CenCal Insurance Services Commercial Lines Manual · PDF file · 2014-07-18CenCal...

CenCal Insurance Services Commercial Lines Manual

Classification Table

CCIS-m-o.Doc CCIS 135 12/2003

FIRE CRIME ANDCRIMECONTENTS, FIRE

GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Machine Shops 6850 3320 2 5,000 p 97220

NOC (8) (9) Non Admitted Only

(a) (b) (u) Machinery Or Equipment – Farm - Installation, Servicing, Repair Or Erection

(1) 8112 2 5,000 p 97221 (9) Non Admitted Only(a) (b) (u)

Machinery Or Equipment – Industrial – Installation, Servicing, Repair Or Erection

(1) 8112 1 5,000 p 97222(2)

(9) Non Admitted Only(a) (b) (u)

Machinery Or Equipment – Installation, Servicing Or Repair

(1) 8112 1 5,000 p 97223NOC (3)

(9) Non Admitted Only(a) (b) (u)

Machinery Or Equipment Dealers (4) 4440 1 15,000 s 15062 NOC (5)

(9) (a) (b) (u)

Machinery Or Equipment Dealers – Mobile – Construction Or Industrial

(4) 4218 2 25,000 s 15060(5)

(9)(a) (b) (u)

Machinery Or Equipment Dealers – Farm Type

(4) 4218 3 15,000 s 15061(6)

(9)(a) (b) (u)

Machinery Or Equipment Dealers – Yard Or Garden Type

(4) 4218 3 15,000 s 15063(7)

(9)(a) (b) (u)

Includes copyrighted material of Insurance Services Office, Inc., with its permission. Copyright, Insurance Services Office, Inc., 2001




(1) Contractors storage, use Code 0567 and CPP PMA C.

Equipment in the open, use Code 1190 and CPP PMA C. Office use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications.

(2) This classification includes millwright work and incidental rigging work. (97222) The following shall be separately classified and rated: • Risks involved solely in rigging operations • Installation, servicing or repair of office machinery and appliances • Installation, servicing or repair of farm machinery

(3) Installation, servicing or repair of the following shall be separately classified and rated: (97223) • Office machinery and appliances • Farm machinery

(4) Light machinery without motors or with motors 6 HP or less: Without repair, use Code 0563. With repair, use Code 0922. Heavy machinery without motors or with motors over 6 HP: Without repair, use Code 0563. With repair, use Code 0933.

(5) Installation, servicing or repair shall be separately classified and rated. (15062) (15060)

(6) The following shall be separately classified and rated: (15061) • Installation, servicing or repair • Leasing of machinery or equipment

(7) This classification includes: (15063) • Sales of lawn mowers, rototillers, edgers and chain saws • Servicing or repair of small engines, including lawnmowers,

rototillers, edgers and chain saws, whether or not sold by the insured (8) This classification is designed for risks making items based on the design

and specifications of their customers. Usually, items are made from raw stock and become a part of their customers’ finished product. Risks specialized in affecting a physical change of materials through structural, mechanical or chemical means shall be separately classified and rated as “Welding or Cutting”, “Electroplating”, “Metal Heat Processing”, etc., depending on the operation. This classification applies only when there is no other appropriate classification. (97220)

(9) Refer to company






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Machinery Or Machinery Parts Mfg. (1) 3330 2 15,000 s 56654

NOC (15) Non Admitted Only

(a) (b) (u) Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Handling Type

(1) 3330 2 5,000 s 56650 (15) Non Admitted Only(a) (b) (u)

Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Farm Type


Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Industrial Type


Machinery Or Machinery Parts Mfg. – Construction, Mining, Materials – Metalworking


Mail Box Or Packaging Stores 0921 (16)

5614 2 5,000 s+ 15070(9)

Included(a) (b) (o)

Mail Order Houses 0567 (16)

(3) (15) (15) (a) (b) (p)

Mailing Or Addressing Companies 0921 5614 2 5,000 s+ 45937 Included (a) (b)

Manufacturers *(15)

(15) (15) (15) (a) (b)

Manufacturers Representative (15) 3270 (15) (15) (15) (a) (b) (o)

Marble Products (10) 1700 1 5000 N/A (a) (b)





(1) Heavy metalworking, use Code 6810.

