What is a Loss Cost Multiplier? 12222 Merit Drive, Suite 1600, (Lessors Risk Only)Maintained by the InsuredNot-For-Profit Only, Buildings or PremisesBank and Other Financial Institutions, Buildings or PremisesBanks and Other Financial Institutions, Buildings or PremisesOfficePremises Occupied by Employees of the InsuredOther Than Not-For-Profit, Buildings or PremisesOfficePremises Occupied by Employees of the InsuredNot-For-Profit Only, Buildings or PremisesOfficeOther Than Not-For-Profit, Buildings or PremisesOfficeNot-For-Profit Only, CondominiumsCommercialBank or Mercantile, Mfg. 57202 Motorcycle, Moped, or Motor Scooter Mfg.$5 million Gross Sales. Following are some exceptions to the ISO classifications and their effect on coverage. General Liability Classification Guide | Verisk General Liability Classification Guide Premium Audit Advisory Service Overview The General Liability Classification Guide is a comprehensive tool to help insurance professionals apply correct general liability classifications. Rule 25 of the ISOCommercial Lines Manual (CLM)is titled "Classifications," and it very succinctly describes the purpose of the classification system: "to group insureds into classifications so that theratefor each classification reflects thehazards commonto those insureds [emphasis added].". As a business owner you are required to have commercial general liability insurance and workers compensation if you have employees, in almost all states. (800) 827-4242. Lynn R. "Bob is very knowledgeable and has always done a great job explaining different aspects of coverage. Classification limitation endorsement. Data Management and Reporting. There was considerable doubt. The OSHA Report got a face lift to make it WAY easier to read. We have a need to classify stuffincluding all living things. Provides central look-up for class codes, statistical codes, loss costs/rates, and associated code elements, e.g., effective/discontinued dates General Liability Rating: How Does It Work? - The Balance Medical, Dental, Hospital or Surgical Instruments Mfg. Grab that worlds best insurance agent mug, fill it up with some cheap office coffee and lets get cracking. In fact, they use. Code: 95625- Handyperson Common Workers Compensation Class Codes: 5645- Carpentry and Construction- Residential A handyman business may fall into any of these classifications. Each classification within the general industry classifications noted above also includes a written description of the classification. The ISO classification system starts with a 5-digit code that describes theindustryof the insuredManufacturing or Processing (Codes 50000 to 59999), Contracting or Servicing (90000 to 99999), Mercantile (10000 to 19999), Building or Premisesoffice or space leased to others (60000 to 69999), and Miscellaneous (40000 to 49999). [Emphasis added.] Contact one of our business insurance Specialists today at 800-900-8657, or start a quote online now. This includes General Liability, NAICS, and state and NCCI . 15300. If you would like a demo please contact us. Plastic or Rubber Goods Mfg.Other Than Household, Plywood, Veneer or Veneer Products Mfg.Other, Plywood, Veneer or Veneer Products Mfg.without Log Processing, Plywood, Veneer, or Veneer Products Mfg.without Log Processing, PublishersBooks or MagazinesOther Than Not-For-Profit, PublishersBooks or MagazinesNot-For-Profit Only, PublishersNewspapersOther Than Not-For-Profit, PublishersNewspapersNot-For-Profit Only. Claims and Fraud. NAICS Code List To view GL Class Codes, click the image below (Page may take a few seconds to load). CLMRule 25.C directs the user to " choose the classification from section of theManualwhichbest describesthe operation." Plastic or Rubber Goods Mfg.--Other Than Household, Plywood, Veneer or Veneer Products Mfg.--Other, Plywood, Veneer or Veneer Products Mfg.