Appetite Guide for Commercial Insurance

Cincinnati Branch OfficeP.O. Box 429598 • Blue Ash, OH 45242-9598

Phone 513.221.6010www.emcins.com

MK8590T

Page 1 of 30 (5-07)

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:

A desirable class of business barring unusual conditions not typical of the occupancy/operation and subject to normal underwriting requirements.

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.

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.

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.

1. DESIRABLE -

4. PROHIBITED -

3. RISK by RISK -

2. ACCEPTABLE -

Appetite Guide for Commercial Insurance

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)

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 3 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 4 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 5 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 6 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 7 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 8 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 9 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 10 of 30 (5-07)

Dance Halls Or Ballrooms Or Discos – Other Than Not For Profit Dance Halls Or Ballrooms Or Discotheques Day Care Centers – Not For Profit Only No problems with the Property Day Care Centers – Not in Home No problems with the Property Debris Removal – Construction Site Delicatessens Dental Laboratories-no professional liab. Department Or Discount Stores Detective Or Investigative Agencies – Private Detergent Manufacturing – Household Detergent Manufacturing Dextrine Manufacturing Diagnostic Testing Laboratories Die Casting Manufacturing Dike, Levee Or Revetment Construction Distillation Or Extraction Distributors – Food Or Drink EMC CHOICE eligible Distributors – No Food Or Drink EMC CHOICE eligible Diving – Marine Dock Operations – Coal, Grain Or Ore Door Or Window Manufacturing-Metal EMC CHOICE eligible Door Or Window Manufacturing-Wood Door, Window Or Assemble Millwork – Installation Metal Draftsmen Drawbridges – Existence Hazard Only Dredging Drilling Drilling – Water Driveway, Parking Area Or Sidewalk – Paving Or Repaving Drug Distributors Drug Manufacturing – Biological Products Drug, Medicine Or Pharmaceutical Preparations Manufacturing Drugstores Drugstores – No Table Or Counter Service For Beverage Or Food Drums Or Containers Manufacturing – Metal Drums Or Containers Manufacturing – Plastic Dry Wall Or Wallboard Installation

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 11 of 30 (5-07)

Dwelling – 1 Family (Lessor's Risk Only) 25 years or newer only Dwelling – 2 Family (Lessor's Risk Only) 25 years or newer only Dwelling – 3 Family (Lessor's Risk Only) 25 years or newer only Dwelling – 4 Family (Lessor's Risk Only) 25 years or newer only Electrical and Lighting Stores Electrical Apparatus - Installation, Service, Or Repair Electrical Contractors Electrical Equipment Distributors EMC CHOICE eligible Electrical Equipment Manufacturing Electrical Equipment Manufacturing For Direct & Indirect Application To Body Electrical Generating Machinery Manufacturing Electric Light Or Power Companies Electric Light Or Power Cooperatives – Rural Electrification Admin Electric Light Or Power Line Construction Electric Light Or Power Line Construction Rural Electrification Admin Electrical Parts, Components Or Accessories Manufacturing Electrical Power Distribution Or Transmission Equipment Manufacturing Electrical Wire Or Cable Manufacturing Electrical Work – Within Buildings Electronic Components Manufacturing Electronic Games Manufacturing Electronic Stores Electroplating Elevator Or Escalator Inspecting, Installation, Service Or Repair Elevator Manufacturing Employee Benefit Plans – Labor Union Employee Benefit Plans – Other Than Labor Union Employment Agencies-No Man Power type Operations Engine Or Turbine Manufacturing – Not Aircraft Engineers Or Architects Engraving Entertainment Performed On Others' Premises Equipment, Fixtures & Supplies For Bars, Hotels, Offices, Rest Distr EMC CHOICE eligible Escalator Or Moving Sidewalk Manufacturing Escrow Agencies – Real Estate Escrow Agencies – Other Than Real Estate Excavation

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 12 of 30 (5-07)

