Appetite Guide for Commercial Insurance PDF
Preview Appetite Guide for Commercial Insurance
Appetite Guide for Commercial Insurance Lansing Branch Office P.O. Box 30546 Lansing, MI 48909 Phone 800.292.1320 Underwriting FAX 888.992.5144 www.emcins.com MK8590 E Appetite Guide for Commercial Insurance The EMC Appetite Guide is designed to provide a tool for our Independent Insurance 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 than 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 potentialpolicyholdersmust meet EMC InsuranceCompaniesminimumunderwriting requirementsto be considered. Following are color coded grading numbers, with explanations to indicate the degree of desirability of the occupancy/operationto EMC: 1 - Preferred: Adesirable class of business, barring unusual conditions not typical of the occupancy/operation and subject to normal underwriting requirements. 22 – DDesiirabblle: AA ddesiirabblle cllass off bbusiiness, bbutt hhas conddiittiions or speciiall hhazardds requiiriing tthhatt tthhe riiskk mustt shhow controlsover. Must meet underwriters approval. 3 – Eligible with Proper Characteristics: A marginal class of business, must be better than average in its class to be considered andbe supportedby account or agency reasons. Management approvalis required. 4 – Typically Ineligible: Considered extremely hazardous, class is not compatible with EMC Insurance Companies philosophy. " – " The line of business is more properly classified by a different class, the products/completed operations exposure is anticipatedwithin the Premises Operationsclassification, or there is no exposure for that line of business. For questionsregarding this guide, contact your EMC Insurance Companiesunderwriter or marketing representative. EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Abrasive Wheel Manufacturing 3 2 3 3 1 2 Abrasives Or Abrasive Products Manufacturing 3 2 3 3 1 2 Abrasives Or Abrasive Products Manufacturing – Artificial 3 2 3 3 1 2 Accounting Services 2 2 - 2 2 1 Adhesive Manufacturing 3 2 3 3 1 4 Adhesive Tape Manufacturing 3 2 3 3 1 4 Adult Day Care – Not For Profit 4 3 - 4 3 2 Adult Day Care – For Profit 4 3 - 4 3 2 Advertising And Related Services 2 2 - 2 2 1 Advertising Sign Companies – Outdoor 3 2 - 4 1 1 Aerosol Container Manufacturing 4 3 4 3 1 2 Aerosol Containers – Filling Or Charging For Others 4 4 4 4 3 4 Air Conditioning Equipment Manufacturing 2 2 2 2 1 1 Air Conditioning Equipment – Dealers Or Distributors Only 1 1 1 1 1 1 Air Cond System Or Equip Dealers Or Distribution And Install Service/Repair 2 2 2 3 1 1 Aircraft or Aircraft Parts Manufacturing 4 4 4 2 1 2 Airports – Commercial 4 4 - 4 4 4 Airports – Private 4 4 - 4 4 3 Airport Runway Or Warning Apron – Paving Or Repaving, Surfacing 4 4 4 4 4 - Air Transportation Companies 4 - - 4 4 Alarm Manufacturing – Burglar 3 3 4 2 1 2 Alarm Manufacturing – Fire Or Smoke 3 4 4 2 1 2 Alarms And Alarm Systems – Installation, Servicing Or Repair 3 2 3 2 1 1 Alarms – Security Systems – Monitoring 4 4 - 4 4 1 Alcohol Manufacturing – Not Beverage 3 3 3 3 3 4 Ambulance Service, First Aid Or Rescue Squads – Not For Profit Only 4 3 3 3 3 1 Ambulance Service, First Aid Or Rescue