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
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)
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
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
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
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)
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
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)
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)
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)
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
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)
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
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
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
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
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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