookbinding & Printers Supplies Bookbinding – Not For Profit Only Bookbinding – Other Than Not For Profit Book Distributors Bookkeeping Services Book & Magazines Stores Not For Profit Only Book & Magazines Stores Other Than Not For Profit Bottle & Jar Manufacturing – Glass – Not For Use Under Pressure Bottle & Jar Manufacturing – Glass – For Use Under Pressure Nonreturnable Bottle & Jar Manufacturing – Glass – For Use Under Pressure Returnable Bottle & Jar Manufacturing – Plastic – Nonreturnable Bottle & Jar Manufacturing – Plastic – Returnable Bowling Lanes Boxes Or Containers Manufacturing – Corrugated Or Fiberboard Boxes Or Containers Manufacturing – Wood Boy Or Girl Scout Councils (Not Camps) Brick Manufacturing Bridge Or Elevated Highway Construction Brush Or Broom Manufacturing Builder's Risk for insured contractors Building Material Dealers (Minimal Lumber For Property) Building Material Dealers – Other Than Secondhand Material Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 5 of 30 (5-07) Building Material Dealers – Secondhand Material Building Material Distributors (Minimal Lumber For Property) Building Structure – Raising Or Moving Buildings Or Premises – Bank EMC CHOICE eligible Buildings Or Premises – Office Not For Profit Only Buildings Or Premises – Other Than Not For Profit Buildings Or Premises – Bank Or Office Mercantile / Manufacturing Lessor's Risk NFP Buildings Or Premises – Bank Or Office Mercantile / Mfg Lessor's Risk Other than NFP Bldgs Or Prem - Bank/Office Mercantile / Manufacturing Maintained By Insured NFP Bldgs Or Prem – Bank/Office Mercantile / Mfg Maintained By Insured Other than NFP Bldgs Or Prem Off Prem Occ By Emp Of Insured Not For Profit Only Bldgs Or Prem Off Prem Occ By Emp Of Insured Other Than Not For Profit Bus Manufacturing Or Assembling Or Reconstruction Bus Stations Or Terminals Bus Transportation Companies – Passenger & Commuter Bus Transportation Companies – Scenic & Sightseeing Buttons Or Fasteners Manufacturing Cable Installation In Conduits Or Subways Cable Or Subscription Television Companies Caisson Or Cofferdam Work Camera And Photographic Equipment Stores Camper Bodies Or Camper Trailers Manufacturing Camper Or Travel Trailer Sales Agencies Campers Manufacturing Self-Powered Campgrounds Camps Can Manufacturing Metal Candle Manufacturing Candy Or Confectionery Products Manufacturing Candy Or Confectionery Stores Car Washes Car Washes - Self Service Carbon Paper Or Inked Ribbon Manufacturing Carnival Or Circus Companies Carpentry Construction Of Residential Prop Not Exceeding 3 Stories Carpentry NOC-No Generals Carpentry – Interior Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 6 of 30 (5-07) Carpentry – Shop Only Carpet Or Rug Manufacturing Carpet, Rug, Or Furniture Or Upholstery Cleaning On Customers Premises Carpet, Rug Or Upholstery Cleaning – Shop Only Catalog Or Premium Coupon Redemption Store Caterers Caulking Compounds, Putty Or Similar Products Manufacturing Caves – Tourists Attraction Ceiling Or Wall Installation – Metal Cellophane And Cellophane Products Manufacturing Cement, Concrete Mix Or Plaster Manufacturing – Packaged Cement Or Plaster Manufacturing Bulk Cemeteries – Not For Profit Only Cemeteries – Other Than Not For Profit Chairs – Rented To Others Charcoal Or Coal Briquette Manufacturing Chemical Distributors Chemical Manufacturing – Commercial Or Industrial Chemical Manufacturing – Household Children's Play centers – Indoors Chimney Cleaning China, Porcelain Or Earthenware Manufacturing Churches Or Other Houses For Worship EMC CHOICE eligible Clay Or Shale Digging Clay Products Manufacturing Cleaning Outside Surfaces Of Buildings15 ft or less Clock Manufacturing Clothing Manufacturing Clothing Or Wearing Apparel Distributors EMC CHOICE eligible Clothing Or Wearing Apparel Stores Not For Profit Only Clothing Or Wearing Apparel Stores Other Than Not For Profit Club – Civic, Service Or Social Having Buildings Or Prem Owned Club – Civic, Service Or Social No Buildings Except For Office Clubs – Country And Golf Clubs – Horseback Riding – No Commercial Riding Instructions Clubs – Racket Sports And Handball Clubs – Swimming Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 7 of 30 (5-07) Coffins Or Caskets Manufacturing Coke Manufacturing Collectibles And Memorabilia Stores Collection Agencies-No PI or door to door Color Or Pigment Preparation Commissary Work Commodity Brokers & Dealers Commodity Exchanges Communication Equipment Installation – Industrial & Commercial Communication Or Recording Systems Or Equipment Manufacturing Communication Or Recording Systems Or Equipment Mfg Industrial & Commercial Community Recreational Facilities – Not Operated By A Government Agency Composition Goods Manufacturing – Not Floor Coverings Computer Consulting Or Programming Computer Data Processing Operations Computer Data Processing Timesharing Computer Manufacturing Computer Service Or Repair Computer Software Manufacturing – Prepackaged Computer Stores Concessionaires Concessionaires – Checkroom, shoe shine or toilet concessions Concrete Construction Concrete – Mixed In Transit Concrete Or Cement Distribution Towers Rented To Others Inst/Repair Concrete Or Plaster Products Manufacturing – Not Structural Concrete Products Manufacturing – Pre-stressed Concrete Products Manufacturing – Structural Condos - Commercial Bank Or Mercantile, Manufacturing Or Office (Assoc Risk) Condominiums – Commercial Shopping Centers (Assoc Risk Only) Condominiums – Commercial Warehouses Manufacturing Or Private (Assoc Risk Only) Condominiums – Residential – (Association Risk Only) Conduit Construction For Cables Or Wires Consultants – NOC Consultants Contact Lens Manufacturing Contractors Equip Dealers – Ladders Excl Hoists, Scaffolds Or Towers Contractors Eqpt - Cranes, Derricks rented with Operator Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 8 of 30 (5-07) Contractors Eqpt - Cranes, Derricks rented without Operator Contractors Eqpt - Earth Moving equipment rented with Operator Contractors Eqpt - Earth Moving equipment rented without Operator Contractors Eqpt excluding Auto - rented with Operator Contractors Eqpt excluding Auto - rented without Operator Contractors Executive Supervisors Contractors - subcontracted work - Bridge, Tunnel, Highway, Oil & Gas Field Contractors - subcontracted work - all other Contractors Permanent Yards – Maintenance Or Storage Equip/Material Convenience Food Stores Convenience Food/Gasoline Stores – Full Service Convenience Food/Gasoline Stores – Self Service Convenience Food/Gasoline Stores – Self & Full Service Combined Convenience Store Without Cooking Exposure Convenience Store With A Cooking Exposure Conventions (Sponsor's Risk Only) Not For Profit Only Conventions (Sponsor's Risk Only) Other Than Not For Profit Convents Or Monasteries Copying And Duplicating Services EMC CHOICE eligible Cosmetic, Hair Or Skin Preparation Stores-Retail Only Cosmetics Manufacturing Cotton Batting, Wadding Or Waste Manufacturing Cotton Compressing Cotton Gin Operations Cotton Gin Operators Other Than Those Performed For A Fee Per Bale Cotton Or Wool Merchants Credit Reporting Agencies-No Personal Injury Crematories – Not For Profit Only No Professional coverage available Crematories – Other Than Not For Profit No Professional coverage available Crop Spraying – By Contractors Cutlery (Not Powered) And Flatware Manufacturing Dairy Products Mfg Dairy Products Or Butter & Egg Stores – Not For Profit Only Dairy Products Or Butter & Egg Stores – Other Than Not For Profit Dam, Levee Or Dike – Existence Hazard Only Dam Or Reservoir Construction Dance Halls Or Ballrooms – Not For Profit Only Desirable class that is regularly written. Generally acceptable but may require additional information. Considered on a risk by risk basis. Prohibited class that is not compatible with company philosophy. Some risks may have specific lines of coverage that are unacceptable while other portions can still be written. Page 9 of 30 (5-07)
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