Squads – Other Than Not For Profit 4 4 4 4 4 1 Amusement Centers 4 3 - 3 2 2 Amusement Devices NOC 4 3 - 3 3 - Amusement Devices Oper In Conn W/Carnivals And Fairs 4 4 - 4 4 - Amusement Parks 4 4 4 4 4 4 Analytical Chemists 3 3 3 3 3 3 Anhydrous Ammonia Dealers And Distributors 3 3 3 3 3 3 Animal Mortality 4 Antique Stores 3 2 3 2 2 3 Apartment Buildings 4 3 - 3 2 3 Appliance And Accessories Manufacturing – Commercial – Gas 2 1 3 2 1 1 Appliance And Accessories Manufacturing – Commercial – Not Gas 2 1 3 2 1 1 Appliance And Accessories Manufacturing – Household – Gas 2 1 3 2 1 1 Page 1 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Appliance And Accessories Manufacturing – Household – Not Gas 2 1 3 2 1 1 Appliance And Accessories Installation, Servicing, Or Repair Commercial 2 1 2 2 2 1 Appliance And Accessories Installation, Servicing, Or Repair Household 1 1 1 2 2 1 Appliance Distributors – Household Type 1 1 1 2 1 1 Appliance Distributors – Household Type – Radio TV or CD Players 1 1 1 2 1 1 Appliance Stores – Household Type 2 2 1 2 2 1 Archery Ranges – NOC 4 4 - 4 1 - Armored Car Service Companies 4 4 - 4 4 1 Armories – Government Owned 2 - - - - 2 Army And Navy Stores 3 3 3 2 2 3 Art Galleries – Not For Profit Only 2 2 2 2 2 2 Art Galleries – Other Than Not For Profit 2 2 2 2 2 2 Asbestos Goods Manufacturing 4 4 4 4 4 4 Asphalt Or Tar Distilling Or Refining 3 3 3 3 2 4 Batch plant not acceptable Asphalt Works 3 3 3 3 2 4 Batch plant not acceptable Athletic Games Sponsored By The Insured Not For Profit Only 4 3 - 3 3 - Athletic Games Sponsored By The Insured Other Than Not For Profit 4 4 4 4 4 - Auctioneers – Livestock Sales Conducted Away from Insd Premises 3 3 - 3 2 3 Auctioneers – Sales Conducted Away from Insd Premises 2 2 - 2 2 3 Auctions – On Premises Owned Or Rented By The Insured 2 2 - 2 2 3 Automobile Body Shops 3 2 2 2 3 3 Approved spray booth; no more than 12 vehicle sales per year Automobile, Bus And Truck Body Manufacturing 4 3 4 3 2 2 Automobile, Bus Or Truck Parts Manufacturing Brakes or Brake lining 4 3 4 3 2 2 Automobile, Bus Or Truck Parts Manufacturing No Operating Parts 3 2 3 3 2 2 Automobile, Bus Or Truck Parts Manufacturing Operating Parts 3 2 4 3 2 2 Automobile, Bus Or Truck Parts Manufacturing – Passenger Restraining Devise 4 2 4 3 2 2 Automobile Dealers (Franchised Only) 3 3 3 3 3 2 Automobile Dismantling 4 3 4 4 3 3 Automobile Manufacturing Or Assembling 4 3 4 3 2 2 Automobile Parts And Supplies Distributors 2 1 2 2 1 1 Automobile Parts And Supplies Stores 2 2 2 2 1 1 Automobile Quick Lube Service 4 2 - 2 2 1 Automobile Renting Or Leasing Companies 4 4 - 4 4 1 Automobile Repair Or Service Shops Noc 2 2 2 2 2 2 Automobile Repair Shops – Self-Service 4 3 3 2 2 2 Baby Food Manufacturing – NOC 3 3 4 2 1 2 Baby Food Manufacturing – In Glass Containers 3 3 4 2 1 2 Bakeries 2 1 2 2 1 3 Bakery Plants 2 1 3 2 2 2 Page 2 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Barber Or Beauty Shop Supplies Distributors 1 1 2 1 1 2 Barber Shops 1 1 - 1 1 1 Bars And Taverns 4 4 - 3 2 4 Battery Manufacturing – Dry Cell 3 3 3 3 2 3 Battery Manufacturing – Wet Cell Or Storage 3 3 3 3 2 4 Bazaars Operated By Insd Not For Profit Only 3 3 - 