GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
QUOTA SHARE REINSURANCE AGREEMENT
between
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
and
AMERICAN RE-INSURANCE COMPANY
TABLE OF CONTENTS
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ARTICLE PAGE
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I APPLICATION OF AGREEMENT 1
II COVER 1
III LIMITS AND RETENTION I
IV EXCLUSIONS 2
V UNDERLYING INSURANCE 13
VI DEFINITIONS 14
VII UNDERWRITING GUIDELINES 14
VIII NET LOSS 15
IX CLAIMS 16
X PREMIUM 16
XI COMMISSION 16
XII REPORTS AND REMITTANCES 16
XIII ACCESS TO RECORDS 17
XIV TAXES 17
XV INSOLVENCY CLAUSE 17
XVI OFFSET AND SECURITY CLAUSE 18
XVII POLICY FORMS 19
XVIII COMMENCEMENT AND
TERMINATION 19
GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
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QUOTA SHARE REINSURANCE AGREEMENT
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This Agreement is made and entered into by and between PENN-AMERICA INSURANCE
COMPANY and PENN-STAR INSURANCE COMPANY, both of Hatboro, Pennsylvania
(hereinafter collectively referred to as the "Company") and the AMERICAN
RE-INSURANCE COMPANY, a Delaware Corporation with Administrative Offices in
Princeton, New Jersey (hereinafter referred to as the "Reinsurer").
WITNESSETH:
The Reinsurer hereby reinsures the Company to the extent and on the terms and
conditions and subject to the exceptions, exclusions and limitations hereinafter
set forth and nothing hereinafter shall in any manner create any obligations or
establish any rights against the Reinsurer in favor of any third parties or any
persons not parties to this Agreement.
ARTICLE I
APPLICATION OF AGREEMENT
This Agreement applies to General Liability policies and Commercial Umbrella
Liability policies issued by the Company and underwritten by the Company's
underwriters in its Home Office.
ARTICLE II
COVER
The Company shall cede to the Reinsurer and the Reinsurer shall accept from the
Company a quota share participation of the "Net Loss" of the Company, as
respects losses each occurrence or offense under in force, new and renewal
policies effective on or after 12:01 A.M., September 1, 2001, except as excluded
in Article IV, subject to the limitations set forth in Article III.
ARTICLE III
LIMITS AND RETENTION
A. As respects each General Liability policy issued by the Company for
amounts up to, but not exceeding $5,000,000, the Company shall cede to
the Reinsurer and the Reinsurer shall accept from the Company a 100%
quota share participation of the Company's Net Loss for amounts in
excess of $1,000,000 resulting from each occurrence or offense.
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B. As respects each Commercial Umbrella Liability policy issued by the
Company for amounts up to, but not exceeding $5,000,000, the Company
shall cede to the Reinsurer and the Reinsurer shall accept from the
Company:
I. a 90% quota share participation of the Company's Net Loss as
respects the first $1,000,000 resulting from each occurrence
or offense, plus
2. a 100% quota share participation of the Company's Net Loss for
amounts in excess of $1,000,000 resulting from each occurrence
or offense.
C. Notwithstanding the above, Commercial Umbrella Liability policies
issued for amounts in excess of $3,000,000 and Commercial Umbrella
Liability policies issued for amounts in excess of $2,000,000 shall be
submitted by the Company to the Reinsurer for inclusion hereunder and
shall only be covered if specially accepted in writing by the
Reinsurer.
D. In the event coverage underlying the policies reinsured hereunder is
not maintained or collectible, the coverage provided under this
Agreement shall apply only to the extent it would have applied if the
coverage underlying the policies reinsured hereunder had been so
maintained or collectible.
E. The Company shall retain net for its own account the following
percentages of its Net Loss:
1. As respects each General Liability policy:
a. 100% of the first $1,000,000 of its Net Loss and the
Loss Adjustment Expenses associated therewith, from
each occurrence or offense; and
b. 0% of its Net Loss and the Loss Adjustment Expenses
associated therewith, excess of the first $1,000,000
resulting from each occurrence or offense.
2. As respects each Commercial Umbrella Liability policy:
a. 10% of its Net Loss under subparagraph 1 of paragraph
B and the Loss Adjustment Expenses associated
therewith, under this Agreement; and
b. 0% of its Net Loss under subparagraph 2 of paragraph
B and the Loss Adjustment Expenses associated
therewith, under this Agreement.
ARTICLE IV
EXCLUSIONS
A. The reinsurance provided under this
Agreement shall not apply to the following:
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1. Business derived from any Pool, Association (including Joint
Underwriting Associations), Syndicate, Exchange, Plan, Fund or
other facility directly as a member, subscriber or participant, or
indirectly by way of reinsurance or assessments.
2. Liability of the Company arising from its participation or
membership, whether voluntary or involuntary, in any insolvency
fund, including any guarantee fund, association, pool, plan or
other facility which provides for the assessment of, payment by,
or assumption by the Company of a part or the whole of any claim,
debt, charge, fee or other obligations of an insurer, or its
successors or assigns, which has been declared insolvent by any
authority having jurisdiction.
3. Liability excluded by the provisions of the following Nuclear
clauses attached hereto. The word "Reassured" used therein means
"Company."
USA: Liability - Reinsurance No. 1B
Canada: Liability -- Reinsurance Canada Pre 1985
Liability -- Reinsurance Canada Post 1985
4. Coverage provided by the Company to insurance or reinsurance
companies, captives, brokers or risk retention groups (each
hereinafter referred to as insured" for purposes of this
exclusion) which provide insurance against liability of the
insured for any damages resulting from alleged or actual tortious
conduct by the insured in the handling of claims brought against
any policyholders of the insured or in the handling of any other
business matters with or on behalf of any policyholders.
5. Coverage provided on a co-indemnity basis with another insurer,
reinsurer or other entity including an insured under the Company's
policy; however, this exclusion does not apply to the standard
co-insurance provisions of a policy and facultative reinsurance
inuring to the benefit of this Agreement.
6. Coverage underwritten or accepted by any third party except the
binding authority granted by the Company to its duly authorized
agents.
7. Entertainment business, including but not limited to,
Commercial Negative Film Coverage or Cast Coverage.
8. The Company's liability and any related expenses, beyond
circumscribed policy provisions, including but not limited to,
punitive, exemplary, consequential or compensatory damages,
resulting from a claim of an insured or an insured's assignee
against the Company, its agents or employees.
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9. All reinsurance assumed by the Company except intra-Company
pooling arrangements.
10. Effective June 1, 2002, it is understood and agreed between
the Company and the Reinsurer that the Company shall utilize and
attach the Company's applicable "War or Terrorism Exclusion" (as
published by Insurance Services Office, Inc.- form BP 05 13 01 02
or CG 21 69 01 02 or CU 21 29 01 02) on all policy forms and
endorsements covered hereunder. In the event no such "War or
Terrorism Exclusion" as described above is utilized and attached
to any Company policy form or endorsement, or the "War or
Terrorism Exclusion" described above is not approved by the
appropriate state jurisdiction, it is agreed that the Reinsurer's
"Terrorist Activity Exclusion" (attached hereto as Exhibit A),
shall be deemed to apply to all business otherwise reinsured
hereunder.
Any changes made to the Company's "War or Terrorism Exclusion"
shall be submitted to the Reinsurer in writing, for the
Reinsurer's approval in writing, 90 days prior to the
implementation of such change; any purported change implemented
without the Reinsurer's approval, as described above, shall be
null and void.
Notwithstanding the above, the Company's "War or Terrorism
Exclusion" (as published by Insurance services Office, Inc.- form
BP 05 13 01 02 or CG 21 69 01 02 or CU 21 29 01 02) or the
Reinsurer's Terrorist Activity Exclusion (Exhibit A) shall only
apply when a Named Insured owns or operates any of the exposures
or classes of business listed in Exhibit B, attached hereto.
11. Liability incurred in connection with any claim or suit under
coverages reinsured hereunder, if such claim or suit is directly
or indirectly based upon, arising out of, or in any manner related
to Pollution.
"Pollution" means any solid, liquid, gaseous or thermal irritant
or contaminant, including smoke, vapor soot, fumes, acids,
alkalis, chemicals and waste. Waste includes materials to be
recycled, reconditioned or reclaimed.
This exclusion shall not apply to the extent that such liabilities
would be covered under the current standard unendorsed coverage
forms issued by Insurance Services Office, Inc. for each type of
coverage reinsured under this Agreement.
12. Space or space-related risks such as, but not limited to,
satellites, spacecraft, launch sites and launch vehicles including
cargo and freight carried therein, in all phases of operation.
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13. Liability arising out of employment-related practices,
including, but not limited to liability related to harassment,
wrongful termination or discrimination, whether under coverage
written as such or otherwise.
14. Liability arising out of the Employee Retirement Income
Security Act of 1974 and amendments thereto.
15. Liability including any related expenses, directly or
indirectly arising out of, resulting as a consequence of or
related to Sexual Misconduct, whether or not there is another
cause of loss which may have contributed concurrently or in any
sequence to a loss, except for in force policies with effective
dates prior to 12:01 A.M., September 1, 2002, and for Day Care
Pak, In Home Day Care Pak or Adult Day Care policies of the
Company where the insured purchases the Company's buy-back
coverage.
"Sexual Misconduct" as utilized herein shall include, sexual
molestation, sexual harassment, sexual abuse, any verbal or
nonverbal communication, behavior, or conduct with sexual
connotations or the infliction of physical, emotional or
psychological injury whether for purpose of sexual gratification,
discrimination, intimidation, coercion or other sexual purpose,
regardless of whether such action or resulting injury is alleged
to be intentionally or negligently caused.