Precision products, use Code 6900. Light metalworking, use Code 6850. Plastic parts, use Code 5550.

(2) Catalog or premium coupon redemption stores shall be separately classified and rated. (45901)

(3) Classify by type of merchandise. (4) Use Code 0702. This classification applies to Offices only. (5) Refer to Businessowners Office rates of CLM Division Nine – Multiple

Line – Businessowners Policy Subdivision. (6) Refer to State Rates Section of CLM Division Five – Fire and Allied

Lines for Fire and CPP. (7) For the purpose of this classification, a manufacturer’s representative is

an independent contractor who sells the products of one or more manufacturers on a commission basis. The manufacturer’s representative is not on the payroll of the manufacturer and is not eligible for any employee benefits. Manufacturers’ Representatives are usually involved in one of more of the following: (a) They may employ salespersons of their own and pay them either

salary or commission without affecting the relationship with the involved manufacturers;

(b) They may stock a small supply of samples used for display or demonstration but not for sale;

(c) They may demonstrate the product or supervise its installation; (d) They may train customers’ employees in the use of the product.

This classification includes the insured’s office. Risks with storage or warehouse facilities are not considered manufacturers’ representatives and shall be separately classified and rated. (45993)

(8) This classification applies only when there is no other appropriate classification assignable to the risk. For Increased Limits Tables assignment, refer to company. (54444)

(9) This classification applies to risks specializing in performing packing and mailing services for others. This classification includes the incidental sales of packing products and mailing accessories, as well as the incidental faxing and copying of materials. This classification does not apply to shipping services provided by the insured. Shipping operations shall be separately classified and rated. (15070)

(10) Sales or storage, use Code 0511 and CPP PMA M. Manufacturing, use Code 6009 and CPP PMA IP.

(11) Retail only, use Code 59999, Rate number 6. (12) Reserved For Future Use. (13) Reserved For Future Use. (14) Professional services are excluded. Use Exclusion – Inspection,

Appraisal And Survey Companies Endorsement CG 22 24. (97308) (15) Refer to company (16) Refer to theft guidelines






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Markets – Not Open Air (LRO) – Not-For-Profit Only

* 5310 N/A s+ 15120 Included (a) (b) (o) (p)

Markets – Not Open Air (LRO) – Other Than Not-For-Profit


Markets – Open Air (LRO) – Not-For-Profit Only


Markets – Open Air (LRO) – Other Than Not-For-Profit


Masonry (2) 2350 1 5,000 p 97447(7)(8)(9)

97447 (7)(8)(9)

Commercial Work Only (a) (b) (d1)

Mausoleums – Not-For-Profit 0921 8122 1 5,000 a+ 46005 (6)

Included (a) (b)

Mausoleums – Other Than Not-For-Profit

0921 8122 1 5,000 a+ 46004(6)

Included(a) (b)





(1) Classify by type of occupancy. (2) Contractors storage, use Code 0567 and CPP PMA C.

Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications.

(3) Logging and lumbering operations shall be separately classified and rated. (56690)

(4) Use Code 2800 and CPP PMA IP. For sales outlets, use Code 0564 and CPP PMA M.

(5) This classification includes quilts, pillows or cushions. (56699) (6) This classification includes mausoleums in cemeteries or those operated

by cemetery companies. This classification excludes professional services. Use Exclusion – Funeral Services Endorsement CG 21 56. (46005) (46004)

(7) Attach Pre Existing Damage Exclusion SL-63 (8) Attach Contractors Supplemental Application NAA-110 (9) Attach Residential Contractors Exclusion EAA-148






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Meat, Fish, Poultry Or Seafood – Curing

2059 3110 1 15,000 s 56758(1)

(14)(a) (b)

Meat, Fish, Poultry Or Seafood – Distributors

(2) 4230 1(3)

15,000 s 15223 (14)(a) (b)

Meat, Fish, Poultry Or Seafood Processing – In Airtight Containers

2059 3110 1 15,000 s 56759(4)

(14)(a) (b)

Meat, Fish, Poultry Or Seafood Processing – Not In Airtight Containers

2059 3110 1 15,000 s 56760 (14)(a) (b)

Meat, Fish, Poultry Or Seafood Stores 0532 4452 2 (5)

5,000 s 15224 15224 (a) (b) (o) (p)





(1) Packing houses shall be separately classified and rated. (56758) (2) If sole occupancy, and over 15,000 sq. ft. in total floor area, use Code

0432. Otherwise, use Code 0532. (3) C, E, H, SBF and SBR – Wholesale.

(a) C – Fish or Seafood Dealers. C – Rate Group 2.