3 2 - Bazaars Operated By Insd Other Than Not For Profit 3 3 - 3 2 - Beach Chairs And Umbrellas Rented To Others 3 3 - 3 2 - Beaches – Bathing – Commercially Operated 4 4 - 4 4 2 Beaches – Bathing – Not Commercially Operated 4 3 - 3 3 2 Bearing Manufacturing 2 2 3 2 1 2 Beauty Parlors And Hair Styling Salons 2 2 2 2 2 1 Beer, Ale Or Malt Liquor Manufacturing In Bottles 2 2 3 2 2 2 No restaurant operations Beer, Ale Or Malt Liquor Manufacturing In Cans 2 2 3 2 2 2 No restaurant operations Beer, Ale Or Malt Liquor Manufacturing Not Bottled or Canned 2 2 3 2 2 2 No restaurant operations Beverage Bottler – Soft Drinks – Carbonated in Cans/Plastic Bottles 2 2 3 2 2 1 Beverage Bottler – Soft Drinks – Carbonated In Glass Bottles 2 2 3 2 2 1 Beverage Bottler – Soft Drinks – In Metal Cylinders 2 2 3 2 2 1 Beverage Bottler – Soft Drinks – In Paper Containers 2 2 3 2 2 1 Beverage Bottler – Soft Drinks – Not Carbonated In Bottles Or Cans 2 2 3 2 2 1 Beverage Distributors – Alcoholic Other Than Beer 3 2 2 3 3 1 Beverage Distributors Nonalcoholic And Beer 3 2 2 3 3 1 Beverage Stores – Liquor And Wine 3 2 2 3 2 1 No liquor legal Beverage Stores – Soft Drinks And Beer 3 2 2 3 2 1 No liquor legal Bicycle Manufacturing – Not Motorized 3 3 4 2 2 1 Bicycle Stores – Sales And Servicing 2 2 3 2 2 1 Bicycles – Rented To Others 3 3 - 2 2 - Billiard Or Pool Halls 4 4 - 4 4 4 Billiard Or Pool Table Manufacturing 2 2 2 2 2 3 Bingo Games – In Public Halls Or Theaters – Commercially Operated 2 3 - 2 2 2 Blacksmithing 3 3 - 3 2 2 Blasting Operations 4 4 - 4 4 - Blood Banks 4 4 - 4 2 2 Boarding Or Rooming Houses 4 4 - 4 4 4 Boat Or Ship Building 4 4 4 4 3 3 Boat Dealers (Franchised Only) 2 3 2 1 1 2 Boat Repair And Servicing 2 2 3 3 1 1 Boat Storage And Moorage 2 3 - 3 2 1 Boat Yards Or Marinas – Public 4 4 4 4 4 3 Page 3 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Boats – Canoes Or Rowboats For Rent Not Equipped With Motors 4 4 - 3 2 - Boats – Canoes Or Rowboats Not For Rent Not Equipped With Motors 4 3 - 3 2 - Boats – Motor Or Sail – Not For Rent 4 3 - 3 2 - Boats – Motor Or Sail – Rented To Others 4 4 - 3 2 - Boats – Nonowned Over 26 Feet 4 3 - 2 2 - Boats – Not For Rent NOC 4 4 - 3 2 - Boats – Rented To Others NOC 4 4 - 3 2 - Boiler Inspection, Installation, Cleaning Or Repair 4 3 3 3 2 2 Bolt, Nut, Rivet, Screw Or Washer Manufacturing 2 1 3 2 2 2 Bookbinding And Printers Supplies 2 2 - 2 1 1 Bookbinding – Not For Profit Only 2 2 - 2 1 2 Bookbinding – Other Than Not For Profit 2 2 - 2 1 2 Book Distributors 2 2 2 2 2 1 Bookkeeping Services 2 2 - 2 2 1 Book And Magazines Stores Not For Profit Only 3 3 - 3 3 1 Book And Magazines Stores Other Than Not For Profit 2 2 - 2 1 1 Bottle And Jar Manufacturing – Glass – Not For Use Under Pressure 2 1 3 3 1 2 Bottle And Jar Manufacturing – Plastic – Nonreturnable 3 1 3 3 1 3 Bottle And Jar Manufacturing – Plastic – Returnable 3 1 3 3 1 3 Bowling Lanes 4 4 - 4 2 4 Boxes Or Containers Manufacturing – Corrugated Or Fiberboard 3 1 3 3 1 3 Boxes Or Containers Manufacturing – Wood 3 1 3 3 1 3 Boy Or Girl Scout Councils (Not Camps) 3 3 - 3 3 1 Bottle And Jar Manufacturing – Glass – For Use Under Pressure Nonreturnable 2 1 3 3 1 2 Bottle And