Exercise Or Playground Equipment Manufacturing Exhibition Or Convention Buildings – Not For Profit Only Exhibition Or Convention Buildings – Other Than Not For Profit Exhibitions – In Buildings – Not For Profit Only Exhibitions – In Buildings – Other Than Not For Profit Exhibitions – In Buildings – No Admission Charged Not For Profit Only Exhibitions – In Buildings – No Admission Charged Other Than Not For Profit Exhibitions – Outside Ushers/Other Attendants Not Provided By Insured Exhibitions – Outside Ushers & Other Attendants Provided By Insured Exhibitions – Outside – No Stadiums Or Grandstands Explosive Or Fireworks Manufacturing Express Companies Extracts Manufacturing Eye Glass Lens Manufacturing Fabric Distributors Fabric Stores Fair Grounds – Non-Operating Seasons Fairs – Outside (Operator's Risk Only) Farm Machinery Operations – By Contractors Feed, Grain Or Hay Dealers Feed Manufacturing Fence Dealers Fence Erection Contractors Fertilizer Dealers & Distributors Fertilizer Manufacturing Fiber Manufacturing Fiber Mfg – Synthetic Fiberglass Manufacturing Fire Departments Fire Departments – Volunteer Fire Extinguishers – Servicing, Refilling Or Testing Fire Extinguishers Manufacturing Fire Protection Equipment Dealers & Distributors Fire Suppression Systems – Installation, Servicing Or Repair Fire Suppression System Manufacturing Firearms Manufacturing Fireproofing – Structures

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 13 of 30 (5-07)

Fireworks Exhibitions Fisheries & Fishing Services Fishing Piers Fishing Ponds Or Lakes – Commercially Operated Floor Covering Distributors EMC CHOICE eligible Floor Covering Installation Not Ceramic Tile Or Stone Floor Covering Manufacturing – Not Carpets, Rugs, Ceramic Or Stone Tiles Floor Covering Stores Floor Waxing Florists Food Products Manufacturing – Dry Food Products Manufacturing – Frozen Food Products Manufacturing – Not Dry – In Glass Containers Food Products Manufacturing – Not Dry – In Other Than Glass Containers Forestry Service Forging Work Formal Wear Or Costumes – Rented To Others Foundries Fraternal Orders Freight Forwarders Or Handlers Freight Forwarders Or Handlers Packaging/Handling/Shipping/Explosives Frozen Food – Distributors EMC CHOICE eligible Fruit Or Vegetable Dealers Fruit Or Vegetable Distributors Fruit Or Vegetable – Harvesting Contractors Fruit Or Vegetable Juice Manufacturing No Bottling Or Carbonated Beverages Fuel Dealers Or Distributors – Coal Or Wood Fuel Oil Or Kerosene Dealers Fuel Oil Or Kerosene Distributors Fumigating Funeral Home Or Chapels Fur Garment Manufacturing Fur – Garments And Pelts – Distributors Fur Or Pelt Processing Furniture Manufacturing Or Assembling – Infants Furniture Manufacturing Or Assembling – Other Than Wood Furniture Manufacturing Or Assembling – Wood

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 14 of 30 (5-07)

Furniture Or Fixtures – Installation In Office Or Stores Portable Furniture Or Woodwork Stripping, Refinishing Or Repair Shop Only Furniture Stores – Not For Profit Only Furniture Retail Stores-other than not for profit Galvanizing Or Tinning Gambling – Casinos Gambling – Incidental To Other Operations Garbage, Ash Or Refuse Collecting Garbage Or Refuse Dumps Garbage Works – Sep For Recycling, Reduction Or Incineration Gardening And Light Farming Supply Distributors EMC CHOICE eligible Gas Companies Gas Companies – Natural Gas Gas Dealers – LPG Gas Dealers Or Distributors Gas Distributors – LPG Gas Mains Or Connections Construction Gas Manufacturing-CO2 only Gas Manufacturing – Inert Gas Manufacturing – Primarily Flammable, Explosive Or Reactive Gasoline Distributors Gasoline Or Oil Supply Stations – Retail – (Lessor's Risk Only) Gasoline Recovery – From Casing Head Or Natural Gas Gasoline Station – Full Service Gasoline Station – Self Service Gasoline Station – Self & Full Service Combined Gemstone Cutting Or Polishing Geophysical Explorations Geophysical Exploration – Seismic Method Gift Shops – Not For Profit Only Gift Shops – Other Than Not For Profit Glass Dealers And Glaziers Glass Or Glassware Manufacturing Golf Courses – Miniature Golf Courses – Municipal Or Public Not Golf Or Country Club- Golf Driving Ranges Golf mobile – Loaned Or Rented To Others

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 15 of 30 (5-07)