16. Liability arising out of, or resulting as a consequence of,
the manufacture, distribution, testing, remediation, removal,
storage, disposal, sale, use of or exposure to the following:
a. Asbestos or materials or products containing asbestos;
b. 2.4,5 Trichloroacetic acid ("2,4,5-1") or 2.3,7,8 --
TCDD;
c. Diethylstilbestrol ("DES") in any dosage or form;
d. Any intrauterine device ("IUD");
e. Any product containing silicone, which is in any form
injected or implanted into the body;
f. Phen-fen;
g. Dioxin;
h. Polychlorinated biphenyls;
i. Lead or materials or products containing lead;
j. Latex gloves;
k. Polybutylene piping (acrylonitrile-butadine-styrene); or
I. Bio-engineered products, including any food products or
therapeutic or diagnostic pharmaceutical products which
are developed using some form of bioengineering.
17. All loss, cost or expense directly arising out of, resulting
as a consequence of, or related to Electromagnetic Radiation
related to the manufacture or generation of:
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a. Electric power and/or power lines;
b. Cellular phones;
c. Radio and TV broadcasting and/or towers;
d. Computers;
e. Electric blankets;
f. Military radar or weapons;
g. Police or weather radar;
h. Satellite stations;
1. Magnetic resonance imaging equipment;
j. X-ray equipment, except sales that are 10% or less of
insured's total sales; or k. Microwave ovens.
"Electromagnetic Radiation" as used herein, shall include
magnetic energy waves, fields or forces generated, produced,
distributed, transmitted or maintained by charges, currents,
frequencies, forces of energy or electricity."
18. Blanket or all-risk type coverage, commonly known as
Organizational Liability, Organization Liability,
Operational Liability, Integrated Risk, Enterprise Risk
or under similar names, written in, or endorsed to, a
policy covering all types of losses incurred by, or
claims against, an entity; provided, however, that this
exclusion shall not include any named-peril grant of
coverage which contemplates specifically enumerated
types of claims or losses.
19. a. Any coverage written specifically to apply to
Internet exposures; or b. Any loss, cost or expense
arising out of or related to the Internet, except if
covered under any coverage not written or endorsed
specifically to apply to Internet exposures.
Notwithstanding the above referenced exception, the
reinsurance provided under this Agreement shall not
apply to the following persons, entities or exposures,
except for in force policies with effective dates prior
to 12:01 A.M., September 1, 2001, and covered under this
Agreement.
(1) Internet Service Providers, meaning any person
or entity providing access to the Internet, content
over the Internet or connection to the Internet; or
(2) Internet Consulting Firms with gross annual
revenues greater than $5,000,000, which shall include
but not be limited to, any person or entity engaged
in the design, construction or management of an
Internet site, chat room or bulletin board, including
advertising on the Internet for another person or
entity; or
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(3) Application Service Providers, meaning
any person or entity that provides
software and associated services to a
subscriber base across an area network;
or
(4) Internet Backbone Providers, meaning any
person or entity that routes or provides
channels for packets that transport data
from point to point on the Internet; or
(5) Any person or entity that derives ninety
percent or more of gross revenue or
conducts or executes ninety percent or
more of business transactions on or
through the Internet; or
(6) Any person or entity that provides
electronic mail services; or
(7) Any person or entity that develops,
supplies, and/or installs encryption
software for use on the Internet.
`Internet' as utilized in this exclusion shall mean, the
international computer network of interoperable packet
switched data networks, also known as the worldwide web or
worldwide network of computers.
B. The reinsurance provided under this Agreement shall not apply to the
following coverages:
1. Financial Guarantees.
2. Credit and Fidelity Coverage.
3. Surety Bonds.
4. Warranty Coverage.
5. Political Risk Coverage.
6. Currency Exchange Coverage.
7. Forgery Coverage.
8. Kidnap, Extortion or ▇▇▇▇▇▇ Coverage.
9. Aggregate Excess of Loss or Stop Loss Coverages.
10. Retroactive Coverage, except in connection with unknown
incidents, covered under a claims made coverage.
11. Coverage written specifically to insure or reinsure punitive
damages.
12. Professional Liability or Errors and Omissions Coverage other
than for the following:
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a. "Beau-T-Pak";
b. Barbers;
c. Opticians;
d. Veterinarians that treat household pets;
e. Morticians;
f. Clergy;
g. Employee Benefits Liability (E&O Coverage);
h. Druggists; 1. "Day Care Pak";
j. "Adult Day Care;
k. "Health Club Pak";
1. "Instructor Pak";
m. In-Home Day Care;
n. "Pet Pak"; or
o. "Wellness Pak".
13. Directors' and Officers' Liability Coverage, except for
Condominiums and Homeowners Associations.
14. The following coverages;
a. Product recall;
b. Product tampering;
c. Product integrity impairment; or
d. Product guarantee.
15. Coverage provided under or for liability arising from any federal
law, including but not limited to; USL&H, ▇▇▇▇▇ Act, Defense Base Act,
Federal Employers' Liability Act, Outer Continental Shelf Lands Act,
the Federal Coal Mine Health and Safety Act of 1969, the
Non-appropriated Fund Instrumentality's Act, any other federal law
awarding damages for violation of those laws or regulations issued
thereunder and any amendments to any of the aforementioned laws or
regulations.
16. Securities Act Liability Coverage (S.E.C. Liability).
17. Personal Umbrella Liability Coverage.
18. Commercial Umbrella Liability Coverage issued by the Company which
has a total premium of $25,000 or more.
19. Environmental Impairment Liability Coverage.
20. Products Liability Coverage written without an annual aggregate
limit.
21. Protection and Indemnity Liability Coverage.
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22. Single Event or Special Event Coverage, except for policies
written in conjunction with the Company's Special Events
Program.
23. Uninsured or Underinsured Motorists Coverage.
24. Discrimination Liability Coverage, when written as such.
25. Advertising or Personal Injury Coverage for an insured whose
business is
advertising, broadcasting, publishing or telecasting.
26. Wrap-up Coverages.
27. Sports or other entertainment events; arenas, grandstands,
stadiums theaters, halls and any other indoor venue with an
expected capacity, at any one time, of 25,000 or more.
C. The reinsurance provided under this Agreement for Automobile Liability
business shall not apply to the following:
1. Motorcycles, motorized scooters, motorized bicycles, racing
vehicles, all-terrain vehicles, and other off the road
motorized vehicles. This exclusion applies to new and renewal
policies effective 12:01 A.M., September 1, 2002 and later.
2. Operation or use of police, fire and emergency vehicles,
including ambulances.
3. Truckers (i.e., vehicles normally used for hauling goods of
others.) This exclusion applies to new and renewal policies
effective 12:01 A.M., September 1, 2002 and later.
4. Vehicles while engaged in bobtail or deadheading operations.
This exclusion applies to new and renewal policies effective
12:01 A.M., September 1, 2002 and later.
5. Vehicles leased or rented to others if the insured is engaged
in such business. This exclusion applies to new and renewal
policies effective 12:01 A.M., September 1, 2002 and later.
6. Vehicles engaged in the transportation and distribution of
fireworks, fuses, nitroglycerine, explosives, magnesium,
ammunition, ammonium nitrate, natural or artificial fuel, gas,
butane, propane, liquefied petroleum gases or gasoline.
7. Vehicles which may be classified as "public vehicles" except
vehicles used as school or church buses. "Public vehicles"
shall be defined as contract buses, taxicabs, and livery
vehicles.
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8. Commercial vehicles over 45,000 pounds gross vehicle weight
used for purposes of hauling sand and gravel, refuse, logs,
timber or cement. This exclusion applies to new and renewal
policies effective 12:01 A.M., September 1, 2002 and later.
9. Trucks utilized for logging and lumbering operations. This
exclusion applies to new and renewal policies effective 12:01
A.M., September 1, 2002 and later.
10. Retail vehicles operating under time constraints, including
but not limited to messenger or delivery services. This
exclusion applies to new and renewal policies effective 12:01
A.M., September 1, 2002 and later.
11. Sale of new and used vehicles. This exclusion applies to new
and renewal policies effective 12:01 A.M., September 1, 2002
and later.
D. The reinsurance provided under this Agreement for General Liability
business shall not apply to the following:
Aircraft and airports as respects coverage for all liability
arising out of ownership, maintenance or use of aircraft
and/or flight or ground operations.
2. Product Liability or Completed Operations Liability related to:
a. Drugs, except for liability arising from the retail
sale or wholesale distribution of non-prescription
drugs by insureds not engaged in their manufacture;
b. Chemicals, except for liability arising from the
retail sale or wholesale distribution of household
chemicals by insureds not engaged in their
manufacture;
c. Insecticides and pesticides; d. Aircraft or aircraft
parts;
f. Animal feed, other than custom-blended grains without
chemical or pharmacological additives, except sales
that are 20% or less of insured's total sales;
g. Cosmetics manufacturing, except for the manufacture
of soaps or shampoos where the insured's receipts are
less than 10% of total sales or skin and hair
products prepared at beauty salons or similar
establishments;
h. Tobacco and tobacco products, but this exclusion
shall not apply to liability arising from the retail
sale or wholesale distribution of tobacco products by
insureds not engaged in their manufacture;
i. Automobiles, trucks, motorcycles and all-terrain
vehicles or component parts critical to the operation
of the foregoing not engaged in their manufacture;
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j. Fiberglass, but this exclusion shall not apply to
liability arising from the retail sale or wholesale
distribution of fiberglass products by insureds not
engaged in their manufacture;
k. Firearms, except for sales that are 10% or less of
insured's total sales;
1. Invasive medical equipment;
m. Electrical control equipment;
n. Elevator or hoist manufacturing, installation,
inspection, service or repair;
o. Security and alarm system manufacturing, installation,
inspection, service or repair. This exclusion applies to
new and renewal policies effective 12:0 1 A.M.,
September 1, 2002 and later.
p. Fire suppression system manufacturing, installation,
inspection, service or repair. This exclusion applies to
new and renewal policies effective 12:01 A.M., September
1, 2002 and later.