(b) E, H – Excluding hatcheries –poultry. (c) SBF and SBR – Rate Group 2.

This footnote does not apply to Contents, Fire. (4) This classification does not apply to products packed in paper, plastic

wrap or cellophane unless vacuum packed. (56759) (5) C, E, H, SBF and SBR – Retail – Excluding Supermarkets as defined in

the “Supermarkets” classification. C – Rate Group 2. SBF, SBR – Rate Group 2. E, H – Excluding hatcheries – poultry.

This footnote does not apply to Contents, Fire. (6) This classification includes items such as adhesive tape, absorbent

cotton, bandages or dressings, sponges, swabs, tongue depressors, ligatures and sutures, hypodermic needles, specimen containers, rubber gloves, plastic and rubber sheeting or tubing, splints and elastic stockings and supporters. (56805)

(7) This classification includes items such as hospital beds, examining or operating room tables or chairs, basins or trays, wheeled litters, bed pans and urinals, heating pads, vaporizers, operating room lights, pails and buckets, medication and chart carts, oxygen canopies or tents, traction apparatus, patient lifts or hoists, x-ray film viewers, hot water bottles and ice packs. Orthopedic, ambulation or prosthetic devices or surgical instruments shall be separately classified and rated. (56806)

(8) E, H – For Dental Equipment and Supplies, use Rate Group 2. This footnote does not apply to Contents, Fire.

(9) Precision metal parts, use Code 6900. Other metal parts, use Code 6850. Plastic parts, use Code 5500.

(10) This classification includes items such as hemostats, forceps, retractors, cauteries, sphygmomanometers, bronchoscopes, hypodermic syringes, scalpels, trachea tubes, opthalmoscopes, phoropters, stethoscopes, tonometers, specula and trepans. (56807)

(11) This classification includes items such as anesthesia apparatus, inhalation therapy machines, x-ray and fluoroscopy machines, cardiac defibrillators, resuscitation equipment, radiation therapy machines, metal and foreign body locators, kidney machines, audiometers, E.K.G. machines, diathermy machines, suction or irrigation apparatus, oscilloscopes and monitoring devices (all types). (56808)

(12) If including drugs, use Rate Group 4, Class Limit $15,000. This footnote does not apply to Contents, Fire.

(13) No more than 25% of gross annual sales may be derived from retail operations and no more than 25% of the total floor area may be open to the public.







GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Medical Offices 0702 6210 2

((3) (7) (8)

5,000 a+ 66561(4) (5)

Included(a) (b) (o) (p)

Mercantile – Not Otherwise Classified (10) --- (11) --- --- * * (a) (b) (o) (p)

Metal Dealers Or Distributors – Non-Structural

(12) 4215 1 5,000 s 15404(13)

(15) (a) (b)

Metal Dealers Or Distributors – Structural

(12) 4215 1 5,000 s 15405(13)

(15) Non Admitted Only(a) (b)





(1) Rental of equipment shall be separately classified and rated. (15314) (2) Refer to Businessowners Office rates of CLM Division Nine–Multiple

Line – Businessowners Policy Subdivision. (3) Refer to State Rates Section of CLM Division Five –Fire and Allied for

Fire and CPP. (4) Professional services are excluded. Use Exclusion - Services Furnished

By Health Care Providers Endorsement CG 22 44 (66561) (5) If professional coverage is desired, classify and rate in accordance with

the Professional Liability Division. (66561) (6) Excludes Drug Distributors and Stores.

This footnote does not apply to Contents, Fire. (7) Excludes Dental Laboratories. (8) If including drugs, use Rate Group 4, Class Limit $15,000.

