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Since 1958

 



ARCHITECTURE & ENGINEERING

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Available Products: PL, GL, BOP*
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PL Revenue Limit: $1M
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GL Payroll Limit: $1M
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BOP Square Footage Cap: 35K
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BOP Revenue/Payroll Limit: $1M
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Coverage/Liability Aggregate Limit: $2M Online (up to $3M by phone for PL/GL)
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State Exclusions: No PL in VA, VT
  • Architecture
  • Building/construction inspection
  • Civil engineering
  • Control systems integration/automation
  • Draftsman (including CAD/CAM)
  • Electrical engineering
  • Engineering
  • Engineering design services
  • Environmental engineering
  • Industrial engineering
  • Landscape architect
  • Process engineering
  • Project manager (architecture or engineering)
  • Transportation engineering

ARTISAN CONTRACTORS

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Available Products: GL*
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GL Revenue Limit: $500K
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Coverage/Liability Aggregate Limit: $2M
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State Exclusions: NY
  • Air conditioning systems installation and repair
  • Appliance and accessories installation and repair
  • Carpentry (interior only)
  • Carpet, rug, furniture, or upholstery cleaning (customer’s premises only)
  • Clock making and repair
  • Door or window installation and repair
  • Driveway or sidewalk paving/repaving
  • Drywall or wallboard installation and repair
  • Electrical work (interior only)
  • Fence installation and repair
  • Floor covering installation (no ceramic tile or stone)
  • Glass installation and repair (no auto work)
  • Handyperson (no roof work)
  • Heating and air conditioning installation and repair (no liquefied petroleum gas (LPG))
  • Interior finishing work
  • Locksmiths
  • Masonry work
  • Painting (interior only)
  • Plastering or stucco work
  • Plumbing (commercial and residential)
  • Sign painting and lettering (interior and exterior)
  • Tile, stone, marble, mosaic, or terrazzo work (interior only)
  • Upholstery work
  • Window cleaning (nothing above 15 feet)
CONSULTING top
Available Products: PL, GL, BOP*
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PL Revenue Limit: $5M
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GL Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Business consulting
  • Education consulting
  • Human Resources (HR) consulting
  • IT consulting
  • Management consulting
  • Marketing consulting
  • Research consulting
  • Resume consulting
  • Strategy consulting
  • Other consulting services

CREATIVE & DESIGN

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Available Products: PL, GL, BOP*
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PL Revenue Limit: $5M
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GL Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Graphic design
  • Interior design (BOP Revenue Limit: $5M | No PL in VA, VT)
  • Photo booths
  • Photography; Client videography
  • Professional organizer (BOP Revenue Limit: $5M | No PL in VA, VT)
  • Visual effect designer for films/ videos

FINANCIAL SERVICES (PL, GL, BOP*)

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Available Products: PL, GL, BOP*
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PL Revenue Limit: $5M
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GL/BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Accounting (PL Revenue Limit: $1M | PL Coverage/Liability Limit: $3M)
  • Bookkeeping
  • Insurance agent services (Revenue Limit: $1M PL; $5M BOP)
  • Medical billing (No PL in NY)
  • Tax preparation

FINANCIAL SERVICES (GL, BOP*)

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Available Products: GL, BOP*
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GL Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $5M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for GL)
  • Actuarial services (BOP Revenue Limit: $3M)
  • Financial auditing or consulting
  • Investment advice
  • Mortgage brokering/banking (BOP Revenue Limit: $5M | GL Square Footage Cap: 35K)
  • Stock brokering (GL Square Footage Cap: 35K)

HEALTH, BEAUTY & FITNESS (PL, GL, BOP*)

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Available Products: PL, GL, BOP*
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PL Revenue Limit: $5M
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GL/BOP Square Footage Cap: 35K
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GL/BOP Gross Sales Limit: $5M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
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PL State Specific Coverage/Liability Limits: $1M in IL
  • Acupressure services (No coverage in NV)
  • Acupuncture services (No coverage in NV)
  • Art therapy
  • Audiology (No PL in NV)
  • Barber/hair stylist services (No GL Footage Cap)
  • Beautician/cosmetology services (No GL Footage Cap)
  • Dance therapy
  • Diet/nutrition services
  • Drama therapy
  • Esthetician services (No GL Footage Cap)
  • First aid and CPR training
  • Hypnosis
  • Marriage and family therapy
  • Massage therapy (No GL Footage Cap)
  • Mental health counseling
  • Music therapy
  • Nail technician services (No GL Footage Cap)
  • Occupational therapy
  • Personal training (health & fitness)
  • Psychology
  • Pilates instruction
  • Small salon owner (No GL Footage Cap)
  • Social work services
  • Speech therapy
  • Substance abuse counseling
  • Yoga instruction

HEALTH, BEAUTY & FITNESS (PL, GL*)