3. Wrecking or demolition of buildings, structures, watercraft or
aircraft, except for buildings three stories or less.
4. Railroad, subway and street railway construction, operation or
maintenance, excepting sidetrack agreements.
5. Bridge, tunnel, dam or reservoir design, construction,
operation or maintenance.
6. Mining, except insureds with receipts for quarry operations
that are less than 5% of total sales.
7. Onshore or offshore gas or oil drilling operations, pipelines,
or ▇▇▇▇▇.
8. Mill or grain elevator operations.
9. Manufacture, assembly, packing, handling, processing,
transportation, sale, storage or detonation of fireworks,
fuses, nitroglycerine, ammonium nitrate, magnesium, celluloid,
pyrosylin, ammunition, explosives or any product in which an
explosive substance is an ingredient, or component part.
The term "explosives substance," as used herein, is any
substance manufactured for the express purpose of exploding as
differentiated from those commodities, other than those
commodities specified in this exclusion, which are only
fortuitously explosive, such as gasoline, fuel oil, or
dyestuffs.
10. Manufacture, production, refining, storage, sale, distribution
or transportation of natural or artificial fuel, gas, butane,
methane, propane, other liquefied petroleum gases, gasoline or
gases or air under pressure,
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except this exclusion does not apply to gasoline at hardware
stores, convenience stores and automobile service stations
storing gasoline on premises for retail sale, fuel oil dealers
and LPG sales that are 20% or less of the insured's total
sales.
11. Stevedoring.
12. Ski lodges, lifts, cable cars and tows.
13. Shipbuilding, ship repair, ship breaking, dry dock, quays or
wharf operations.
14. Watercraft over 50 feet in length.
15. Amusement parks, amusement devices (other than coin operated
devices), fairs. exhibitions, carnivals, circuses and zoos
(other than petting zoos), except when written within the
guidelines of the Company's Special Events Program.
16. Electric and gas utilities and the municipalities, authorities
and all boards, commissions, or entities responsible for
administering or controlling these utilities.
17. Governmental agencies, entities, or political subdivisions of
a state or municipality.
18. Insurance companies, agents, brokers, or risk retention
groups, inspection services, claims services and rating
bureaus, unless coverage for errors and omissions is excluded
under the policy reinsured.
19. School boards or school districts.
20. Nursing homes and nursing home care. This exclusion applies to
new and renewal policies effective 12:01 A.M., September 1,
2002 and later.
21. Banks and other financial institutions unless the Company's
coverage contains a financial institutions endorsement agreed
to by the Reinsurer.
22. Warehousing and bailee operations including motor truck cargo
and terminal risks, unless liability for personal property in
the insured's care, custody or control is excluded under the
policy reinsured.
23. Crane manufacture or rental, with or without operators.
24. Contractors engaged in the construction, erection or exterior
maintenance of structures in excess of three stories, except
for window washers or power washing operations.
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25. Crop-dusting.
26. Insureds in the business of scaffold manufacture,
installation, repair, removal or rental.
27. Contractors, except as provided for by the Company's Penn
Amerigram dated November 7, 2001, and attached to this
Agreement as APPENDIX A.
28. Liquor Law Liability Coverage, except for policies written in
conjunction with the Company's Restaurant Pak Program.
E. In the event the Company is bound inadvertently, without knowledge of
and contrary to the instructions of the Company's supervising
underwriting personnel, on any business falling under section B
subsection 18 or sections C or D above, this Agreement shall apply to
such business for a period of 30 days following receipt by the Company
of knowledge thereof
F. This Agreement does not cover items excluded under section B subsection
18 or sections C or D, unless individually submitted by the Company to
the Reinsurer for inclusion hereunder, and, if specially accepted by
the Reinsurer in writing, such business shall then be covered under the
terms of this Agreement, except as such terms shall be modified by any
special acceptance.
ARTICLE V
UNDERLYING INSURANCE
A. The Underlying earner must have a Best's Rating of B+/- or better.
B. The following underlying limits shall be required and maintained:
1. Commercial General Liability
$1,000,000 each occurrence limit.
$2,000,000 general aggregate limit (other than products-completed
operations).
$1,000,000 personal and advertising injury limit.
$1,000,000 products-completed operations aggregate limit.
2. Commercial Auto Liability
Single Limit Liability
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$1,000,000 each accident.
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3. Employers' Liability
Bodily Injury Liability
$100,000 each accident (by accident).
$500,000 policy limit (by disease).
$100,000 each employee (by disease).
Bodily Injury Liability -- for monopolistic states of OH, NV,
ND, WA, WV, and WY.
$500,000 each accident (by accident).
$500,000 policy limit (by disease).
$500,000 each employee (by disease).
C. Other underlying limits if required for certain classes of risks are
stated in the Company's umbrella underwriting guidelines.
ARTICLE VI
DEFINITIONS
A. The definition of the terms "occurrence" or "offense" as used herein
shall be the definitions of said terms as set forth in the Company's
policy, provided, however, where the term "occurrence" is not defined
in any policy covered hereunder, then as respects such policy the term
"occurrence" as used herein shall be understood to mean each accident
or occurrence or series of accidents or occurrences arising out of one
event. The terms "occurrence" or "offense" shall also include
applicable aggregate limits of liability contained within the policy,
for each successive 12 calendar months from the inception date of the
policy, when the policy applies in excess of applicable aggregate
limits.
B. If the date of loss, accident or occurrence cannot be specifically
determined, the date of loss, accident or occurrence shall be the
inception date or the anniversary date of the policy, for each
successive 12 calendar months from the inception date of the policy.
C. The terms "policy" or "policies" as used in this Agreement means each
of the Company's binders, policies and contracts reinsured under this
Agreement.
ARTICLE VII
UNDERWRITING GUIDELINES
A. The Company and the Reinsurer have mutually agreed to the general
liability and umbrella underwriting guidelines as described in the
Company's "Agency Manual" and it is understood and agreed by the
parties hereto that any changes to
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these guidelines as applicable to the business reinsured hereunder
shall be mutually agreed upon by the Company and the Reinsurer prior to
the implementation of such changes.
B. The terms and conditions of this Agreement shall take precedence over
any other agreement between the Company and the Reinsurer regarding
such guidelines.
ARTICLE VIII
NET LOSS
A. The term "Net Loss" shall mean the sum or sums paid by the Company in
settlement of losses for which it is liable including any Loss
Adjustment Expenses, as hereinafter defined, which are included as part
of the policy limit under the Company's original policies reinsured
hereunder, after making proper deductions for all salvages as provided
in paragraph E below, and all other reinsurances or insurances that
inure to the benefit of the Reinsurer under this Agreement, whether
collectible or not. The Reinsurer's liability hereunder shall not be
increased by reason of the inability of the Company to collect from any
other reinsurer or insurer, whether specific or general, any amount
that may be due from them, whether such inability arises from the
insolvency of such other reinsurer or insurer or otherwise.
B. Any Loss Adjustment Expenses, which are not included as part of the
policy limit under the Company's original policies reinsured hereunder
shall be apportioned in proportion to the respective interests of the
parties hereto in the Net Loss. The Reinsurer's liability for such Loss
Adjustment Expenses, shall be in addition to the Reinsurer's limit of
liability for Net Loss as set forth in this Agreement.
C. Except as specifically provided for or excluded under this Article, the
term "Loss Adjustment Expenses" shall mean all expenses which have been
paid by the Company in the investigation, appraisal, adjustment,
settlement or defense of specific claims covered under original
policies of the Company reinsured hereunder, (also including
pre-judgment and post-judgment interests and salaries and expenses of
salaried adjusters associated therewith), but not including office
expenses of the Company, salaries and expenses of its officials and
employees or any other expenses not allocable to specific claims
covered under the Company's original policies that are reinsured under
this Agreement.
D. In the event of the insolvency of the Company, "Net Loss" shall mean
that amount which the Company has incurred or for which it is liable,
and payment by the Reinsurer shall be made to the liquidator, receiver
or statutory successor of the Company in accordance with the provisions
of Article XV, INSOLVENCY CLAUSE.
E. The Reinsurer shall be paid or credited with its proportion of salvage
(i.e. recoveries or reimbursements made or obtained by the Company)
less the costs
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involved in obtaining such salvage, excluding the office expenses of
the Company and the salaries and expenses of all employees of the
Company.
ARTICLE IX
A. As a condition precedent to the Reinsurer's liability under this Agreement,
the Company shall immediately advise the Reinsurer in writing of all claims and
any subsequent developments pertaining thereto involving the reinsurance
hereunder.
B. The Company has the obligation to investigate and, to the extent that may be
required by the policies reinsured hereunder, defend any claim affecting this
reinsurance and to pursue such loss to final determination.
C. It is understood that when so requested the Company will afford the Reinsurer
an opportunity to be associated with the Company at the expense of the Reinsurer
in the defense or control of any claim or suit or proceeding involving this
reinsurance; and the Company and the Reinsurer shall cooperate in every respect
in the defense of such suit or claim or proceeding.
ARTICLE X
PREMIUM
The Company shall pay to the Reinsurer that portion of the Company's premium
applicable to the policies reinsured hereunder which corresponds to the
Reinsurer's quota share participation in such policies.