--without Log Processing, Publishers--Books or Magazines--Other Than Not-For-Profit, Publishers--Books or Magazines--Not-For-Profit Only, Publishers--Newspapers--Other Than Not-For-Profit, Publishers--Newspapers--Not-For-Profit Only. Dallas, TX 75251 You have reached your daily limit of reports. The overall purpose of the ISO Classification System used with the ISO CGL policy is to match the exposure with the premium. General liability insurance is complicated and what appears to be the correct class code for any given business and job isnt always the case. To separate your flyers from the pack you only need to add an extra sentence or 2. Introduction of these updates are likely to occur in the second quarter of 2022. Electrical Power Distribution or Transmission Equipment Mfg. Certain ISO classifications may also add to or at least clarify the coverage in the CGL policy. Commercial general liability insurance is based on the classification code (s) of the activities that have risk. Get My Quote Or call for your free quote: (855) 767-7828 Find your NCCI Workers Comp Class Code & get the best small business insurance quotes online. Bob, is the person most people strive to become. The A-to-Z code list includes categories ranging from abrasive wheel manufacturing to zoos. 3 The named insured and the insurer agree that the statements on the declarations are accurate and complete and that the statements are based on representations of the named insured and the policy was issued based on the insurer's reliance on such representations. Railroad or Other Public Conveyance Cars Mfg. Insurance Policy Programs. Premium Audit Advisory Service - Home Page Loss costs are the portion of the premium intended to cover losses onlyto calculate the full "rate" for each classification, the insurer must add to the loss costs its own costs of overhead. Medical, Hospital and Surgical Supply Stores. By grouping like businesses with like exposures, ISO is able to develop loss costs that allow the matching of exposures with premiums. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation. The General Liability QC3 tool provides a power search across countrywide codes and state special classification codes with relating workers compensation cross-references and SIC/NAICS codes. What Are General Liability Insurance Class Codes? - Fit Small Business General liability class codes are a series of numbers used to classify businesses by their risk level. General liability class codes, or "GL class codes" for short, are numbers that represent a group of small businesses who perform similar work and, from an insurer's perspective, share similar risk exposures. Second, consider (for example) the liquor liability exclusion (exclusion c.) of the unendorsed CGL policythe exclusion only applies if the named insured is "in the business" of furnishing or selling alcohol. And, it should go without saying that every business does not fall fully or completely within a classification or classifications. However, it should be recognized that classifying businesses for the purpose of a CGL policy is more art than science, requiring judgments by underwriters as to the classification thatbestdescribes the operations of an insured. Cross Reference. Workers Compensation Class Code - General Liability Insure You can reset your password if you have forgotten it. Contractors Equipment--Cranes, Derricks, Power Shovels and Equipment Incidental Thereto--Rented to Others with Operators, Contractors Equipment--Cranes, Derricks, Power Shovels and Equipment Incidental Thereto--Rented to Others without Operators, Contractors Equipment Dealers--Ladders, Excluding Hoists, Scaffolds or Towers, Contractors Equipment Dealers--Ladders, Hoists, Scaffolds or Towers, Contractors Equipment--Earth Moving Equipment Other Than Cranes, Derricks and Power Shovels--Rented to Others with Operators, Contractors Equipment--Earth Moving Equipment Other Than Cranes, Derricks and Power Shovels--Rented to Others without Operators, Contractors Equipment--Excluding Automobiles--Rented to Others with Operators, Contractors Equipment--Excluding Automobiles--Rented to Others without Operators, Contractors Equipment--Hod or Material Platform Hoists and Equipment Incidental Thereto--Rented to Others with Operators, Contractors Equipment--Hod or Material Platform Hoists and Equipment Incidental Thereto--Rented to Others without Operators, Contractors Equipment--Ladders, Scaffolds, Scaffolding, Sidewalk Bridges, Towers and Equipment Incidental Thereto--Rented to Others, Contractors Equipment--Scaffolds, Sidewalk Bridges, Hod or Material Hoists, Towers--Rented to Others--Installation, Repair or Removal Operations Only, Contractors Equipment--Steam Boilers, Compressors, Air Pressure Tanks, Pneumatic Tools and Equipment Incidental Thereto--Rented to Others with Operators, Contractors Equipment--Steam Boilers, Compressors, Air Pressure Tanks, Pneumatic Tools and Equipment Incidental Thereto--Rented to Others without Operators, Cosmetic, Hair or Skin Preparation Stores, Dairy Products or Butter and Egg Stores--Other Than