Jar Manufacturing – Glass – For Use Under Pressure Returnable 2 1 3 3 1 2 Brick Manufacturing 2 1 2 2 2 2 Bridge Or Elevated Highway Construction 4 4 4 4 4 - Brush Or Broom Manufacturing 2 1 2 2 1 3 Builder's Risk for insured contractors 3 - - - - 3 Building Material Dealers (Minimal Lumber For Property) 2 2 2 2 2 2 Building Material Dealers – Other Than Secondhand Material 3 2 3 3 3 2 Building Material Dealers – Secondhand Material 3 3 3 3 3 4 Building Material Distributors (Minimal Lumber For Property) 2 1 2 2 2 2 Building Structure – Raising Or Moving 4 4 4 4 4 4 Buildings Or Premises – Bank 2 3 - 3 2 1 Building or Premises – Office Not for Profit Only 2 2 - 2 2 1 Building or Premises – Other than Not for Profit 2 2 - 2 2 1 Buildings Or Premises – Bank Or Office Mercant/ Manufacturing Lessor's Risk NFP 2 2 - 2 2 - Buildings Or Premises – Bank Or Office Mercant/Mfg Less Risk Other than NFP 2 2 - 2 2 - Page 4 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Bldgs Or Prem – Bank/Office Mercant/ Manufacturing Maintained By Insured NFP 2 2 - 2 2 - Bldgs Or Prem – Bank/Office Mercant/Mfg Maintained By Insured Other than NFP 2 2 - 2 2 - Bldgs Or Prem Office Prem Occ By Emp Of Insured Not For Profit Only 2 2 - 2 2 1 Bldgs Or Prem Office Prem Occ By Emp Of Insured Other Than Not For Profit 2 2 - 2 2 1 Bus Manufacturing Or Assembling Or Reconstruction 4 3 4 3 2 2 Bus Stations Or Terminals 2 3 - 2 2 2 Bus Transportation Companies – Passenger And Commuter 4 - - 4 4 - Bus Transportation Companies – Scenic And Sightseeing 4 - - 4 4 - Business Services – NOC (except personal care) 3 - - 3 2 1 Buttons Or Fasteners Manufacturing 2 1 3 2 2 2 Cable Installation In Conduits Or Subways 2 2 2 2 2 2 Cable or Subscription Television Companies 2 2 - 3 2 1 Caisson or Cofferdam Work 4 4 4 4 4 - Camera And Photographic Equipment Stores 1 1 1 1 1 1 Camper Bodies or Camper Trailers Manufacturing 4 4 4 2 2 3 Camper or Trailer Sales Agencies 2 2 2 2 2 2 Campers Manufacturing Self-Powered 4 4 4 3 2 3 Campgrounds 3 3 - 3 2 2 Camps 4 4 - 4 4 4 Can Manufacturing Metal 3 1 3 3 2 2 Candle Manufacturing 2 1 2 2 1 4 Candy Or Confectionery Products Manufacturing 2 1 3 2 1 2 Candy Or Confectionery Stores 2 2 2 1 1 1 Car Washes 2 3 - 3 2 2 Car Washes – Self Service 2 2 - 2 2 3 Carnival Or Circus Companies 4 4 - 4 4 4 Carpentry Construction Of Residential Prop Not Exceeding 3 Stories 2 1 1 3 1 1 Subs must be less than 25% Carpentry NOC – No Generals 2 1 2 3 1 1 Carpentry – Interior 2 1 1 3 1 1 Carpentry – Shop Only 2 1 1 2 1 3 Carpet Or Rug Manufacturing 2 1 3 2 1 3 Carpet, Rug, Or Furniture Or Upholstery Cleaning On Customers Premises 2 2 - 3 2 - Carpet, Rug Or Upholstery Cleaning – Shop Only 2 1 - 2 2 1 Caterers 3 2 3 3 3 2 Caulking Compounds, Putty Or Similar Products Manufacturing 3 1 4 2 1 3 Caves – Tourists Attraction 4 4 - 4 4 4 Ceiling Or Wall Installation – Metal 3 2 2 3 1 1 Cellophane And Cellophane Products Manufacturing 3 2 3 3 2 4 Cement, Concrete Mix or Plaster Manufacturing Packaged 3 2 3 3 2 1 Page 5 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Cement or Plaster Manufacturing Bulk 3 2 3 3 1 1 Cemeteries – Not For Profit Only 2 2 - 2 2 1 Cemeteries – Other Than Not