ARTICLE XI
COMMISSION
The Reinsurer will allow the Company a ceding commission of 30% on the net
written premiums (i.e., premiums written plus additional premiums less return
premiums) ceded under this Agreement and said commission allowed shall include
provision for all taxes, assessments and any other expenses of whatsoever nature
except Loss Adjustment Expenses.
ARTICLE XII
REPORTS AND REMITTANCES
A. Within 60 days after the end of each month, the Company shall furnish to the
Reinsurer a bordereau indicating, as respects each policy covered hereunder and
bound during the month, the name of the Insured, the Insured's principle
operation, the policy number, term, limit of liability and original premium,
plus any additional or return premiums as respects each cession and the
reinsurance
-16-
premiums thereon including a statement summarizing the premiums ceded, return
premiums and commissions on net premiums. Any premium balances due the Reinsurer
shall be sent to the Reinsurer by the Company with the statement. Any premium
balances due the Company from the Reinsurer shall be sent to the Company
promptly upon receipt of the bordereau and statement by the Reinsurer.
B. Payment by the Reinsurer of its proportion of Net Loss and Loss Adjustment
Expenses paid by the Company under policies reinsured hereunder will be paid
promptly by the Reinsurer to the Company after satisfactory proof of payment by
the Company and coverage hereunder is received by the Reinsurer.
ARTICLE XIII
ACCESS TO RECORDS
The Company shall place at the disposal of the Reinsurer and the Reinsurer shall
have the right to inspect, through its authorized representatives, at all
reasonable times during the currency of this Agreement and thereafter, the
books, records and papers of the Company pertaining to the reinsurance provided
hereunder.
ARTICLE XIV
TAXES
The Company will be liable for all taxes on premiums reported to the Reinsurer
hereunder and will reimburse the Reinsurer for such taxes where the Reinsurer is
required to pay the same.
ARTICLE XV
INSOLVENCY CLAUSE
In the event of the insolvency of the Company and the appointment of a
conservator, liquidator or statutory successor, the reinsurance provided by this
Agreement shall be payable by the Reinsurer directly to the Company or to its
liquidator, receiver or statutory successor on the basis of the liability of the
Company under the contract or contracts reinsured. Subject to the right of
offset and the verification of coverage, the Reinsurer shall pay its share of
the loss without diminution because of the insolvency of the Company. The
liquidator, receiver or statutory successor of the Company shall give written
notice of the pendency of each claim against the Company on a policy or bond
reinsured within a reasonable time after such claim is filed in the insolvency
proceeding. During the pendency of such claim, the Reinsurer may, at its own
expense, investigate such claim and interpose in the proceeding where such claim
is to be adjudicated any defense or defenses which it may deem available to the
Company, its liquidator or receiver or statutory successor. Subject to court
approval, any expense thus incurred by the Reinsurer shall be chargeable against
the Company as part of the expense of liquidation to the extent of such
proportionate share of the benefit as shall accrue to the
-17-
Company solely as a result of the defense undertaken by the Reinsurer. The
reinsurance shall be payable as set forth above except where this Agreement
specifically provides for the payment of reinsurance proceeds to another party
in the event of the insolvency of the Company.
ARTICLE XVI
OFFSET AND SECURITY CLAUSE
A. Each party hereto has the right, which may be exercised at any time, to
offset any amounts, whether on account of premiums or losses or
otherwise, due from such party to another party under this Agreement or
any other reinsurance agreement heretofore or hereafter entered into
between them, against any amounts, whether on account of premiums or
losses or otherwise due from the latter party to the former party. The
party asserting the right of offset may exercise this right, whether as
assuming or ceding insurer or in both roles in the relevant agreement
or agreements.
B. Each party hereby assigns and pledges to the other party (or to each
other party, if more than one) all of its rights under this Agreement
to receive premium or loss payments at any time from such other party
("Collateral"), to secure its premium or loss obligations to such other
party at any time under this Agreement and any other reinsurance
agreement heretofore or hereafter entered into by and between them
("Secured Obligations"). If at any time a party is in default under any
Secured Obligation or shall be subject to any liquidation,
rehabilitation, reorganization or conservation proceeding, each other
party shall be entitled in its discretion, to apply, or to withhold for
the purpose of applying in due course, any Collateral assigned and
pledged to it by the former party and otherwise to realize upon such
Collateral as security for such Secured Obligations.
C. The security interest described herein, and the term "Collateral,"
shall apply to all payments and other proceeds in respect of the rights
assigned and pledged. A party's security interest in Collateral shall
be deemed evidenced only by the counterpart of this Agreement delivered
to such party.
D. Each right under this Article is a separate and independent right,
exercisable, without notice or demand, alone or together with other
rights, in the sole election of the party entitled thereto, and no
waiver, delay, or failure to exercise, in respect of any right, shall
constitute a waiver of any other right. The provisions of this Article
shall survive any cancellation or other termination of this Agreement.
E. In the event of the insolvency of a party hereto, offsets shall only be
allowed in accordance with the laws of the insolvent party's state of
domicile.
-18-
ARTICLE XVII
POLICY FORMS
A. The Company and the Reinsurer have agreed on the Company's policy forms
and endorsements as respects the policies covered hereunder, and the
Company shall advise the Reinsurer in writing of any change in such
policy forms not later than 90 days prior to the implementation of any
change.
B. The terms and conditions of this Agreement shall take precedence over
any other agreement between the Company and the Reinsurer regarding the
Company's policy forms.
ARTICLE XVIII
COMMENCEMENT AND TERMINATION
A. This Agreement shall take effect as of 12:01 A.M., September 1, 2001,
and shall remain in force until canceled in accordance with the
provisions of this article.
B. Either party may cancel this Agreement at any time by giving not less
than 90 days notice in writing to the other party.
C. The Reinsurer shall participate on business coming within the terms of
this Agreement until the date of cancellation and shall remain liable
for losses occurring after the date of cancellation on all policies in
force on such cancellation date, until the next annual anniversary,
natural expiration or cancellation date of such policies; whichever
comes first.
D. The Reinsurer shall not be liable for any losses occurring under new
and renewal policies becoming effective after the date of cancellation.
E. Any reinsurance still in force one year after the date of cancellation
of this Agreement shall be automatically canceled at that time and the
Reinsurer shall not be liable for losses occurring thereafter. The
Reinsurer shall return to the Company the unearned premiums on the
canceled in force business, calculated on the monthly pro rata basis
less the commissions allowed thereon.
F. Every notice of cancellation shall be given by the party requesting
cancellation via certified letter addressed to the other party to this
Agreement at the designated administrative offices of such party. In
determining whether the requisite number of days' notice has been given
in any case, the date of cancellation shall be counted but the date of
mailing shall not.
C. Notwithstanding the cancellation of this Agreement as hereinabove
provided, the provisions of this Agreement shall continue to apply to
all unfinished business hereunder to the end that all obligations and
liabilities incurred by each party hereunder prior to such cancellation
shall be fully performed and discharged.
-19-
Nothing herein contained shall alter, vary or extend any provision or condition
of the Agreement other than as above stated.
IN WITNESS WHEREOF the parties hereto have caused this Endorsement to be
executed in duplicate this 17th day of May, 2002.
ACCEPTED:
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
/s/ ▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇
/s/ ▇▇▇▇▇▇ ▇▇▇▇▇
Attested by:
AMERICAN RE-INSURANCE COMPANY
/s/
/s/
Attested by:
-20-
NUCLEAR INCIDENT EXCLUSION CLAUSE - LIABILITY - REINSURANCE - No. 1B
(1) This reinsurance does not cover any loss or liability accruing to the
Reassured as a member of, or subscriber to, any association of insurers or
reinsurer formed for the purpose of covering nuclear energy risks or as a direct
or indirect reinsurer of any such member, subscriber or association.
(2) Without in any way restricting the operation of paragraph (1) of this
Clause it is understood and agreed that for all purposes of this reinsurance all
the original policies of the Reassured (new, renewal and replacement) of the
classes specified in Clause II of this paragraph (2) from the time specified in
Clause III in this paragraph (2) shall be deemed to include the following
provision (specified as the Limited Exclusion Provision):
Limited Exclusion Provision.*
I. It is agreed that the policy does not apply under any liability
coverage,
to { injury, sickness, disease, death or destruction
bodily injury or property damage
with respect to which an insured under the policy is also an insured
under a nuclear energy liability policy issued by Nuclear Energy
Liability Insurance Association, Mutual Atomic Energy Liability
Underwriters or Nuclear Insurance Association of Canada, or would be
an insured under any such policy for its termination upon exhaustion
of its limit of liability.
II. Family Automobile Policies (liability only), Special Automobile
Policies (private passenger automobiles, liability only), Farmers
Comprehensive Personal Liability Policies (liability only),
Comprehensive Personal Liability Policies (liability only) or
policies of similar nature; and the liability portion of combination
forms related to the four classes of policies stated above, such as
the Comprehensive Dwelling Policy and the applicable types of
Homeowners Policies.
III.The inception dates and thereafter of all original policies as
described in II above, whether new, renewal or replacement, being
policies which either
(a) become effective on or after 1st May, 1960, or
(b) become effective before that date and contain the Limited
Exclusion Provision set out above;
provided this paragraph (2) shall not be applicable to Family
Automobile Policies, Special Automobile Policies, or policies or
combination policies of a similar nature, issued by the Reassured on
New York risks, until 90 days following approval of the Limited
Exclusion Provision by the Governmental Authority having jurisdiction
thereof.