Not-For-Profit, Dairy Products or Butter and Egg Stores--Not-For-Profit Only, Dance Halls, Ballrooms or Discotheques--Other Than Not-For-Profit, Dance Halls, Ballrooms or Discotheques--Not-For-Profit Only, Drugstores--No Table or Counter Service for Beverage or Food, Equipment, Fixtures or Supplies--for Bars, Hotels, Offices, Restaurants or Stores--Distributors, Fire Protection Equipment Dealers and Distributors, Formal Wear or Costumes--Rented to Others, Fuel Dealers or Distributors--Coal or Wood, Furniture Stores--Other Than Not-For-Profit, Gasoline Stations--Self and Full Service Combined, Heating or Combined Heating and Air Conditioning Equipment--Dealers or Distributors Only, Janitorial Supplies--Dealers or Distributors, Laundry and Dry Cleaning or Dyeing Receiving Stations, Livestock Dealers or Commission Merchants, Machinery or Equipment Dealers--Construction or Industrial--Mobile Type, Machinery or Equipment Dealers--Farm Type, Machinery or Equipment Dealers--Yard or Garden Type, Markets--Not Open Air (Lessor's Risk Only) Other Than Not-For-Profit, Markets--Not Open Air (Lessor's Risk Only) Not-For-Profit Only, Markets--Open Air (Lessor's Risk Only) Other Than Not-For-Profit, Markets--Open Air (Lessor's Risk Only) Not-For-Profit Only, Oil or Gas Well Supplies or Equipment Dealers--Secondhand, Meat, Fish, Poultry or Seafood--Distributors, Medical, Hospital and Surgical Equipment and Supplies--Rented to Others, Medical, Hospital and Surgical Supply Stores, Metal Dealers or Distributors--Nonstructural, Metal Dealers or Distributors--Structural, Paper, Rag or Rubber Stock Dealers and Distributors--Secondhand, Plastic or Rubber Supply Goods Distributors, Plumbing Supplies and Fixtures Dealers and Distributors, Printers or Electrotypers Supplies--Distributors, Racquet Sports and Handball Facilities--Commercially Operated, Refrigeration Equipment--Dealers and Distributors Only--Commercial, Rental Stores--Machinery or Equipment--Rented to Others on a Long-Term Basis, Restaurants--Operated by Concessionaires--Other Than Not-For-Profit, Restaurants--Operated by Concessionaires--Not-For-Profit Only, Secondhand or Salvage Dealers and Distributors, Seed Merchants--Excluding Erroneous Delivery, Error in Mixture and Germination Failure, Seed Merchants--Erroneous Delivery, Error in Mixture and Resulting Germination Failure, Seed Merchants--Erroneous Delivery, and Error in Mixture (Excluding Germination Failure), Restaurants--with No Sale of Alcoholic Beverages--with Table Service, Restaurants--with No Sale of Alcoholic Beverages--without Table Service with Seating, Restaurants--with No Sale of Alcoholic Beverages--without Seating, Restaurants--with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants--with Table Service, Restaurants--with Sale of Alcoholic Beverages that are Less Than 30% of the Annual Receipts of the Restaurants--without Table Service with Seating, Restaurants--with Sale of Alcoholic Beverages that are 30% or More of But Less Than 75% of the Total Annual Receipts of the Restaurants--with Dance Floor, Restaurants--with Sale of Alcoholic Beverages that are 30% or More of But Less Than 75% of the Total Annual Receipts of the Restaurants--without Dance Floor, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--with Tables--with Dance Floor: Table Service, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--with Tables--with Dance Floor: No Table Service, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--with Tables--without Dance Floor: Table Service, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--with Tables--without Dance Floor: No Table Service, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--Bar Service Only (No Tables): with Dance Floor, Restaurants--with Sale of Alcoholic Beverages that are 75% or More of Total Annual Receipts of the Restaurants--Bar Service Only (No Tables): without Dance Floor, Sporting Goods or Athletic Equipment Distributors, Sporting Goods or Athletic Equipment Stores, Stores--Food or Drink--Other Than Not-For-Profit, Stores--Food or Drink--Not-For-Profit Only, Stores--No Food or Drink--Not-For-Profit Only, Tailoring or Dressmaking Establishments--Custom, Variety Stores--Other Than Not-For-Profit, Washing Machines, Dryers or Ironers--Coin Meter Type, Water Softening Equipment--Rented to Others, Adult Day Care--Other Than Not-For-Profit, Airport Control Towers--Not Operated Exclusively by the Federal Aviation Administration, Airport--Lessees of Portions of