Govtl Subdivision Not State Or Federal Municipal 0 – 10,000 Govtl Subdivision Not State Or Federal Municipal 10,001 - 20,000 Govtl Subdivision Not State Or Federal Counties 20,001 + Grading Of Land Grain Elevator Operations Grain Milling Grandstands Or Bleachers – Not For Profit Only Grandstands Or Bleachers – Other Than Not For Profit Greenhouses Greenhouse Erection Grocery Distributors Grocery Stores Guides Or Outfitters Guniting Or Shot-Crete Gunsmiths Halls Not For Profit Only Halls Other Than Not For Profit Handyman Hardware And Tool Distributors EMC CHOICE eligible Hardware Stores Hazardous Material Contractors Health Care Facilities Health Maintenance Organization Health Or Exercise Clubs Health Or Exercise Facilities – Commercially Operated Health Or Natural Food Stores Hearing Aid – Distributors Hearing Aid Stores Heating Or Combined Heating & Air Cond Equipment Dealers/Distrib Only Heating Or Combined Heating & Air Cond Equipment Dealers/Rep/Serv Heating Or Combined Heating & Air Cond Equipment Dealers/Repair/No LPG Heating Equipment Manufacturing – Coal Or Wood Heating Equipment Manufacturing – Electric Heating Equipment Manufacturing – Fuel Oil Or Kerosene Heating Equipment Manufacturing – Gas Or Liquefied Petroleum Gas Hide Dealers & Distributors – Raw Hobby, Craft Or Artist's Supply Store

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 16 of 30 (5-07)

Hobby, Craft or Artists� Supply – Distributors EMC CHOICE eligible Home Furnishings Stores Home Health Care Services – Not For Profit Home Health Care Services – Other Than Not For Profit Home Improvement Stores Hone, Oilstone Or Whetstone Manufacturing Honey Extracting Hotels & Motels With Pool-less than 4 stories EMC CHOICE eligible Hotels & Motels with Pool - 4 stories or more Hotels & Motels Without Pool - less than 4 stories EMC CHOICE eligible Hotels & Motels Without Pool - 4 Stories Or More House Furnishings Installation Housing Projects – Federal, State, Local Hunting Preserves – Not For Profit Only Hunting Preserves – Other Than Not For Profit Ice Cream Stores Ice Dealers & Distributors Importers Ink Manufacturing Inner Tubes Manufacturing Inspection & Appraisal Companies Inspect For Ins Or Valuation Purposes Instrument Manufacturing Instrument Manufacturing – Analytical, Calibrating, Measuring, Testing/Record Instrument Manufacturing – Control Insulating Material Manufacturing – Mineral Insulating Material Manufacturing – Organic Insulating Material Manufacturing – Plastic Insulating Material Manufacturing – Plastic For Application In A Solid State Insulation Work – Mineral Insulation Work – Organic Or Plastic In Solid State Insulation Work – Plastic Insurance Agents Just Kidding - but glad you're reviewing closely! Interior Decorators Internet Access Providers Internet Retailers Internet Service Providers Investment Advice-No Professional

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 17 of 30 (5-07)

Irrigation Or Drainage System Construction Irrigation Works Operations Janitorial Services Janitorial Supplies – Dealers & Distributors EMC CHOICE eligible Jetty Or Breakwater Construction Jewelry Manufacturing Jewelry Stores Or Distributors Junk Dealer Kennels – Breeding, Boarding Or Sales No Workers Comp Labor Union Offices Laboratories – Research, Development Or Testing – Not For Profit Only Laboratories – Research, Development Or Testing – Other Than Not For Profit Ladder Manufacturing Ladder Manufacturing – Wood Lakes Or Reservoirs Existence Hazard Only Not For Profit Lakes Or Reservoirs Existence Hazard Other Than Not For Profit Lamp Shade Manufacturing Lamps Or Lanterns Manufacturing Lamps Or Lanterns Manufacturing – Electric Land - Occupied By Persons Other Than Insured (Lessor's Risk Only) Landscape Gardening Laundries And Dry Cleaners - Self – Service EMC CHOICE eligible Laundries And Dry Cleaning Plants EMC CHOICE eligible Laundry And Dry Cleaning Or Dyeing Receiving Stations EMC CHOICE eligible Laundry And Dry Cleaning Stores EMC CHOICE eligible Laundry Rental Service Lawn Care Services Lawyers Offices – Not For Profit Only Lawyers Offices – Other Than Not For Profit Lead Mfg - Red Or White Lead Works – Sheet, Pipe Or Shot Leather Goods Manufacturing Leather Goods Stores Libraries Light Bulb Or Tubes Manufacturing Lighting Fixtures Manufacturing Lime Manufacturing