(3) Except for those classes of policies specified in Clause II of
paragraph (2) and without in any way restricting the operation of paragraph (1)
of this Clause, it is understood and agreed that for all purposes of this
reinsurance the original liability policies of the Reassured (new, renewal and
replacement) affording the following coverages:
Owners, Landlords and Tenants Liability, Contractual Liability,
Elevator Liability, Owners or Contractors (including railroad)
Protective Liability, Manufacturers and Contractors Liability,
Product Liability, Professional and Malpractice Liability,
Storekeepers Liability, Garage Liability, Automobile Liability
(including Massachusetts Motor Vehicle or Garage Liability)
shall be deemed to include, with respect to such coverages, from the time
specified in Clause V of this paragraph (3), the following provision (specified
as the Broad Exclusion Provision):
Broad Exclusion Provision.*
It is agreed that the policy does not apply:
I. Under any Liability Coverage, { Injury, sickness, disease, death or
destruction to Bodily injury or property damage
(a) with respect to which an insured under the policy is also an
insured under a nuclear energy liability policy issued by
Nuclear Energy Liability Insurance Association, Mutual
Atomic Energy Liability Underwriters or Nuclear Insurance
Association of Canada, or would be an insured under any such
policy but for its termination upon exhaustion of its limit
of liability; or
-1-
(b) resulting from the hazardous properties of nuclear material
and with respect to which (1) any person or organization is
required to maintain financial protection pursuant to the
Atomic Energy Act of 1954, or any law amendatory thereof, or
(2) the insured is, or had this policy not been issued would
be, entitled to indemnity from the United States of America,
or any agency thereof, under any agreement entered into by
the United States of America, or any agency thereof, with
any person or organization.
II.Under any Medical Payments Coverage, or under any Supplementary
Payments Provision relating to {{ immediate medical or surgical relief,
to expenses incurred with respect
first aid,
to bodily injury, sickness, disease or death
resulting from the hazardous properties of bodily injury
nuclear material and arising out of the operation of nuclear
facility by any person or organization.
III. Under any Liability Coverage, to { Injury, sickness, disease, death or
destruction Bodily injury or property damage
resulting from the hazardous properties of nuclear material, if
(a) the nuclear material (1) is at any nuclear facility owned
by, or operated by or on behalf of, an insured or (2) has
been discharged or dispersed therefrom;
(b) the nuclear material is contained in spent fuel or waste at
any time possessed, handled, used, processed, stored,
transported or disposed of by or on behalf of an insured; or
(c) the { injury, sickness, disease, death or
destruction bodily injury or property
damage
arises out of the furnishing by an insured of services,
materials, parts or equipment in connection with the
planning, construction, maintenance, operation or use of any
nuclear facility, but if such facility is located within the
United States of America, its territories, or possessions or
Canada, this exclusion (c) applies only to
{ injury to or destruction of property at such nuclear facility.
property damage to such nuclear facility and any property thereat.
IV. As used in this endorsement:
"hazardous properties" include radioactive, toxic or explosive
properties; "nuclear materials" means source material, special nuclear
material or byproduct material; "source material," "special nuclear
material," "byproduct material" have the meanings given them in the
Atomic Energy Act of 1954 or in any law amendatory thereof; "spent
fuel" means any fuel element or fuel component, solid or liquid, which
has been used or exposed to radiation in a nuclear reactor; "waste"
means any waste material (1) containing byproduct material other than
the tailings or wastes produced by the extraction or concentration of
uranium or thorium from any ore processed primarily for its source
material content and (2) resulting from the operation by any person or
organization of any nuclear facility included within the definition of
nuclear facility under paragraph (a) or (b) thereof; "nuclear facility"
means
(a) any nuclear reactor,
(b) any equipment or device designed or used for (1) separating
the isotopes of uranium or plutonium, (2) processing or
utilizing spent fuel, or (3) handling, processing or
packaging waste,
(c) any equipment or device used for the processing, fabricating
or alloying of special nuclear material if at any time the
total amount of such material in the custody of the insured
at the premises where such equipment or device is located
consists of or contains more than 25 grams of plutonium or
uranium 233 or any combination thereof, or more than 250
grams of uranium 235,
(d) any structure, basin, excavation, premises or place prepared
or used for the storage or disposal of waste,
-2-
and includes the site on which any of the foregoing is located, all
operations conducted on such site and all premises used for such
operations; "nuclear reactor" means any apparatus designed or used to
sustain nuclear fission in a self-supporting chain reaction or to
contain a ▇▇▇▇▇▇▇▇ ▇▇▇▇ of fissionable material; With respect to injury
to or destruction of property, the word "injury" or "destruction"
includes all forms of radioactive contamination of property. "Property
damage" includes all forms of radioactive contamination of property.
V. The inception dates and thereafter of all original policies affording
coverages specified in this paragraph (3), whether new, renewal or
replacement, being policies which become effective on or after 1st May,
1960, provided this paragraph (3) shall not be applicable to
(i) Garage and Automobile Policies issued by the Reassured on
New York risks, or
(ii)statutory liability insurance required under Chapter 90,
General Laws of Massachusetts, until 90 days following approval of the
Broad Exclusion Provision by the Governmental Authority having
jurisdiction thereof.
(4) Without in any way restricting the operation of paragraph (1) of this
Clause, it is understood and agreed that paragraphs (2) and (3) above are not
applicable to original liability policies of the Reassured in Canada and that
with respect to such policies this Clause shall be deemed to include the Nuclear
Energy Liability Exclusion Provisions adopted by the Canadian Underwriters'
Association or the Independent Insurance Conference of Canada.
--------------------------------------------------------------------------------
* NOTE: The words printed in italics in the Limited Exclusion Provision and
in the Broad Exclusion Provision shall apply only in relation to original
liability policies which include a Limited Exclusion Provision or a Broad
Exclusion Provision containing those words.
-3-
NUCLEAR INCIDENT EXCLUSION CLAUSE - LIABILITY - REINSURANCE -
CANADA
Applicable to policies in effect prior to January 1, 1985.
1. This Contract does not cover any loss or liability accruing to the
Reassured as a member of, or subscriber to, any association of insurers or
reinsurers formed for the purpose of covering nuclear energy risks or as a
direct or indirect reinsurer of any such member, subscriber or association.
2. Without in any way restricting the operation of paragraph 1 of this
clause it is agreed that for all purposes of this Contract all the original
liability contracts of the Reassured, whether new, renewal or replacement, of
the following classes, namely,
Personal Liability,
Farmers Liability,
Storekeepers Liability,
which become effective on or after 31st December, 1962, shall be deemed to
include, from their inception dates and thereafter, the following provision:-
Limited Exclusion Provision
This Policy does not apply to injury, sickness, disease,
death, damage or destruction with respect to which an Insured under
this Policy is also insured under a contract of nuclear energy
liability insurance (whether the Insured is named in such contract or
not and whether or not it is legally enforceable by the Insured) issued
by the Nuclear Insurance Association of Canada or any other group or
poo1 of insurers or would be an Insured under any such policy but for
its termination upon exhaustion of its limit of liability.
With respect to property, loss of use of such property shall
be deemed to be damage to or destruction of property.
3. Without in any way restricting the operation of paragraph 1 of
this clause it is agreed that for all purposes of this
Contract all the original liability contracts of the
Reassured, whether new, renewal or replacement, of any class
whatsoever (other than Personal Liability, Farmers Liability,
Storekeepers Liability or Automobile Liability contracts),
which become effective on or after 31st December, 1962, shall
be deemed to include, from their inception dates and
thereafter, the following provision:
Broad Exclusion Provision
This Policy does not apply to injury, sickness, disease, death, damage or
destruction
(a) with respect to which an Insured under this
Policy is also insured under a contract of
nuclear energy liability insurance (whether
the Insured is named in such contract or not
and whether or not it is legally enforceable
by the Insured) issued by the Nuclear
Insurance Association of Canada or any other
group or pool of insurers or would be an
Insured under any such policy but for its
termination upon exhaustion of its limit of
liability; or
(b) resulting directly or indirectly from the nuclear
energy hazard arising from:
(1) the ownership, maintenance,
operation or use of a nuclear
facility by or on behalf of an
Insured;
(2) the furnishing by an Insured of
services, materials, parts or
equipment in connection with the
planning, construction, maintenance,
operation or use of any nuclear
facility; and
(3) the transportation, consumption,
possession, handling, disposal or
use of radioactive material (other
than radioisotopes away from a
nuclear facility) sold, handled,
used or distributed by an Insured.
-1-
As used in this Endorsement:
(i) The term "nuclear energy hazard" means
the radioactive, toxic, explosive or other
hazardous properties of radioactive
material;
(ii) The term "radioactive material" means
uranium, thorium, plutonium, neptunium,
their respective derivatives and compounds,
radioactive isotopes of other elements and
any other substances that the Atomic Energy
Control Board may, by regulation, designate
as being prescribed substances capable of
releasing atomic energy, or as being
requisite for the production, use or
application of atomic energy;
(iii) The term "nuclear facility" means:
(a) any apparatus designed or used
to sustain nuclear fission in a
self-supporting chain reaction or to
contain a ▇▇▇▇▇▇▇▇ ▇▇▇▇ of
plutonium, thorium and uranium or
any one or more of them;
(b) any equipment or device designed
or used for (i) separating the
isotopes of plutonium, thorium and
uranium or any one or more of them,
(ii) processing or utilizing spent
fuel, or (iii) handling, processing
or packaging waste;
(c) any equipment or device used for
the processing, fabricating or
alloying of plutonium, thorium and
uranium or any one or more of them
if at any time the total amount of
such material in the custody of the
insured at the premises where such
equipment or device is located
consists of or contains more than 25
grams of plutonium or uranium 233 or
any combination thereof, or more
than 250 grams of uranium 235;
(d) any structure, basin,
excavation, premises or place
prepared or used for the storage or
disposal of waste radioactive
material;
and includes the site on which any
of the foregoing is located,
together with all operations
conducted thereon and all premises
used for such operations.