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Available Products: PL, GL*
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PL/GL Gross Sales Limit: $5M
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Coverage/Liability Aggregate Limit: $2M Online (up to $3M by phone)
  • Home health aide
  • Personal care aide

JANITORIAL SERVICES

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Available Products: GL*
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GL Payroll Limit: $500K
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Coverage/Liability Limit: $2M
  • Dryer vent cleaning
  • Janitorial/cleaning services
  • Residential cleaning services (interior and exterior)
  • Small commercial office cleaning (interior only)

LANDSCAPING SERVICES

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Available Products: GL*
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GL Payroll Limit: $500K
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Coverage/Liability Limit: $2M
  • Gutter or chimney cleaning
  • Landscaping/gardening services (residential and commercial)
  • Lawn care services (residential and commercial)
  • Snow blowing and removal (no auto coverage)

LEGAL (PL, GL, BOP*)

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Available Products: PL, GL, BOP*
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PL Revenue Limit: $5M
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GL Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Claims adjusting (No PL in NY)
  • Court reporting
  • Document preparation
  • Expert witness services
  • Notary services (No PL in CA | GL Square Footage Cap: 35K)
  • Process server

LEGAL (GL, BOP*)

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Available Products: General Liability, Business Owners Policy*
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General Liability Square Footage Cap: 35K
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Business Owners Policy Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone for General Liability)
  • Legal services
  • Trustee services

MARKETING & PUBLIC RELATIONS

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Available Products: ProfessinaL Liability, General Liability, Business Owners Policy*
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PL Revenue Limit: $5M
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GL Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Advertising
  • Brand consultant
  • Digital marketing
  • Direct marketing
  • Market research
  • Marketing/media consulting
  • Public relations
  • Search engine services (SEO/SEM)
  • Social media consultant
  • Other marketing/PR services

MISCELLANEOUS BUSINESS SERVICES

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Available Products: Professional Liability, General Liability, Business Owners Policy*
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Professinal Liability Revenue Limit: $5M
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Ggeneral Liability Payroll Limit: $3M
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Business Owner Policy Square Footage Cap: 35K
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Business Owners Policy Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Answering/paging services (GL Square Footage Cap: 35K)
  • Auctioneering
  • Business manager services
  • Event planning/promotion
  • Executive placement (GL Square Footage Cap: 35K)
  • Life/career/executive coaching
  • Personal concierge/assistant
  • Project management
  • Recruiting (employment placements) (General Liability Square Footage Cap: 35K)
  • Talent agency (General Liability Square Footage Cap: 35K)
  • Training (business, vocational or life skills)
  • Translating/interpreting
  • Travel agency (General Liability Square Footage Cap: 35K)
  • Tutoring

REAL ESTATE

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Available Products: Professional Liability & General Liability*
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Professional Liability Revenue Limit: $5M
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GL Payroll Limit: $3M ($500K in CA)
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Coverage/Liability Aggregate Limit: $2M Online
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  • Property management
  • Real estate agent/broker

RETAIL

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Available Products: General Liability*
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General Liability Gross Sales/Revenue Limit: $200K (up to $3M for select professions)
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Coverage/Liability Limit: $2M
  • Appliance stores (General Liability Revenue Limit: $3M)
  • Barbecue truck/trailer operator
  • Clothing apparel stores (General Liabilty Revenue Limit: $3M)
  • Coffee/donut cart operator
  • Electronic stores (General Liability Revenue Limit: $3M)
  • Florists (General Liability Revenue Limit: $3M)
  • Food/beverage cart operator
  • Food truck/trailer operator
  • Home furnishing stores (General Liability Revenue Limit: $3M)
  • Hot dog cart operator
  • Ice cream truck operator
  • Ice cream/snow cone/shaved ice cart operator
  • Jewelry stores (General Liability Revenue Limit: $3M)
  • Lemonade cart operator
  • Mobile food concessions
  • Mobile food services
  • Mobile food vending services
  • Mobile kitchen operator
  • Mobile street food vendor
  • Other stores (no food/drink) (GL Revenue Limit: $3M)
  • Other stores (with food/drink) (GL Revenue Limit: $3M)
  • Snack truck operator

TECHNOLOGY

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Available Products: Profession Liability, General Liabilty, Business Owners Policy*
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Professional Liabilty Revenue Limit: $5M
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General Liabilty Payroll Limit: $3M
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BOP Square Footage Cap: 35K
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BOP Revenue Limit: $3M
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Coverage/Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Application development: smartphone/mobile/ tablet (PL Cap $1M)
  • Application service provider
  • Computer consultant
  • Computer programming services
  • Computer system/network developer
  • Custom software programmer/developer
  • Data processing
  • Database designer
  • Game developer
  • IT consulting
  • IT project management
  • IT software/hardware training services
  • Internet hosting services
  • Software development
  • Technology services
  • Value added reseller of computer hardware
  • Website design
  • Other technology services


* BOP: Not available in , VA


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