This footnote does not apply to Contents, Fire.

(9) Contents, Fire – NA (10) Low Susceptibility, use Code 0511.

Moderate Susceptibility, use Code 0567. High Susceptibility, use Code 0570.

(11) Classify by type of occupancy. (12) Ingots, pigs, pipe, bars, rail, rods, plates, sheets, and uninsulated wire, use

Code 0511. Other metal products, use Code 0567.

(13) Metal scrap dealers shall be separately classified and rated. (15404) (15405)

(14) Retail stores only. Use BP Class Code 59999, Rate No. 6, Rate Group 5. (15) Refer to company






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Metal Erection – Decorative Or Artistic N/A 2350 p 97650

(4) (12) 97650

(4) (12) (a) (b) (d1)

Metal Erection – Frame Structures Iron Work On Outside Of Bldgs.

N/A 2330 p 97651(1) (5) (12)

97651 (1) (5) (12)

(a) (b) (d1)

Metal Erection - In The Construction Of Dwellings Not Exceeding 2 Stories In Height

N/A 2330 No No(a) (b) (d1)

Metal Erection – Nonstructural N/A 2350 p 97653 (5) (12)

97653 (5) (12)

(a) (b) (d1)

Metal Erection – Steel, Lock Gates, Gas Holders, Standpipes, Water Towers, Smoke Stacks, Tanks, Silos, Prison Cells, Fire Or Burglar Proof Vaults

N/A 2330 p 97654(5) (12)

97654 (5) (12)

Non Admitted Only (a) (b) (d1)

Metal Erection – Structural N/A 2330 p 97655 (2) (5) (12)

97655 (2) (5) (12)

Non Admitted Only (a) (b) (d1)

Metal Foil Mfg. 6900 3320 2 (10)

5,000 s 56910 56910 (12) (a) (b)

Metal Goods Mfg. (7) 3320 2 (8) (9) (10)

15,000 s 56911NOC

56911 (12)

(a) (b) (u)

Metal Goods Mfg. – Stamping Not Signs

6810 3320 (6) s 56912 56912(12)

(a) (b) (u)

Metal Heat Processing 6850 3320 (6) s 56913 (11)

56913 (11) (12)

(a) (b) (u)





(1) This classification includes erecting or repairing balconies, fire escapes,

railings, staircases, coal chutes or fireproof shelters. (97651) (2) Bridge erection shall be separately classified and rated. (97655) (3) Contents, Fire – NA. (4) This classification applies to risks whose predominant operation is the

installation or erection of metal work. This classification includes shop operations in connection with metal work installed or erected by the insured. Shop operations in connection with metal work not installed or erected by the insured shall be separately classified and rated. (97650)

(5) Shop operations shall be separately classified and rated. (97651) (97652) (97653) (97654) (97655)

(6) E, H – Refer to “Metal Goods Mfg.”. This footnote does not apply to Contents, Fire.

(7) Heavy metalworking, use Code 6810. Precision products, use Code 6900. All other metalworking, use Code 6850.

(8) E, H – For Assayers and Refiners, classify by type of metal, if precious or rare metals are excluded. This footnote does not apply to Contents, Fire.

(9) E, H – Metals – precious or rare metals (including gold, platinum, silver, beryllium, cesium, lithium, tantalum and other similar metals). If precious metals, use Class Code 3910, Rate Group 4, Class Limit $50,000. This footnote does not apply to Contents, Fire.

(10) If magnesium, use Class Code 3300. This footnote does not apply to Contents, Fire.

(11) This classification applies to insureds engaged in annealing, hardening, heat treating or tempering metals for others. The manufacturer of fabricated metal products shall be separately classified and rated. (56913)







GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding

Metal Works –Shop – Decorative Or Artistic

(2) 3320 2 5,000 s 59914(4) (7)

59914 (4) (7)

(a) (b) (u)

Metal Works – Shop – Structural - Load Bearing

No No --- --- --- No No(a) (b) (u)

Metalworks – Shop – Structural – Not Load Bearing

(2) (11)

3320 2 5000 s 56916(4) (8) (11) (12)(13)(14)

56916

Non Admitted Only Commercial Work Only (a) (b) (u)

Milk Depots Or Dealers 2000 4230 1 5,000 s 57001 (15) (16)

57001 (15) (16)

(a) (b)

Milk Processing 2000 3110 1 5,000 s 57002 57002 (a) (b)





(1) This classification includes collection of scrap metals. (15406)

The following shall be separately classified and rated: • Wrecking • Salvaging operations

(2) Heavy metalworking, use Code 6810. Precision products, use Code 6900. All other metalworking, use Code 6850.