(iv) With respect to property, loss of
use of such property shall be deemed
to be damage to or destruction of
property.
-2-
NUCLEAR INCIDENT EXCLUSION CLAUSE - LIABILITY -REINSURANCE
CANADA
REV. 83
Applicable to policies becoming effective on and after January 1,1985.
(See Note)
1. This Agreement does not cover any loss or liability accruing to the
Company as a member oil or subscriber to, any association of insurers or
reinsurers formed for the purpose of covering nuclear energy risks or as a
direct or indirect reinsurer of any such member, subscriber or association.
2. Without in any way restricting the operation of paragraph 1 of this
clause it is agreed that for all purposes of this Agreement all the original
liability contracts of the Company, whether new, renewal or replacement, of the
following classes, namely,
Personal Liability,
Farmers Liability,
Storekeepers Liability,
which become effective on or after 31st December, 1984, shall be deemed to
include, from their inception dates and thereafter, the following provision:
Limited Exclusion Provision
This Policy does not apply to injury, sickness, disease,
death, damage or destruction with respect to which an Insured under
this Policy is also insured under a contract of nuclear energy
liability insurance (whether the Insured is named in such contract or
not and whether or not it is legally enforceable by the Insured) issued
by the Nuclear Insurance Association of Canada or any other group or
pool of insurers or would be an Insured under any such policy but for
its termination upon exhaustion of its limit of liability.
With respect to property, loss of use of such property shall
be deemed to be damage to or destruction of property.
3. Without in any way restricting the operation of paragraph 1 of this
clause it is agreed that for all purposes of this Agreement all the original
liability contracts of the Company, whether new, renewal or replacement, of any
class whatsoever (other than Personal Liability, Farmers Liability, Storekeepers
Liability or Automobile Liability contracts), which become effective on or after
31st December, 1984, shall be deemed to include, from their inception dates and
thereafter, the following provision:-
Broad Exclusion Provision
It is agreed that this policy does not apply:
(a) to liability imposed by or arising under the
Nuclear Liability Act; nor
(b) to bodily injury or property damage with
respect to which an Insured under this policy
is also insured under a contract of nuclear
energy liability insurance (whether the
Insured is unnamed in such contract and
whether or not it is legally enforceable by
the Insured) issued by the Nuclear Insurance
Association of Canada or any other insurer or
group or pool of insurers or would be an
Insured under any such policy but for its
termination upon exhaustion of its limit of
liability; nor
(c) to bodily injury or property damage resulting
directly or indirectly from the nuclear
energy hazard arising from:
(i) the ownership, maintenance,
operation or use of a nuclear
facility by or on behalf of an
Insured;
(ii) the furnishing by an Insured of
services, materials, parts or
equipment in connection with the
planning, construction, maintenance,
operation or use of any nuclear
facility; and
(iii) the possession, consumption, use,
handling, disposal or transportation
of fissionable substances, or of
other radioactive material (except
radioactive isotopes, away from a
nuclear facility, which have reached
the final stage of fabrication so as
-1-
to be usable for any scientific,
medical, agricultural, commercial or
industrial purpose) used,
distributed, handled or sold by an
insured.
As used in this policy:
The term "nuclear energy hazard"
means the radioactive, toxic,
explosive or other hazardous
properties of radioactive material;
2. The term "radioactive material"
means uranium, thorium, plutonium,
neptunium, their respective
derivatives and compounds,
radioactive isotopes of other
elements and any other substances
that the Atomic Energy Control Board
may, by regulation, designate as
being prescribed substances capable
of releasing atomic energy, or as
being requisite for the production,
use or application of atomic energy;
3. The term "nuclear facility" means:
(a) any apparatus designed or used
to sustain nuclear fission in a
self-supporting chain reaction
or to contain a ▇▇▇▇▇▇▇▇ ▇▇▇▇ of
plutonium, thorium and uranium
or any one or more of them;
(b) any equipment or device designed
or used for (i) separating the
isotopes of plutonium, thorium
and uranium or any one or more
of them, (ii) processing or
utilizing spent fuel, or (iii)
handling, processing or
packaging waste;
(c) any equipment or device used for
the processing, fabricating or
alloying of plutonium, thorium
or uranium enriched in the
isotope uranium 233 or in the
isotope uranium 235, or any one
or more of them if at any time
the total amount of such
material in the custody of the
insured at the premises where
such equipment or device is
located consists of or contains
more than 25 grams of plutonium
or uranium 233 or any
combination thereof, or more
than 250 grams of uranium 235;
(d) any structure, basin,
excavation, premises or place
prepared or used for the storage
or disposal of waste radioactive
material;
and includes the site on which any
of the foregoing is located,
together with all operations
conducted thereon and all premises
used for such operations.
4. The term "fissionable substance"
means any prescribed substance
that is, or from which can be
obtained, a substance capable of
releasing atomic energy by
nuclear fission.
5. With respect to property, loss
of use of such property shall be
deemed to be damage to or
destruction of property.
NOTE: In addition, the clause is applicable to all the original
liability contracts of the Company in effect after January 1,
1985 whether, new, renewal or replacement of any class
whatsoever, (other than Personal Liability, Farmers Liability,
Storekeepers Liability or Automobile Liability contracts) which
incorporate a Nuclear Energy Liability Exclusion as contained in
Form JBC 2000 1-83.
-2-
EXHIBIT A
---------
GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
QUOTA SHARE REINSJJRANCE AGREEMENT
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
AMERICAN RE-INSURANCE COMPANY TERRORISM EXCLUSION
--------------------------------------------------
The reinsurance provided under this Agreement shall not apply to the following:
Any loss, cost or expense arising out of or related to, either directly or
indirectly, any "Terrorist Activity," as defined herein. This exclusion applies
regardless of any other cause or event that in any way contributes concurrently
or in any sequence to the loss, cost or expense. For the purposes of this
exclusion:
a. "Terrorist Activity" shall mean any deliberate, unlawful act that:
(1) is declared by any authorized governmental official to be or
to involve terrorism, terrorist activity or acts of terrorism;
or
(2) includes, involves, or is associated with the use or
threatened use of force, violence or harm against any person,
tangible or intangible property, the environment, or any
natural resources, where the act or threatened act is
intended, in whole or in part, to
(a) promote or further any political, ideological, philosophical,
racial, ethnic, social or religious cause or objective of the
perpetrator or any organization, association or group affiliated
with the perpetrator;
(b) influence, disrupt or interfere with any government related
operations, activities or policies;
(c) intimidate, coerce or frighten the general public or any segment of
the general public; or
(d) disrupt or interfere with a national economy or any segment of a
national economy; or
(3) includes, involves, or is
associated with, in whole or in part, any of the following
activities, or the threat thereof:
(a) hijacking or sabotage of any form of transportation or
conveyance, including but not limited to spacecraft,
satellite, aircraft, train, vessel, or motor vehicle;
(b) hostage taking or kidnapping;
(c) the use of any biological, chemical, radioactive, or nuclear
agent, material, device or weapon;
(d) the use of any bomb, incendiary device, explosive or firearm;
--1--
(e) the interference with or disruption of basic public or
commercial services and systems, including but not limited to
the following services or systems: electricity, natural gas,
power, postal, communications, telecommunications,
information, public transportation, water, fuel, sewer or
waste disposal;
(1) the injuring or assassination of any elected or appointed
government official or any government employee;
(g) the seizure, blockage, interference with, disruption of, or
damage to any government buildings, institutions, functions,
events, tangible or intangible property or other assets; or
(h) the seizure, blockage, interference with, disruption of, or
damage to tunnels, roads, streets, highways, or other places
of public transportation or conveyance.
b. Any of the activities listed in section a (3) above shall be considered
Terrorist Activity except where the Company can conclusively
demonstrate to the Reinsurer that the foregoing activities or threats
thereof were motivated solely by personal objectives of the perpetrator
that are unrelated, in whole or in part, to any intention to:
(1) promote or further any political, ideological, philosophical,
racial, ethnic, social or religious cause or objective of the
perpetrator or any organization, association or group
affiliated with the perpetrator;
(2) influence, disrupt or interfere with any government related
operations, activities or policies;
(3) intimidate, coerce or frighten the general public or any
segment of the general public; or
(4) disrupt or interfere with a national economy or any segment of
a national economy.
-2-
EXHIBIT B
----------
GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
QUOTA SHARE REINSURANCE AGREEMENT
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
Terrorism Activity Exclusion Guidelines
The Terrorist Activity Exclusion will apply when a Named Insured owns or
operates any of the following exposures/classes of business, unless otherwise
authorized by American
Re:
Airports and Aircraft
Amusement parks, amusement devices (other than coin operated devices), fairs,
exhibitions, carnivals, circuses and zoos (other than petting zoos),
except when written within the guidelines of the of the Company's
Special Events Program.
Apartments/Condos/Co-Ops> 25 stories
Arenas, grandstands, stadiums, theaters, halls, and any other indoor venue with
an expected capacity, at any one time, of 25,000 or more people."
Automobile Mfrs.
Bridges
Casinos and Casino Hotels
Chemical Mfg. and Distribution Cos., except for liability arising from the
retail sale or wholesale distribution of household chemicals by insureds not
engaged in their manufacture.
Cruise Lines
Dams
Defense/Aerospace Industries
Entertainment Industry, i.e. TV and motion picture studios, Broadway
theaters, etc. when revenues exceed
$10,000,000.
Financial Institutions
Flight Schools
Government Buildings (Fed/State) and National Landmarks
High Tech Mfg. Cos., i.e. manufacturers of computer hardware or software
with gross annual receipts greater than $25,000,000.