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 18 of 30 (5-07)

Liquor Manufacturing Livestock Dealers Or Commission Merchants Livestock Sales Companies Loan Agents, Brokers & Correspondents Locksmiths Logging And Lumbering Lubricants Manufacturing – Grease Luggage Goods Stores Lumberyards Machine Shops Machinery Or Equipment Farm Installation, Servicing, Repair/Erect Machinery Or Equipment Industrial Installation, Servicing Or Repair Machinery Or Equipment Installation, Servicing Or Repair Machinery Or Equipment Dealers Machinery Or Equipment Dealers Construction Or Industrial Mobile Type Machinery Or Equipment Dealers – Farm Type EMC CHOICE eligible Machinery Or Equipment Dealers Yard Or Garden Type EMC CHOICE eligible Machinery Or Machinery Parts Manufacturing Machinery Or Mach Parts Manufacturing Construction, Mining Or Materials Handling Machinery Or Machinery Parts Manufacturing – Farm Type Machinery Or Machinery Parts Manufacturing – Industrial Type Machinery Or Machinery Parts Manufacturing – Metalworking Mail Box Or Packaging Stores Mail Order Houses Mailing Or Addressing Companies Mail Order or Online Drugstores Manufacturers Representatives Marine Appraisers Or Surveyors Markets – Not Open Air (Lessor's Risk Only) Not For Profit Only Markets – Not Open Air (Lessor's Risk Only) Other Than Not For Profit Markets – Open Air (Lessor's Risk Only) Not For Profit Only Markets – Open Air (Lessor's Risk Only) Other Than Not For Profit Masonry Match Manufacturing Mattress Or Box Spring Manufacturing Mausoleums – Not For Profit Only Mausoleums – Other Than Not For Profit

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 19 of 30 (5-07)

Meat, Fish, Poultry Or Seafood – Curing Meat, Fish, Poultry Or Seafood – Distributors Meat, Fish, Poultry Or Seafood Processing In Airtight Containers Meat, Fish, Poultry Or Seafood Proc Not In Airtight Containers Meat, Fish, Poultry Or Seafood Stores Medical, Dental, Hospital Or Surgical Equipment Or Supplies Manufacturing Expendable Medical, Dental, Hospital/Surgical Equipment Or Supplies Manufacturing Nonexpendable Medical, Dental, Hospital Or Surgical Equipment Instrument Manufacturing Medical, Dental/Surgical Diagnostic Or Treatment Machines Or Dev Medical, Hospital And Surgical Equip And Supplies Rented To Others Medical, Hospital And Surgical Supply Stores Medical Offices Metal Dealers Or Distributors – Nonstructural Metal Dealers Or Distributors – Structural Metal Erection – Decorative Or Artistic Metal Erection – Frame Structures Iron Work On Outside Of Buildings Metal Erection In Construction Of Dwelling Not Exceed 2 Stories Metal Erection – Nonstructural Metal Erection – Steel Lock Gates, Gasholders, Standpipes, Water No Workers Comp Metal Erection – Structural Metal Extracting Or Refining Metal Foil Manufacturing Metal Goods Manufacturing EMC CHOICE eligible Metal Goods Manufacturing – Stamping – Not Signs EMC CHOICE eligible Metal Heat Processing Metal Scrap Dealers Metal Works – Shop – Decorative Or Artistic Metal Works – Shop – Structural – Load Bearing Metal Works – Shop – Structural – Not Load Bearing Mica Goods Manufacturing Milk Depots Or Dealers Milk Processing Mining Mobile Home Manufacturing Mobile Home Parks Or Courts Mobile Home Sales Agencies Model Homes

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 20 of 30 (5-07)