For Profit 2 2 - 2 2 1 Charcoal Or Coal Briquette Manufacturing 3 1 3 3 1 4 Chemical Distributors – dependant on the chemical 3 3 3 3 3 3 Chemical Manufacturing – Commercial Or Industrial 4 4 4 4 4 4 Chemical Manufacturing – Household 4 4 4 4 4 4 Children's Play Centers – Indoors 3 4 - 2 2 2 Chimney Cleaning 3 3 - 4 2 1 China, Porcelain Or Earthenware Manufacturing 2 1 3 2 1 2 Churches Or Other Houses For Worship 2 2 - 2 2 1 Clay Or Shale Digging 3 3 2 3 2 2 Clay Products Manufacturing 3 2 3 3 2 2 Cleaning Outside Surfaces Of Buildings15 ft or less 3 2 - 4 1 - Clock Manufacturing 2 1 2 2 1 1 Clothing Manufacturing 2 1 3 2 1 2 Clothing or Wearing Apparel Distributors 3 1 3 1 1 1 Clothing Or Wearing Apparel Stores Not For Profit Only 3 3 - 3 3 1 Clothing Or Wearing Apparel Stores Other Than Not For Profit 2 2 - 2 1 1 Club – Civic, Service Or Social Having Buildings Or Prem Owned 2 2 - 2 2 2 Club – Civic, Service Or Social No Buildings Except For Office 2 2 - 2 2 2 Clubs – Country And Golf 3 3 - 3 2 3 Clubs – Horseback Riding – No Commercial Riding Instructions 4 4 - 4 3 4 Clubs – Racket Sports And Handball 4 3 - 4 2 2 Clubs – Swimming 4 3 - 4 2 1 Coffins Or Caskets Manufacturing 2 1 2 3 2 3 Coke Manufacturing 3 1 3 3 1 3 Collectibles And Memorabilia Stores 2 2 - 1 1 3 Collection Agencies – No PI or door to door 3 3 - 3 3 1 Color Or Pigment Preparation 3 2 3 3 2 4 Commissary Work 2 2 - 2 1 - Commodity Brokers And Dealers 3 3 - 3 2 1 Commodity Exchanges 3 3 - 3 2 1 Communication Equipment Installation – Industrial And Commercial 2 1 2 2 1 1 Communication Or Recording Systems Or Equipment Manufacturing 2 1 3 2 1 2 Communication Or Recording Systems Or Equipment Manufacturing Ind And Commercial 2 1 3 2 1 2 Community Recreational Facilities – Not Operated By A Government Agency 3 3 - 2 2 2 Composition Goods Manufacturing – Not Floor Coverings 2 1 2 3 1 2 Computer Consulting Or Programming 4 4 4 2 1 1 Page 6 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Computer Data Processing Operations 4 4 4 2 1 1 Computer Data Processing Timesharing 4 4 4 2 1 1 Computer Manufacturing 4 4 4 2 2 2 Computer Service Or Repair 4 4 4 2 2 1 Computer Software Manufacturing – Prepacked 4 4 4 2 1 2 Computer Stores 4 4 4 2 2 2 Concessionaires 3 3 - 3 3 1 Concessionaires – Check Room, Shoeshine, Or Toilet Con Hotels/Rest 2 2 - 2 2 1 Concrete Construction 3 3 2 3 2 1 Concrete – Mixed In Transit 3 2 2 3 3 1 Concrete Or Cement Distribution Towers Rented To Others Inst/Repair 3 3 - 3 2 1 Concrete Or Plaster Products Manufacturing – Not Structural 2 1 2 3 2 1 Concrete Products Manufacturing – Prestressed 3 1 3 3 2 1 Concrete Products Manufacturing – Structural 3 1 3 3 2 1 Condos – Commerciall Bank Or Mercantile, Manufacturing Or Office (Assoc Risk) 1 1 - 1 1 1 Condominiums – Commercial Shopping Centers (Assoc Risk Only) 2 2 - 2 1 3 Condominiums – Commercial Warehouses Manufacturing Or Private (Assoc Risk Only) 2 2 - 2 1 3 Condominiums – Residential – (Association Risk Only) 3 3 - 2 1 3 Conduit Construction For Cables Or Wires 2 2 2 3 2 1 Consultants – NOC Consultants 3 3 3 3 3 1 Contact Lens Manufacturing 3 3 4 2 2 1 Contractors Noc–No Generals 3 2 3 3 2 - Contractors Equip Dealers – Ladders Excl Hoists, Scaffolds Or Towers 4 4 4 4 4 1 Contractors Permanent Yards – Maintenance Or Storage Equip/Material 2 2 - 2 2 2 Convenience Food Stores 2 2 2 3 1 2 Convenience Food/Gasoline Stores – Full Service 3 3 2 3 2 2 Convenience Food/Gasoline Stores – Self Service 3 3 2 3 2 2 Convenience Food/Gasoline Stores – Self And Full Service Combined 3 3 2 3 2 2 Convenience Store Without Cooking Exposure 3 3 2 2 2 2 Convenience Store With A Cooking Exposure 3 3 3 3 3 3 Conventions (Sponsor's Risk Only) Not For Profit Only 3 3 - 2 2 - Conventions (Sponsor's Risk Only) Other Than Not For Profit 3 3 - 2 2 - Convents Or Monasteries 3 4 - 2 2 3 Copying And Duplicating Services – Rental 2 2 - 2 2 1 Cosmetic, Hair Or Skin Preparation Stores 2 2 3 2 2 1 Cosmetics Manufacturing 3 2 3 3 2 3 Cotton Batting, Wadding Or Waste Manufacturing 3 3 3 3 3 3 Cotton Or Wool Merchants 2 2 2 3 2 3 Credit Reporting Agencies – No PI 2 2 - 2 2 1 Page 7 EMC Appetite Guide For Commercial Lines This is a guide. Individual risk characteristics still apply 1 = Preferred 2 = Desireable You may see an overall grade which indicates the acceptability of the class with a 3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate 4 = Typically Ineligible we can write everything but that line highlighted in red. Risk Identifier Grade CGL P/CO WC AUTO PROP Comments Crematories – Not For Profit Only 2 2 - 3 2 2 Crematories – Other Than Not For Profit 2 2 - 3 2 2 Crop Spraying – By Contractors 4 4 - 4 4 4 Cutlery (Not Powered) And Flatware Manufacturing 3 2 3 3 2 2 Dairy Products Mfg 3 2 3 3 3 3 Dairy Products Or Butter And Egg Stores – Not For Profit Only 2 2 2 2 2 1 Dairy Products Or Butter And Egg Stores – Other Than Not For Profit 2 2 2 2 2 1 Dam, Levee Or Dike – Existence Hazard Only 4 4 - 2 2 - Dam Or Reservoir Construction 4 3 4 4 2 1 * Dance Halls Or Ballrooms – Not For Profit Only 4 3 - 2 2 3 Dance Halls Or Ballrooms – Other Than Not For Profit 4 4 - 4 4 4 Dance Halls Or Ballrooms 4 4 - 4 4 4 Day Care Centers – Not for Profit Only 4 4 4 4 4 2 * Day Care Centers – Not in Home 4 4 4 4 4 2 * Debris Removal – Construction Site 3 3 3 4 3 1 Delicatessens 2 2 2 2 2 1 Dental Laboratories – No Professional Liability 2 2 3 1 2 1 Department Or Discount Stores 2 2 2 2 2 2 Detective Or Investigative Agencies – Private 4 4 - 4 4 1 Detergent Manufacturing – Household 3 2 3 3 1 3 Detergent Manufacturing 3 2 3 3 1 3 Dextrine Manufacturing 3 2 3 3 1 3 Diagnostic Testing Laboratories 2 2 - 2 2 1 Die Casting Manufacturing 2 1 3 3 1 2 Dike, Levee Or Revetment Construction 4 3 4 4 2 1 Distillation Or Extraction 3 2 3 3 2 4 Distributors – Food Or Drink 2 2 2 2 2 1 Distributors – No Food Or Drink 2 2 2 2 2 1 Diving – Marine 4 4 4 4 4 - Dock Operations – Coal, Grain Or Ore 4 4 4 4 4 4 Door Or Window Manufacturing – Metal 3 1 3 2 1 2 Door Or Window Manufacturing – Wood 3 1 3 2 1 3 Door, Window Or Assemble Millwork – Installation Metal 2 1 3 2 1 2 Draftsmen 1 1 - 1 1 1 Drawbridges – Existence Hazard Only 4 4 - 4 4 4 Dredging 4 4 4 4 4 4 Drilling 4 4 4 4 4 3 Drilling – Water 2 3 3 3 2 1 Driveway, Parking Area Or Sidewalk – Paving Or Repaving 2 2 2 2 2 1 Page 8
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