(3) Classify by type of metal. If iron or steel, use Class Code 5080, Rate Group 1, Class Limit $15,000.

(4) This classification applies to the manufacturing, fabricating or assembling of decorative or artistic brass, bronze or iron work. (59914)

(5) The manufacturing of doors, window frames, sashes, molding and trim shall be separately classified and rated. (56916)

(6) For the purpose of this classification, “load bearing” means structural metal work designed to support weight. (56915)

(7) This classification applies to risks whose predominate operations is metal work to be installed or erected by others. This classification includes incidental installation or erection. (59914)

(8) Installation and erection shall be separately classified and rated. (56915) (56916)

(9) This classification includes all rolling mill operations when done in conjunction with metal extraction or refining. Rolling mills not operated in conjunction with metal extraction or refining shall be separately classified and rated. (56900) (56917) (56918) (56919) (56920)

(10) E, H – Metals – If precious or rare metals (including gold, platinum, silver, beryllium, cesium, lithium, tantalum and other similar metals), use Class Code 3910, Rate Group 4, Class Limit $50,000. This footnote does not apply to Contents, Fire.

(11) Refer to company (12) Attach Pre Existing Damages Exclusion SL-63 (13) Attach Contractors Supplemental Application NAA-110 (14) Attach Residential Projects Exclusion EAA-148 (15) This classification includes milk processing conducted on the same

premises. (57001) Operations conducted in connection with and on the same premises with a diary or general Farm shall be separately classified and rated. See Division Four of the CLM.

(16) When products coverage is afforded, this classification includes coverage for bodily injury or property damage arising from the delivery of any liquid product into a wrong receptacle or to a wrong address or the erroneous delivery of one liquid product for another, if the bodily injury or property damage occurs after delivery has been completed. Use Misdelivery Of Liquid Products Coverage Endorsement CG 22 66. (57001)






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding

Mobile Home Parks Or Courts (07) (12) (13)

7215 1(9)

5,000 s+ 46202(8) (12) (13)

Included

(a) (b) (l) (p)

Mobile Home Sales Agencies (10) 4410 3 (9)

15,000 s 15488(11)

15488 (11)

(a) (b) (p)

Model Homes (1) 5310 2 (3)

15,000 t+ 46362(2)

Included(a) (b) (p)





(1) Use Code 0702 and CPP PMA O when used as an office. When not

used as an office, refer to Dwelling Policy Program. (2) Basis of premium is each home. (46362) (3) E, H – Includes exhibition homes, house furnishings and fixtures.

This footnote does not apply to Contents, Fire. (4) Use Code 6850. This Code applies to metal units only. If not metal,

classify according to material used. (5) Manufacturing of the following shall be separately classified and rated:

(57090) • Camper trailers • Camper bodies • Self-powered camping vehicles

(6) E and H – Includes parts and accessories. This footnote does not apply to Contents, Fire.

(7) Laundries used by general public, offices, repair garages, gasoline stations, grocery stores and other retail stores, see specific occupancies. Laundries for tenants only, use Code 0922 and CPP PMA S. Property in the open, such as pump houses, platforms or pads for mobile home or recreational vehicles, use code 1190 and CPP PMA S. Community centers, recreational buildings, shelter houses, locker houses and other auxiliary or subsidiary buildings not provided for above, use Code 0844 and CPP PMA S.

(8) This classification applies to permanent residential facilities. (46202) The following shall be separately classified and rated: • Restaurants • Saddle animals • Bathing beaches • Campground • Swimming pools

(9) E and H C – Rate Group 2. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

(10) Office, use Code 0702 and CPP PMA M or O. Also refer to “Automobile” Classifications.