Modular Units Manufacturing Mortgage Loan Brokers-PI's Motion Pictures – Development Of Negatives Printing & Subs Operations Motion Pictures – Film Distribution Or Exchanges Not In Studio Motion Pictures – Production – Studios Or Outside All Prior Ops Motorcycle, Moped Or Motor Scooter Manufacturing Museums – Not For Profit Only No Fine Arts coverage available, ACV on contents Museums – Other Than Not For Profit No Fine Arts coverage available, ACV on contents Music Stores - Pre-Recorded Musical Instrument Manufacturing Musical Instrument Stores Musical Products Manufacturing – Pre-Recorded Mutual Fund Shares & Securities Sales Organizations Nail Salons-No Tanning Booth Nails Or Spikes Manufacturing Needles, Pins Or Tacks Manufacturing Net Manufacturing Net Manufacturing – Safety Nets Newspaper Or Magazine Distributors Newsstands Nightclubs, Cabarets & Comedy Clubs Nursery – Garden Offices Office Machines Manufacturing Office Machines Or Appliances – Installation, Inspection, Adj Or Rep Oil Or Gas Lease Operations Oil Or Gas Wells – Acidizing Oil Or Gas Wells – Cementing Oil Or Gas Wells – Cleaning Or Swabbing By Contractors Oil Or Gas Wells Instrument Logging Or Survey Work In Wells Oil Or Gas Wells – Non-Operating Working Interest Oil Or Gas Wells – Perforating Of Casing Oil Or Gas Wells – Servicing – By Contractors Oil Or Gas Wells – Shooting Oil Or Gas Wells Supplies Or Equipment Dealers – Secondhand Oil Refineries Oil Rig Or Derrick Erecting Or Dismantling Wood Or Metal

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 21 of 30 (5-07)

Oil Still Erection Or Repair Optical Goods – Distributors EMC CHOICE eligible Optical Goods Manufacturing Optical Goods Stores Orchards & Vineyards – Operation By Contractors No Workers Comp, No U-Pick operations Ore Milling Or Processing Orthopedic, Ambulation Or Prosthetic Devices Manufacturing Packing Houses Paint, Varnish, Or Shellac Or Lacquer Manufacturing Paint, Wallpaper Or Wall Covering Stores Painting – Exterior Buildings Or Structures Exceed 3 Stories In Height No Workers Comp Painting – Exterior Buildings Or Structures 3 Stories Or Less In Height Painting – Interior – Buildings Or Structures Painting – Oil Or Gasoline Tanks Painting – Ship Hulls Painting – Shop Only Painting – Steel Structures Or Bridges Painting – Picture Or Frame Store Paper Coating Or Finishing Paper Goods Manufacturing NOC Paper Manufacturing Paper Products Distributors EMC CHOICE eligible Paper, Rag Or Rubber Stock Dealers & Distributors – Secondhand Paperhanging Parachute Manufacturing Parades - Public Entities only Parking – Private Parking – Public – Open Air Parking – Public – Shopping Centers Maintained By Insured (Lessor's Risk) Parking – Public – Not Open Air Parking – Public – Shopping Centers Maintained By Lessee (Lessor's Risk) Parks Or Playgrounds Pattern Manufacturing Pattern Manufacturing – Metal Pattern Manufacturing – Paper Pawn Shops Payroll Accounting Services

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 22 of 30 (5-07)

Penal Institutions Pencil, Pen, Crayon Or Chalk Manufacturing Pension, Health & Welfare Plans – Labor Unions Pension, Health & Welfare Plans – Other Than Labor Unions Periodicals Distributors Pest Control Services Pet Food Manufacturing Pet Grooming Pet Stores Pet Training Photo Finishing Laboratories Photographers Photographic Equipment Manufacturing Photographic Supplies Manufacturing Piano Tuning Picnic Grounds – Commercially Operated Pile Driving Pipeline Construction Pipelines – Operation Pipes Manufacturing – Tobacco Pipes Or Tubes Manufacturing – Metal Pipes Or Tubes Manufacturing – Plastic Plastering Or Stucco Work-No EFIS Plastic Manufacturing – Raw Material Plastic Or Rubber Goods Manufacturing – Household Plastic Or Rubber Goods Manufacturing – Other Than Household Plastic Or Rubber Supply Goods Distributors EMC CHOICE eligible Plumbing – Commercial And Industrial Plumbing – Residential Or Domestic Plumbing Fixtures Manufacturing Plumbing Supplies & Fixtures Dealers & Distributors EMC CHOICE eligible Plumbing Supplies Manufacturing Plywood, Veneer Or Veneer Products Manufacturing Plywood, Veneer Or Veneer Products Manufacturing Without Log Processing Political Campaign Headquarters Or Offices Prefabricated Building Erection Prefabricated Building Manufacturing