Airports Engaged in the Sale of Aircraft or Accessories, Servicing or Repairing of Aircraft or Pilot Instructions, Ambulance Service, First Aid or Rescue Squads--Other Than Not-For-Profit, Ambulance Service, First Aid or Rescue Squads--Not-For-Profit Only, Amusement Devices--Operated in Connection with Carnivals or Fairs--Other Than Not-For-Profit, Amusement Devices--Operated in Connection with Carnivals or Fairs--Not-For-Profit Only, Athletic Games Sponsored by the Insured--Other Than Not-For-Profit, Athletic Games Sponsored by the Insured--Not-For-Profit Only, Athletic or Sports Contests--in Buildings--Lessees--Other Than Not-For-Profit, Athletic or Sports Contests--in Buildings--Lessees--Not-For-Profit Only, Athletic Programs--Amateur--Other Than Not-For-Profit, Athletic Programs--Amateur--Not-For-Profit Only, Athletic Teams--Professional or Semi-Professional, Beaches--Bathing--Not Commercially Operated, Bingo Games--in Public Halls or Theaters--Commercially Operated, Boats--Canoes or Rowboats--Not for Rent--Not Equipped with Motors, Clubs--Horseback Riding--No Commercial Riding Instructions, Clubs--Civic, Service or Social--Having Buildings or Premises Owned or Leased--Other Than Not-For-Profit, Clubs--Civic, Service or Social--Having Buildings or Premises Owned or Leased--Not-For-Profit Only, Clubs--Civic, Service or Social--No Buildings or Premises Owned or Leased Except for Office Purposes--Not-For-Profit Only, Conventions (Sponsor's Risk Only)--Other Than Not-For-Profit, Conventions (Sponsor's Risk Only)--Not-For-Profit Only, Community Recreational Facilities--Not Operated by Governmental Agency, Cotton Gin Operations--Other Than Those Performed for a Fee Per Bale, Dam, Levee or Dike--Existence Hazard Only, Day Care Centers--Other Than Not-For-Profit, Entertainment Performed on Others' Premises, Exhibitions--Outside--In Stadiums or on Premises Having Grandstands or Bleachers Not Erected by or for Insured--Ushers or Other Attendants in Stands Not Provided by Insured, Exhibitions--Outside--In Stadiums or on Premises Having Grandstands or Bleachers Not Erected by or for the Insured--Ushers or Other Attendants in Stands Provided by the Insured, Exhibitions--Outside--No Stadiums or Grandstands, Fireworks Exhibitions--Contractor's Risk Only, Fireworks Exhibitions--Sponsor's Risk Only--Other Than Not-For-Profit, Fireworks Exhibitions--Sponsor's Risk Only--Not-For-Profit Only, Fishing Ponds or Lakes--Commercially Operated, Fruit or Vegetable--Harvesting Contractors, Garbage Works--Separation for Recycling, Reduction or Incineration, Gasoline or Oil Supply Stations--Retail--(Lessor's Risk Only), Gasoline Recovery--from Casing Head or Natural Gas, Golf Courses--Municipal or Public--Not Golf or Country Clubs, Governmental: Municipalities--Population under 2,500, Governmental: Municipalities--Population 2,501-10,000, Governmental: Municipalities--Population 10,001-25,000, Governmental: Municipalities--Population 25,001-50,000, Governmental: Municipalities--Population 50,001-100,000, Governmental: Municipalities--Population over 250,000, Governmental: Counties or Parishes--Population under 10,000, Governmental: Counties or Parishes--Population 10,001-25,000, Governmental: Counties or Parishes--Population 25,001-50,000, Governmental: Counties or Parishes--Population 50,001-100,000, Governmental: Counties or Parishes--Population 100,001-250,000, Governmental: Counties or Parishes--Population over 250,000, Grandstands or Bleachers--Other Than Not-For-Profit, Grandstands or Bleachers--Not-For-Profit Only, Health or Exercise Facilities--Commercially Operated, Health Care Facilities--Alcohol and Drug--Other Than Not-For-Profit, Health Care Facilities--Alcohol and Drug--Not-For-Profit Only, Health Care Facilities--Convalescent or Nursing Homes--Not Mental--Psychopathic Institutions--Other Than Not-For-Profit, Health Care Facilities--Convalescent or Nursing Homes--Not Mental--Psychopathic Institutions--Not-For-Profit Only, Health Care Facilities--Homes for the Aged--Other Than Not-For-Profit, Health Care Facilities--Homes for the Aged--Not-For-Profit Only, Health Care Facilities--Homes for the Physically Handicapped or Orphaned--Other Than Not-For-Profit, Health Care Facilities--Homes for the Physically Handicapped or Orphaned--Not-For-Profit Only, Health Care Facilities--Hospitals Other Than Not-For-Profit, Health Care Facilities--Hospitals Not-For-Profit Only, Health Care Facilities--Mental--Psychopathic Institutions--Other