(11) This classification applies to risks whose primary operations are the sales of vehicles which are used for dwelling purposes and are permanent and stationary. (15488)

(12) Refer to company (13) This class refers to permanent residentials facilities. The following

exposures need to be addressed: restaurant, boats, campground, swimming pools, saddle animals, lakes, ponds, bathing beaches, ski-lifts, or tows, sale of LPG, maintenance Program.






GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Money Exchanges (1) 5229 2

(2) (4) 5,000 * *

(3) *

(a) (b) Monuments, Tombstones, And Statuary (5) 4530 1 5,000 * *

(6) *

(a) (b) Motion Pictures – Development Of Negatives, Printing And All Subsequent Operations

0921 (14)

5215 3 15,000 p+ 98090(7) (14)

Included(a) (b)

Film Distribution Or Exchanges – Not Located At Motion Picture Studios

0570 (14)

5125 3 15,000 p+ 98091(8) (14)

Included(a) (b)

Museums – Not-For-Profit Only (12) 7120 1 15,000 a+ 46427 (13)

Included (a) (b)

Museums – Other Than Not-For-Profit (12) 7120 1 15,000 a+ 46426 (13)

Included (a) (b)





(1) Office only, use Code 0702 and CPP PMA O. (2) Refer to State Rates Section of CLM Division Five – Fire and Allied

Lines for Fire and CPP. (3) Classified and rated as a financial institution. Money exchange booth

operated in connection with a financial institution is included in the governing classification.

(4) C, E and H (a) C – Rate Group 5. (b) SBR – Rate Group 2.

SBF – Rate Group 3. This footnote does not apply to Contents, Fire.

(5) Sales and/or storage, use Code 0511 and CPP PMA M. Associated property in the open, use Code 1190 and CPP PMA M. Monument works, use Code 6009 and CPP PMA IP. Associated property in the open, use Code 1190 and CPP PMA IP. Other property in the open, use Code 1190 and CPP PMA 1 or S.

(6) Monuments, tombstones or statuary are included in the governing classification.

(7) Marketing of the product through film exchanges at locations other than the studios shall be separately classified and rated. (98090)

(8) For premium computation purposes include the payroll of clerical employees. (98091)

(9) Refer to “Automobile” classifications. (10) This classification includes assembling. (57202) (11) E and H – Includes motor bicycles.

This footnote does not apply to Contents, Fire.. (12) Other than Commercial, use Code 1051 and CPP PMA 1.

If Commercial, use Code 0567 and CPP PMA S. (13) The following shall be separately classified and rated: (46427) (46426)

• Restaurants • Gifts shops







GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Music Stores – Pre-Recorded (5)

(10) 4510 2

(7) 25,000 s 16676

(6) 16676

(6) (a) (b) (o) (p)

Musical Instrument Mfg. 6900 3395 2 15,000 s 57257 (1)

57257 (1)

(a) (b)

Musical Instrument Stores (3) (10)

4510 2(2)

25,000 s 15538(4)

15538 (4)

(a) (b) (o) (p)

Musical Products Mfg. – Pre-Recorded 5500 3395 3 (9)

25,000 s 58627(8)

58627 (8)

(a) (b)





(1) Electrical amplifying equipment or accessories shall be separately

classified and rated as “Communication Equipment Mfg.”. (57257) (2) C – Rate Group 2.

SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

(3) For musical instrument stores, use Code 0567 and CPP PMA M. For music studios, use Code 0921 and CPP PMA S.

(4) This classification applies to risks which sell or rent musical instruments. This classification includes: (15538) • The incidental sales of sheet music and musical instrument

accessories • The incidental offering of music lessons

(5) Compact discs, records and tapes, use Code 0570. Sheet music, use Code 0567.

(6) This classification applies to stores primarily selling prerecorded music. This classification includes the incidental sales of sheet music and the incidental sales or rental of musical and audio equipment. Stores selling musical instruments or audio equipment primarily shall be separately classified and rated. This classification does not apply to stores that primarily sell or rent video tapes. (16676)

(7) C – Rate Group 3. E and H – For Wholesalers, use Rate Group 2. SBF, SBR – Rate Group 3. (8) Recording studios shall be separately classified and rated. (58627) (9) Records only, Rate Group 1, Class Limit $5,000. This footnote does not apply to Contents, Fire.