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 23 of 30 (5-07)

Printers Or Electrotypers Supplies – Distributors Printing - Not For Profit Only EMC CHOICE eligible Printing - Other Than Not For Profit EMC CHOICE eligible Produce Handling Or Packing Professional & Trade Assoc No Building Or Premises / Office Only Not For Profit Professional & Trade Assoc No Building Or Premises / Office Only Other than Not For Profit Publishers – Books & Magazines – Not For Profit Publishers – Books & Magazines – Other Than Not For Profit Publishers – Newspapers – Not For Profit Only Publishers – Newspapers – Other Than Not For Profit Pulp Manufacturing Pumps Or Compressors Manufacturing Quarries Race Tracks – Motorized Vehicles Racing Racquet Sports And Handball Facilities – Commercially Operated Radio Or TV Broadcasting Stations Not For Profit Only No PI Radio Or TV Broadcasting Stations Other Than Not For Profit No PI Railroad Construction Railroad Engine Manufacturing Railroad Or Other Public Conveyance Cars or Parts Manufacturing Railroads – Operations & Maintenance Railroads – Shop Operation And Maintenance Razor Or Razor Blades Manufacturing Real Estate Agents Real Estate Development Property Real Estate Property Managed Recording Studios Recreational Vehicle Dealers Recycling Collection Centers – Not For Profit Only Recycling Collection Centers – Other Than Not For Profit Refrigeration Equipment Manufacturing Refrigeration Equipment – Dealers & Distributors Only – Commercial Refrigeration System & Equip – Dealers & Distribution & Install/Service Rendering Works Renovating Outside Surfaces Of Buildings Rental Stores

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 24 of 30 (5-07)

Rental Stores – Machinery Or Equip – Rented To Others Long Term Restaurants-Limited Cooking Restaurants – Operated By Concessionaires – Not For Profit Only Restaurants – Operated By Concessionaires – Other Than Not For Profit Restaurants – Refreshment Stands Or Drive-In Not For Profit Only Restaurants- dancing Restaurants-no dancing and/or live music - alcohol < 30% May be eligible for Liquor Liability Restaurants-no dancing and/or live music - alcohol >30% but < 75% Restaurants-no dancing and/or live music - alcohol > 75% Riding Academies Rifle Or Pistol Ranges Rigging Rodeos Rolling Mills – Cold Or Hot Process Roofing – Commercial No Workers Comp Roofing – Residential No Workers Comp Rope Manufacturing Rubber Manufacturing Rubber Reclaiming Rubber Stamp Manufacturing Or Assembling Saddles, Harnesses Or Horses Furnishings Manufacturing Safe Deposit Companies Safes Or Safe Vaults Manufacturing Sail Making Sales Or Service Organizations Sales, Service Or Consulting Organizations Salt, Boraz, Potash Or Phosphate - Producing Or Refining Salt Manufacturing Salvage Operations Sand Or Gravel Digging Sandblasting Saunas And Baths – Public Saw Mills Or Planing Mills Schools – Not For Profit Only Schools – Other Than Not For Profit Schools – Colleges, Universities, Jr. College Not For Profit Only Schools – Colleges, Universities, Jr. College Other Than Not For Profit

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 25 of 30 (5-07)