Hospitals
Hotels> 25 stories
Internet Cos., i.e. the following persons, entities or exposures:
(1) Internet Service Providers, meaning any person or entity
providing access to the Internet, content over the Internet or
connection to the Internet; or
(2) Internet Consulting Firms with gross annual revenues greater
than $5,000,000, which shall include but not be limited to,
any person or entity engaged in the design, construction or
management of an Internet site, chat room or bulletin board,
including advertising on the Internet for another person or
entity; or
(3) Application Service Providers, meaning any person or entity
that provides software and associated services to a subscriber
base across an area network; or
-1-
EXHIBIT B
GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
QUOTA SHARE REJNSURANCE AGREEMENT
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
Terrorism Activity Exclusion Guidelines- continued
(4) Internet Backbone Providers, meaning any person or entity that
routes or provides channels for packets that transport data
from point to point on the Internet; or
(5) Any person or entity that derives ninety percent or more of
gross revenue or conducts or executes ninety percent or more
of business transactions on or through the Internet; or
(6) Any person or entity that provides electronic mail services;
or
(7) Any person or entity that develops, supplies, and/or installs
encryption software for use on the Internet.
`Internet' as utilized in this exclusion shall mean, the international
computer network of interoperable packet switched data networks, also
known as the worldwide web or worldwide network of computers.
Major Media Cos.
Nuclear Facility exposures
Office Buildings > 25 stories
Petrochemical / Oil and Gas Cos.
Pharmaceutical Mfg. And Distribution Cos., except for liability arising from the
retail sale or wholesale
distribution of non-prescription drugs by insureds not engaged in their
manufacture.
Pipelines (oil and gas)
Port / Transit Authorities
Professional Sports Teams
Property Management Cos.-- buildings greater than 15 stories or revenues greater
than $10,000,000.
Railroads
Security Services
Shopping Malls - enclosed and greater than 250,000 square feet.
Stadiums,arenas, grandstands, theaters, halls and any other indoor venue with
an expected capacity, at any one time, of 25,000 or more people.
Telecommunication companies- when revenues exceed $50,000,000 or number of
customers exceed 20 000 or number of transmission towers exceeds 25.
Truck Rental Cos.
Tunnels
Trucking Companies (not applicable to general liability coverages)
Universities
Utility Cos.-- electric, gas, water and sewer
-2-
APPENDIX A
----------
GENERAL LIABILITY AND COMMERCIAL UMBRELLA LIABILITY
QUOTA SHARE REJNSURANCE AGREEMENT
PENN-AMERICA INSURANCE COMPANY
PENN-STAR INSURANCE COMPANY
The Company's Penn Amerigram dated November 7, 2001 attached hereto
To get your agency production figures, visit ▇▇▇.▇▇▇▇-▇▇▇▇.▇▇▇
-----------------
Visit our website at ▇▇▇.▇▇▇▇-▇▇▇▇▇▇▇.▇▇▇
--------------------
PA-2001-26
November 7, 2001
TO OUR AGENTS
NEW CONTRACTOR CLASSES,
CONTRACTOR APPLICATION, AND
EXCLUSIONARY ENDORSEMENT
I. Introduction
We have listened to your ideas, investigated the market, and
developed the following guidelines for writing contractors in your
states:
II. Contracting Guidelines
A. Contractor Classes: While construction defect claims and litigation
continue to arise, there are states where we think that this type of
business can still be written profitably - assuming the right mix of legal
atmosphere in the state and careful underwriting and monitoring.
(1) Contractor Classes - See the attached "Contracting Risks: Underwriting
Guidelines", which we ask that you implement immediately. You can
insert these guidelines in your Penn-America Agency Manual at either
Section 3, "Classification Authority Table", or Section 10,
"Underwriting Position Papers - Contracting Risks".
(2) You can start writing these new classes in the surplus lines company
in your state(s).
(3) In California and Pennsylvania, you must write these new classes in
Penn-America Insurance Company as we have no surplus lines carrier in
these states.
(4) In the "High Hazard" states (i.e., Arizona, California, Colorado,
Nevada, Oregon, Texas, Washington, and New York - as defined in the
attached Guidelines), you can write the following three classes -
Fence Erection Contractors, Painting Contractors and Water Main
Connection Construction. The classes available in the "Low Hazard"
states are listed in the attached Guidelines.
B. New Contractor Application - PA01-416 (11/01):
(1) The insured must complete and sign this application for all contractor
risks authorized in your state(s).
(2) Please begin using this application immediately.
(3) See attached application.
(4) You should insert this form in numerical order in your Forms
Portfolio, Section 6, "PA-Series Sample Forms".
C. New Exclusionary Endorsement - Condominium, Townhouse, Row
House or Tract Home Construction Project Exclusion - S2070
(11/01):
(1) Attach to all contractor classes on a non-admitted basis.
(2) Please begin using this exclusionary endorsement immediately on
non-admitted business. We are commencing a filings campaign and will
advise you of the approval of such filings for use on admitted
business as approvals occur. This exclusion should be attached to all
contractor risks no later than January 1, 2002.
(3) See attached exclusion.
(4) You should insert this form in numerical order in your Forms
Portfolio, Section 7, "S-Series Sample Forms".
III. EZ Rater - We are almost finished with the loading and publication of EZ
Raters for your use in rating new and renewal business. The EZ Raters will
include the new contractor classes attached to this Penn-Amerigram. You
should receive your copy of the EZ Raters on or about December 1st. In the
meantime, you can rate these risks using current ISO loss costs and our
loss cost multipliers published in your State.
IV. Future Developments - We will add the new Contractor Guidelines, the
Contractor Application and the new exclusionary endorsement to the next
Agency Manual change.
V. Questions/Comments
A. If you have any underwriting, coverage or product questions, please
contact your underwriter.
B. To receive a block of pre-assigned PAC policy numbers, contact: ▇▇▇▇▇▇
▇▇▇▇▇▇▇ by phone: (▇▇▇) ▇▇▇-▇▇▇▇, fax: (800) --- ▇▇▇-▇▇▇▇, or email:
▇▇▇▇▇▇▇@▇▇▇▇-▇▇▇▇▇▇▇.▇▇▇.
C. For support in updating your electronic forms libraries (FormMaker and
others), contact your Senior Analyst - Marketing and Communications
Technology:
▇▇▇▇▇ ▇▇▇▇▇▇▇ phone: ▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇▇▇@▇▇▇▇-▇▇▇▇▇▇▇.▇▇▇
▇▇▇▇▇ ▇▇▇▇▇ phone: ▇▇▇-▇▇▇-▇▇▇▇ ▇▇▇▇▇@▇▇▇▇-▇▇▇▇▇▇▇.▇▇▇
-------------------------------
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇, ▇▇.
Vice President - Underwriting
CONTRACTING RISKS - UNDERWRITING GUIDELINES
A. LINE OF BUSINESS
----------------
General Liability
o Premises/Operations
o Products/Completed Operations
B. STATE GRADES
------------
We have assigned a grade of High Hazard (HH) or Low Hazard (LH) to each state.
In those states where we know the legal climate promotes construction defect
claims, we have assigned a grade of HH.
The High Hazard states are:
-------------------------- ----------------------- ----------------------
Arizona Nevada Washington
-------------------------- ----------------------- ----------------------
California Oregon New York
-------------------------- ----------------------- ----------------------
Colorado Texas
-------------------------- ----------------------- ----------------------
All other states are "Low Hazard". We will now write contractors subject to the
guidelines that follow.
C. ELIGIBLE CLASSES
----------------
You may bind contractors as shown on the two tables attached:
o "Eligible E-Z Rater Artisan-Contractors Classes - `Low' Hazard States"
o "Eligible and Prohibited Contractors Classes - `High' Hazard States"
D. LIMITS OF INSURANCE
-------------------
Under the General Liability Program, you can bind up to $1 million each
occurrence, $2 million general aggregate and $2 million products aggregate.
Under the Umbrella Program, you can bind up to $2 million each occurrence, $2
million general aggregate and $2 million products aggregate.
Under the Increased Limits Program, you can bind up to $3 million each
occurrence, $3 million general aggregate and $3 million products aggregate.
Maximum binding authority limits of all coverage layers written with
Penn-America - primary, excess (including our Increased General Liability Limits
Program) and umbrella - cannot exceed $3 million per occurrence/$3 million
general aggregate.
E. PROPERTY DAMAGE LIABILITY DEDUCTIBLE
------------------------------------
Minimum deductible is $500 per occurrence.
1
F. UNDERWRITING ELIGIBILITY
------------------------
o For contractors who do framing: no more than five homes per year. o
Maximum sales cannot exceed $1 million per year. o Contractors cannot
subcontract out more than 25% of their work. o Contractors performing
commercial jobs.
o Contractors performing work on custom-built homes or "spec" homes
(built without a contracted buyer). o Contractor must have a minimum
of three years in business or three years experience in the trade
being insured.
G. SUBMIT TO BINDING UNIT
----------------------
o Contractors with sales over $1 million.
o Contractors with annual premium (at "manual") over $15,000 and up to
$25,000.
o Contractors with two or more losses in the last three years, or one
loss over $5,000 in the last three years.
o New ventures with less than three years experience in the trade being
insured.
o Risks working on buildings over three stories. o Any exception to the
program guidelines.
H. SUBMIT TO SUBMIT UNIT
---------------------
o All contractor classes identified as "SS" in Section 3 -
Classification Authority Table - of the Agency Manual (and also on the
attached lists).
o Contractors with annual premium (at "manual") over $25,000.