Than Not-For-Profit, Health Care Facilities--Mental--Psychopathic Institutions--Not-For-Profit Only, Health Care Facilities--Clinics, Dispensaries or Infirmaries Treating Outpatients Only--No Regular Bed and Board Facilities--Other Than Not-For-Profit, Health Care Facilities--Clinics, Dispensaries or Infirmaries Treating Outpatients Only--No Regular Bed and Board Facilities--Not-For-Profit Only, Home Health Care Services--Not-For-Profit Only, Home Health Care Services--Other Than Not-For-Profit, Hotels and Motels--with Pools or Beaches--Less Than Four Stories, Hotels and Motels--with Pools or Beaches--Four Stories or More, Hotels and Motels--without Pools or Beaches--Less Than Four Stories, Hotels and Motels--without Pools or Beaches--Four Stories or More, Hunting Preserves--Other Than Not-For-Profit, Lakes or Reservoirs--Existence Hazard Only--Other Than Not-For-Profit, Lakes or Reservoirs--Existence Hazard Only--Not-For-Profit Only, Land--Occupied by Persons Other Than the Insured for Business Purposes--(Lessor's Risk Only), Oil or Gas Wells--Non-Operating Working Interest, Parking--Public--Shopping Centers--Maintained by Lessee (Lessor's Risk Only), Parking--Public--Shopping Centers--Maintained by the Insured (Lessor's Risk Only), Political Campaign Headquarters or Offices, Professional and Trade Associations--No Buildings or Premises Owned or Leased Except as Offices--Other Than Not-For-Profit, Professional and Trade Associations--No Buildings or Premises Owned or Leased Except as Offices--Not-For-Profit Only, Race Tracks--Motorized Vehicles--Operators, Race Tracks--Motorized Vehicles--Lessor's Risk Only, Race Tracks--Motorized Vehicles--Sponsor's Risk Only, Recycling Collection Centers--Other Than Not-For-Profit, Recycling Collection Centers--Not-For-Profit Only, Schools--Faculty Liability for Corporal Punishment of Students, Schools--Public--Elementary, Kindergarten or Junior High, Schools--Private--Elementary, Kindergarten or Junior High--Other Than Not-For-Profit, Schools--Private--Elementary, Kindergarten or Junior High--Not-For-Profit Only, Schools--Private--High--Other Than Not-For-Profit, Schools--Private--High--Not-For-Profit Only, Social Gatherings and Meetings--on Premises Not Owned or Operated by the Insured--Other Than Not-For-Profit, Social Gatherings and Meetings--on Premises Not Owned or Operated by the Insured--Not-For-Profit Only, Social Services--Consulting Services Only--Operated by the Private Sector, Sports or Outdoor Activities--Commercially Operated, Stadiums--Operated by Insured--Other Than Not-For-Profit, Stadiums--Operated by Insured--Not-For-Profit Only, Streets, Roads, Highways or Bridges--Existence and Maintenance Hazard Only, Tents or Canopies--Loaned or Rented to Others, Towers--Telecommunication--Existence Hazard Only (Lessors Risk Only), Vending Machine Operations--Confection, Food, Beverage or Ice, Vending Machine Operations--Tobacco Products, Warehouse--Cold Individual Storage Lockers, Wharf and Waterfront Property--Ferry Docks or Terminals, Wharf and Waterfront Property--Occupied by the Insured for Both Freight and Passenger Purposes, Wharf and Waterfront Property--Not Occupied by the Insured (Lessor's Risk Only), Wharf and Waterfront Property--Occupied by the Insured for Freight Purposes Exclusively, Youth Recreation Programs--Other Than Not-For-Profit, Youth Recreation Programs--Not-For-Profit Only, Abrasives or Abrasive Products Mfg.--Artificial, Aerosol Containers--Filling or Charging for Others, Appliances and Accessories Mfg.--Commercial--Gas, Appliances and Accessories Mfg.--Commercial--Not Gas, Appliances and Accessories Mfg.--Household--Gas, Appliances and Accessories Mfg.--Household--Not Gas, Automobile, Bus or Truck Parts Mfg.--Brakes or Brake Linings, Automobile, Bus or Truck Parts Mfg.--Not Operating Parts, Automobile, Bus or Truck Parts Mfg.--Operating Parts, Automobile, Bus or Truck Parts Mfg.--Passenger Restraining Devices, Beer, Ale or Malt Liquor Mfg.--In Bottles, Beer, Ale or Malt Liquor Mfg.--Not Bottled or Canned, Beverage Bottler--Soft Drinks--Carbonated--In Cans or 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, Boat or Ship Building--Inboard and Inboard/Outboard, Bottle and Jar Mfg.--Glass--Not for Use under Pressure, Bottle and Jar Mfg.--Glass--for Use under Pressure--Nonreturnable, Bottle and Jar Mfg.--Glass--for Use under Pressure--Returnable, Bottle and Jar Mfg.--Plastic--Nonreturnable, Boxes or Containers Mfg.--Corrugated or Fiberboard.