Schools – Correspondence Schools – Dormitory Facilities – Not For Profit Only Schools – Dormitory Facilities – Other Than Not For Profit Schools – Private Elementary, Kindergarten Or Jr. High Not For Profit Schools – Private Elementary, Kindergarten Or Jr. High Other than Not For Profit Schools – Public Elementary, Kindergarten Or Jr. High Program not available in Kentucky Schools – Private High Not For Profit Only Schools – Private High Other Than Not For Profit Schools – Public High Program not available in Kentucky Schools – Trade Or Vocational Scientific Services NOC Secondhand Or Salvage Dealers & Distributors Security And Patrol Agencies Securities Sales Organizations (incl. mutual funds) Seed Merchants – Excl Misdelivery, Error In Mixture & Germ Failure Seed Merchants NOC Seed Merchants – Excl Germination Failure Septic Tank Systems – Cleaning Septic Tank Systems – Installation, Servicing Or Repair Sewage Disposal – Plant Operations Sewer Cleaning No Workers Comp Sewer Mains Or Connections Construction No Workers Comp Sewers Sewing Machines Manufacturing – Commercial Sewing Machines Manufacturing – Household Shaft Sinking Sheet Metal Work – Outside Sheet Metal Work – Shop Only EMC CHOICE eligible Shelters, Mission, Settlement Halfway Houses-Not Church Or Office Ship Ceiling Or Scaling Ship Repair Or Conversion Shoe, Boot Or Slipper Manufacturing Shoe Repair Shops Shoe Stores Shopping Centers Building Or Prem Not Occupied By Insured (Lessor's Risk Only) Shop Centers Indoor Malls Building Or Prem Not Occupied By Insured (Lessor's Risk) Siding Installation

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 26 of 30 (5-07)

Sign Erection, Installation Or Repair Sign Manufacturing Sign Manufacturing Electrical Sign Painting Or Lettering - Inside Of Buildings Sign Painting Or Lettering On Buildings Or Structures No Workers Comp Skating Rinks – Ice Skating Rinks – Roller Skeet Shooting Or Trap Shooting Ranges Ski Lifts, Tows Or Runs Slate Milling No Workers Comp Slate Splitting Or Slate Roofing Manufacturing No Workers Comp Soap Manufacturing Social Gatherings/Meetings On Prem Not Owned Or Oper Not For Profit Social Gatherings/Meetings On Prem Not Owned Or Oper Other than Not For Profit Social Services – Consulting Services – Private Sector Solar Energy Contractors Spas Or Personal Enhancement Facilities Sponge Processing Sporting Goods Or Athletic Equipment Distributors Sporting Goods Or Athletic Equipment Manufacturing Sporting Goods Or Athletic Equipment Stores Sports Or Outdoor Activities – Commercially Operated Stables - Boarding, Livery Or Racing Stadiums – Operated By Insured – Not For Profit Only Stadiums – Operated By Insured – Other Than Not For Profit Stationery Or Paper Products Stores Stationery or Paper Products Distributors Steam Heating Or Steam Power Companies Steam Mains Or Connections Construction No Workers Comp Steam Pipe Or Boiler Insulation Steel Wool Or Wire Wool Manufacturing Stevedoring Stockyards Stone Crushing No Workers Comp Stone Cutting Or Polishing Stores – Food Or Drink – Not For Profit Only Stores – Food Or Drink – Other Than Not For Profit

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 27 of 30 (5-07)

Stores – No Food Or Drink – Not For Profit Only Stores - No Food Or Drink – Other Than Not For Profit Street Cleaning Streets, Roads, Highways Or Bridges Existence & Maintenance Hazard Street Or Road Construction Or Reconstruction Street Or Road Paving Or Repave, Surfacing Or Resurface Or Scrap Subway Construction Sugar Refining Sun Tanning Salons Supermarkets Surveyors – Land – Not Engaged In Actual Construction Swimming Pool Servicing No Installation Swimming Pools Swimming Pools – Commercially Operated Swimming Pools – Installation, Servicing Or Repair Above Ground Swimming Pools – Installation, Servicing Or Repair Below Ground Swimming Pools Or Accessories Manufacturing Syrups Or Molasses – Refining, Blending Or Manufacturing Tailor Merchants – Men And Boys Tailoring Or Dressmaking Establishments – Custom Tank Building Or Manufacturing – Metal – Not Pressurized Tank Building Or Manufacturing – Metal – Pressurized Tank Construction, Install, Erection Or Repair Metal Tanning – Animal Hides Tattoo Parlors Taxicab Companies Taxidermists Telecommunication Equipment Manufacturing Telecommunication Equipment Providers Telecommunication Service Providers Telegraph Companies Telephone Or Telegraph Companies Teleproduction Studios Telephone, Telegraph Or Cable Television Line Construction Television Or Radio Receiving Set Installation Or Repair Television Picture Tube Manufacturing Tent Or Canopy Manufacturing

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 28 of 30 (5-07)