(10) Refer to theft guidelines





GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Nails Or Spikes Mfg. 6850 3330 2 5,000 s 57401 57401

(10) (a) (b) (u)

Nail Salons 0921 8121 1 5,000 s 15600 (7)

15600 (7)

(a) (b) (o) (p)

Needles, Pins, Or Tacks Mfg. 6850 3395 2 5,000 s 57403 57403 (10)

(a) (b) (u)

Newspaper Or Magazine Distributors 0567 4229 2

5,000 s+ 15607 Included (a) (b)

Newsstands 0567 4510 2 5,000(6)

s 15608 15608 (a) (b)

Nursery – Garden (3) 1100 2 (4)

15,000 s+ 15699(5)

Included

(a) (b) (o)

Nurses Homes (8) 7215 (8) (8) (a) (b)

Nursery Schools – Refer To Day Care Centers

* *(11)

* (a) (b) (f) (t)




Classification Table (1) This classification applies to establishments primarily engaged in

entertainment and dancing. (15656) The following shall be separately classified and rated: • Taverns • Restaurants • Dance halls

(2) C – Rate Group 5. SBF, SBR – Rate Group 3. This footnote does not apply to Contents, Fire.

(3) Sales outlets, use Code 0570. Greenhouses, use Code 0580.

(4) Contents, Fire: Refer to Rule 72. in Division Five of the CLM for information on eligibility to the Special Form.

(5) Landscape gardening shall be separately classified and rated. (15699)

(6) C – Rate Group 3. SBF, SBR – Rate Group 2. This footnote does not apply to Contents, Fire.

(7) This classification applies to risks specializing in the beautification or maintenance of customers’ nails for cosmetic purposes. This classification does not apply to nail services provided to customers in conjunction with a beauty salon or similar operations. Nail service is included in the operations of a beauty salon and is not separately classified. Professional services are excluded. Use Exclusion – Specified Therapeutic Or Cosmetic Services Endorsement CG 22 45. (15600)

(8) Refer to “Convents or Monasteries”. (9) Student Nurses Homes are classified and rated as “Schools – dormitory

facilities”. All other Nurses Homes are included in the governing classification.

(10) Refer to company (11) Refer to Class Write Up Section in Guidelines (12) Use Exclusion Products/Completed Operations Hazard CG-2104




Classification1 Table


GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Office Machines Mfg. 6900 3330 2

(4) 25,000 s 57572

(4) 57572

(4) (a) (b)

Office Machines Or Appliances Installation, Inspection, Adjustment Or Repair

(1) 8112 2 5,000 p+ 98111(5)

Included

(a) (b)

Office Machines Or Appliances - Retail – No Repair

0563 4530 2 15,000 *(2)

* (2)

(a) (b) (o) (p)

Office Machines Or Appliances – Retail Or Wholesale – With Repair

0922 4530 2 15,000 * *(a) (b) (o) (p)

Office Machines Or Appliances – Wholesale – No Repair

0563 4214 2 15,000 *(3)

* (3)

(a) (b) (o) (p)

Offices (6) 6501 1(9)

5,000 * *(a) (b) (o) (p)




Classification1 Table (1) Sales or storage, with no repair, use Code 0563 and CPP PMA M.

With repair, use Code 0922 and CPP PMA S. (2) Refer to “Stores – no food or drink”. (3) Refer to “Distributors – no food or drink”. (4) This classification includes adding, calculating, dictating, photocopying

and typewriting machines. Computer manufacturing shall be separately classified and rated. (57572)

(5) This classification includes shop operations. (98111) (6) Governmental, use Code 0701, CPP PMA 1. All other, use Code 0702,

CPP PMA O. (7) Lessor’s Risk, use Code 65198. All other, use Code 65121. (8) Refer to Businessowners Office rates in CLM Division Nine – Multiple

Line – Businessowners Policy Subdivision. (9) Refer to State Rates Section of CLM Division Five – Fire and Allied