Tent Or Canvas Good-Erection Removal Or Repair Away from Shop Tents Or Canopies – Loaned Or Rented To Others Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing New Good Textile Coating Or Impregnating Textile Manufacturing – Impregnated Or Coated Textile Products Manufacturing – Fabricated Textile Spinning, Weaving Or Knitting Mills Theaters – Not For Profit Only Theaters – Other Than Not For Profit Theaters – Drive In Theaters – Motion Pictures Theatrical Companies – Traveling Ticket Agencies Tie, Post Or Pole Yard Tile, Stone, Marble, Mosaic Or Terrazzo Work Interior Construction Tire Dealers No Recapping, Re-treading, or large trucks Tire Manufacturing – Auto, Bus Or Truck Tire Manufacturing – Not Auto, Bus Or Truck Tire – Retreading Or Recapping Title Agents Tobacco Products Distributors Tobacco Products Manufacturing Tobacco Products Stores Tobacco Rehandling Or Warehousing Toll Bridges Tool Manufacturing – Accessories Tool Manufacturing – Hand Type – Not Powered Tool Manufacturing – Hand Type – Powered Tool Manufacturing – Power Equipment, Household Type – Outdoor Or Workshop Townhouses Or Similar Associations (Association Risk Only) Toy Distributors Toy Stores Toys Or Games Manufacturing Trailer Dealers Trailer Manufacturing Trailer Rental Agencies Travel Agency Tours

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 29 of 30 (5-07)

Tree Pruning, Dusting, Spraying, Repairing, Trimming & Fumigating No workers Comp Truckers Tunneling Turpentine Or Resin Manufacturing Twine Or Cordage Manufacturing Umbrella Or Cane Manufacturing Underpinning Buildings Or Structures Upholstering Upholstering – Shop Only Vacant Buildings Vacant Land – Not For Profit Only Vacant Land – Other Than Not For Profit Valves Manufacturing Variety Stores – Not For Profit Only Variety Stores – Other Than Not For Profit Vegetable Oil Manufacturing Vegetable Oil Manufacturing – By Solvent Extraction Vending Machine Operations Vending Machine Operations – Confection, Food, Beverage Or Ice Vending Machine Operations – Tobacco Products Vending Machines Manufacturing Venetian Blinds Manufacturing Or Assembling Video Arcades Warehouse – Cold Individual Storage Lockers Warehouse – Cold Storage – Public Warehouses Warehouse Occupied by Multiple Interests (Lessor's Risk) Warehouse Occupied by Single Interest (Lessor's Risk) Warehouses – Mini-Warehouses Warehouses – Private – Not For Profit Only Warehouses – Private – Other Than Not For Profit Washing Machines, Dryers Or Ironers – Coin Meter Type Water Bottling – In Siphons Water Bottling – Spring Or Well – Not Sparkling Or Carbonated Water Bottling – Spring Or Well – Sparkling Or Carbonated Water Companies Water Mains Or Connections Construction

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 30 of 30 (5-07)

Water Softening Equipment – Installation, Servicing Or Repair Water Softening Equipment – Rented To Others Waterproofing Waterproofing – By Pressure Apparatus Waterproofing – By Trowel – Exterior Waterproofing – By Trowel – Interior Or Insulation Work Wax Or Wax Products Manufacturing Wax, Wax Products Or Polish Manufacturing – Floor Web Site Designers Weighers, Samplers Or Inspectors Or Merch On Vessels Or Docks Welding Or Cutting Shop Only Wharf & Waterfront Property Wheel Manufacturing Wicker, Rattan, Willow Or Twisted Fiber Products Manufacturing Wigs Or Hair Pieces Manufacturing Window Cleaning-3 stories or less No Workers Comp Window Decorating Wine Manufacturing – Sparkling Wine Manufacturing – Still Wire Cloth Manufacturing Wire Drawing Wire Goods Manufacturing Wire Rope Or Cable Manufacturing – Metal Wood Preserving Wood Products Manufacturing Wood Turned Products Manufacturing Wool Combing, Scouring Or Separating From Cotton Wool Pulling Wrecking – Buildings Or Structures Wrecking – Dismantling Of Prefabricated Dwellings Under 3 Stories Wrecking – Marine YMCA, YWCA, Or Similar Institutions Youth Recreation Programs – Not For Profit Only Youth Recreation Programs – Other Than Not For Profit Zoos – Not For Profit Only Zoos – Other Than Not For Profit