Lines for Fire and CPP. (10) Including Stock, use Code 1751. Excluding Stock, use Code 1752. (11) This classification includes salt water disposal operations. (98150)

(98151) (98152) (12) Coverage does not apply to property damage arising out of the

underground resources and equipment hazard. Use Exclusion – Underground Resources And Equipment Endorsement CG 22 57. (98150) (98151)

(13) Coverage does not apply to property damage to oil, gas, water, or other material substances caused by saline substance contamination. Use Exclusion – Saline Substances Contamination Endorsement CG 22 47. (98150) (98151)

The following shall be separately classified and rated: • Oil still erecting or repair • Oil rig or derrick erection • Drilling • Installation or recovery of casing • Well shooting • Cementing • Tank building • Topping operations • Gasoline recovery

(14) Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98150) (98151) (98152) (98153)

(15) This classification also includes the clearing of land, building of lease roads, slush pits, levees or fire walls, the laying or taking up of flow lines and water lines, installing of central pumping units and lease beautification work. (98152) The following shall be separately classified and rated: • Pipeline construction • Tank building • Rig or derrick erecting or dismantling • Installation or recovery of casing • Drilling • Cementing • Acidizing • Cleaning or swabbing of wells • Well shooting

(16) This classification applies to operations by owners, operators or contractor. (98153)





Classification1 Table


GENERAL LIABILITY

Description

Class Code

Class Code

Rate Group

Class Limit

Premium Base

Premises Code

Products Code

Comments &

Application Coding Optical Goods – Distribution (10) 4214 2 15,000 r (12) (12) (a) (b)

Optical Goods Manufacturing 6009 3395 2 15,000 s 57600 (6)

57600 (6)

(a) (b)

Optical Goods Stores (10) 4462 2 (14)

15,000 s 15839(13)

15839 (13)

(a) (b) (o) (p)




Classification1 Table (1) This classification includes incidental reconditioning or repairing.

Installation, erection, dismantling or salvage operations shall be separately classified and rated. (15188)

(2) This classification includes the refining of kerosene, gasoline, diesel or jet fuel. Oil producing shall be separately classified and rated. (15733)

(3) Contractors equipment storage, use Code 0567 and CPP PMA C. Equipment in the open, use Code 1190 and CPP PMA C. Office, use Code 0702 and CPP PMA C or O. Vehicle storage or repair, refer to “Automobile” classifications.

(4) This classification includes construction of foundations or structures or installation of equipment. This classification applies to all operations including construction of foundation or structures or installation of equipment. Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98163)

(5) This classification applies to the erection or repair of oil stills and incidental structures or connections which are integral parts of the distillation units such as control, pump and compressor house. It does not apply to the erection or repair of office buildings, warehouses, storage tanks, power plants or other structures incidental to an oil refinery but not integral parts of the distillation units. Pile driving shall be separately classified and rated. (98164)

(6) This classification includes the manufacturing of binoculars, telescopes, microscopes, magnifying glasses and light filters. (57600) Manufacturing of the following shall be separately classified and rated: • Contact lens • Eye glass lens • Photographic lens

(7) Coverage does not apply to property damage arising out of the underground resources and equipment hazard. Use Exclusion – Underground Resources And Equipment Endorsement CG 22 57. (98162)

(8) Use Exclusion – Oil Or Gas Producing Operations Endorsement CG 22 73. (98162)

(9) This classification applies to operations by owners, operators or contractors. (98162)

(10) Use Code 0567 and CPP PMA M except, if over 5 employees engaged in grinding or polishing, use code 6009 and CPP PMA IP.


(12) Refer to “Distributors – no food or drink”. (13) This classification primarily applies to stores selling eye glasses and

prescription lenses. Products coverage for this classification includes professional coverage. Use Optical And Hearing Aid Establishments Endorsement CG 22 65. If products coverage is not provided use Exclusion – Products And Professional Services (Optical And Hearing Aid Establishments) Endorsement CG 22 37. (15839)

(14) E and H Optometrist Offices – Class Code 8000, Rate Group 1, Class Limit 5,000. This footnote does not apply to Contents, Fire.



CenCal Insurance Services Commercial Lines Manual · PDF file · 2014-07-18CenCal...

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