I. PROHIBITED
----------
o All contractor classes identified as "P" in Section 3 - Classification
Authority Table - of the Agency Manual (and also on the attached
lists).
o New ventures with no prior experience.
o Construction Managers, Executive Supervisors, Paper Contractors and
Real Estate Developers.
o Carpenters framing-up more than five homes per year.
o Contractors with sales in excess of $2.5 million.
o Contractors working on condominium, townhouse, row house or tract home
projects.
o Contractors who subcontract out more than 25% of their work.
o Requests to show a general contractor as additional insured, when the
project is a condominium, townhouse, row house or tract home project.
o Requests for Blanket Additional Insured Endorsement.
2
J. BINDING AUTHORITY - UNDERWRITING REQUIREMENTS
---------------------------------------------
o All new policies must be written in the Surplus Lines (non-admitted)
carrier approved in your state. Check your State Exception Pages for
the surplus lines company in your state.
o Use the same policy number on renewal.
o Premiums are "minimum and deposit" with a 50% minimum earned on
cancellation, 100% earned on audit (attach S1003, Minimum and
Deposit).
o Insured must complete and sign a Penn-America Contractors'
Application. See attached Contractor Application Form [PA01-416
(11/01)].
o Order inspection reports on all accounts (except for one-man
operations). We must receive them within 45 says of inception.
o We will audit all contractors annually to verify sales, payroll,
classes and exposures.
o All requests for "additional insured" (AI) endorsements must be
documented, defining the relationship of the AI to the named insured
and the particular job being performed. Review all AI requests before
adding them to the policy. Use Additional Insured - Owners, Lessees or
Contractors - Scheduled Person or Organization, CG 20 10 03 97 - do
not use an earlier edition date.
o Any amendment in the wording on an AI endorsement must be submitted
and approved by us in advance.
o Submit in advance any requests for amendment of wording on
Certificates of Insurance.
o Get certificates of insurance verifying equal limits to our policy
from all subcontractors. Our insured should be added as an additional
insured on any subcontractor's policy.
K. PRICING
-------
Use the rates published in the Surplus Lines E-Z Rater as the minimum rate. For
those contractors classes not listed in the E-Z Rater, use current ISO loss
costs and our published Loss Cost Multiplier for our Surplus Lines carrier.
If otherwise acceptable, risks with prior losses (one loss up to $5,000
incurred) are to be surcharged a minimum of 10%.
3
L. REQUIRED FORMS AND ENDORSEMENTS
-------------------------------
CG0057 Amendment of Insuring Agreement - Known Injury or Damage
S2006 Independent Contractors Conditional Endorsement
S2041 Classification Limitation Endorsement
S2047 Exclusion - Property Damage Claims in Progress
S2066 Exclusion - Injury to Employee or Independent Contractor
S2067 Exclusion - EIFS Exclusion
S2068 Mold Exclusion
S2070 Exclusion - Tract Homes, Condominiums and Townhouses
M. PROHIBITED ENDORSEMENTS
-----------------------
CG2404 Waiver or Transfer of Rights of Recovery Against Others to Us
S2056 Blanket Additional Insured Endorsement
S2057 Additional Insured - Primary Coverage
4
ELIGIBLE AND PROHIBITED CONTRACTORS CLASSES - "HIGH" HAZARD STATES
( All Contractors Classes not listed are PROHIBITED also)
"High" Hazard States are:
--------------------------------------------------------------------------------
Arizona Nevada Texas
--------------------------------------------------------------------------------
California Oregon Washington
--------------------------------------------------------------------------------
Colorado New York
---------------------------------------------------------------
B=Binding Authority SB=Submit to Binding Authority Underwriter SS=Submit to edbmit Unit P=Prohibited
11/01/01 + = Products Included
Binding Authority
--------------------------
ISO Class CLASS DEFINITION Prem Prods Underwriting Comments
Code Ops
===============================================================================================================================
90089 ADVERTISING SIGN CO OUTDOOR B +
-------------------------------------------------------------------------------------------------------------------------------
91111 AIR CONDITIONING INSTAL/SERV/REP B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91127 ALARM/ALARM SYSTEM INST/SERV/REPAIR B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91135 ANALYTICAL CHEMISTS SS P
-------------------------------------------------------------------------------------------------------------------------------
91150 APPLIANCE/ACCESS-INST/SERV/REPR/COMM B SS
-------------------------------------------------------------------------------------------------------------------------------
91155 APPLIANCE/ACCESS INST/SERV/REPR HOUSE B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91175 AUCTIONEER -LIVESTOCK AWAY FROM PREMISES SS +
-------------------------------------------------------------------------------------------------------------------------------
91177 AUCTIONEER SALES AWAY FROM PREMISE SS +
-------------------------------------------------------------------------------------------------------------------------------
91179 AUCTION-ON PREMISES OWN RENT INS B +
-------------------------------------------------------------------------------------------------------------------------------
91190 AUTOMOBILE DISMANTLING SS SS
-------------------------------------------------------------------------------------------------------------------------------
91200 BLACKSMITHING B +
-------------------------------------------------------------------------------------------------------------------------------
91315 CABLE/SUBSCRIPTION TV COMPANIES B +
-------------------------------------------------------------------------------------------------------------------------------
91340 CARPENTRY - RESIDENTIAL P P
-------------------------------------------------------------------------------------------------------------------------------
91341 CARPENTRY - INTERIOR P P
-------------------------------------------------------------------------------------------------------------------------------
91342 CARPENTRY, NOC P P
-------------------------------------------------------------------------------------------------------------------------------
91343 CARPENTRY - SHOP ONLY P P
-------------------------------------------------------------------------------------------------------------------------------
91405 CARPET RUG FURNITURE UPHOLSTERY CLEAN B + Yes
-------------------------------------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------------------------------------------------
91436 CEILING OR WALL INSTALLATION - METAL B B Yes
-------------------------------------------------------------------------------------------------------------------------------
-------------------------------------------------------------------------------------------------------------------------------
91481 CHIMNEY CLEANING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
91523 CLEANING - OUTSIDE SURFACE BLDG B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91547 COMMISSARY WORK B +
-------------------------------------------------------------------------------------------------------------------------------
91551 COMMUNICATION EQUIPMENT INSTALL SS SS
-------------------------------------------------------------------------------------------------------------------------------
91555 COMPUTER SERVICE OR REPAIR B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91560 CONCRETE CONSTRUCTION P P
-------------------------------------------------------------------------------------------------------------------------------
91577 CONDUIT CONSTRUCTION FOR CABLE B B
-------------------------------------------------------------------------------------------------------------------------------
94444 CONTRACTORS, NOC P P
-------------------------------------------------------------------------------------------------------------------------------
91580 CONTRACTORS, EXEC. SUPV. (GEN. CONTRS.) P P
-------------------------------------------------------------------------------------------------------------------------------
91583 CONTRACTORS - SUB-WORK, 1, 2 FAM DWGS B B
-------------------------------------------------------------------------------------------------------------------------------
91581 CONTRACTORS - SUB-WORK, ▇▇▇ ▇▇▇▇▇ ▇ ▇
-------------------------------------------------------------------------------------------------------------------------------
▇▇▇▇▇ CONTRACTORS - SUB-WORK, INDUSTRIAL SS SS
-------------------------------------------------------------------------------------------------------------------------------
91585 CONTRACTORS - SUB-WORK, BUILDINGS B B Yes
-------------------------------------------------------------------------------------------------------------------------------
91589 CONTRACTORS STREET HWY CONSTRUCT SS SS
-------------------------------------------------------------------------------------------------------------------------------
91590 CONTRACTORS PERMANENT YARDS B +
-------------------------------------------------------------------------------------------------------------------------------
91629 DEBRIS REMOVAL, CONSTRUCTION SITE B B
-------------------------------------------------------------------------------------------------------------------------------
52134 DOOR OR WINDOW MANUFACTURING P P
-------------------------------------------------------------------------------------------------------------------------------
52315 DOOR OR WINDOW MFG - WOOD P P
-------------------------------------------------------------------------------------------------------------------------------
91746 DOOR OR WINDOW INSTALLATION (METAL) P P
-------------------------------------------------------------------------------------------------------------------------------
92102 DRILLING WATER SS SS
-------------------------------------------------------------------------------------------------------------------------------
92215 DRIVEWAY, PARKING LOT, SIDEWALK PAVING P P
-------------------------------------------------------------------------------------------------------------------------------
92338 DRY WALL OR WALL BOARD INSULATION P P
-------------------------------------------------------------------------------------------------------------------------------
92451 ELECTRICAL APPARATUS INSTALL, SVC. REP. B SS
-------------------------------------------------------------------------------------------------------------------------------
92478 ELECTRICAL WORK WITHIN BUILDING B B Yes
-------------------------------------------------------------------------------------------------------------------------------
92663 ENGINEERS & ARCHITECTS SS +
-------------------------------------------------------------------------------------------------------------------------------
94007 EXCAVATION P P
-------------------------------------------------------------------------------------------------------------------------------
94099 EXPRESS COMPANIES B +
-------------------------------------------------------------------------------------------------------------------------------
94276 FENCE ERECTION CONTRACTORS B B Yes
-------------------------------------------------------------------------------------------------------------------------------
94304 FIRE EXTINGUISHER SERV REFILL TESTING SS SS
-------------------------------------------------------------------------------------------------------------------------------
94381 FIRE SUPPRESSIONS SYSTEMS SS SS
-------------------------------------------------------------------------------------------------------------------------------
94569 FLOOR COVER INSTALLATION, NOT CERAMIC B B Yes
-------------------------------------------------------------------------------------------------------------------------------
94590 FLOOR WAXING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
94617 FREIGHT FORWARDER, HANDLER NOC SS +
-------------------------------------------------------------------------------------------------------------------------------
95124 FURNITURE, FIXTURES INSTALL. (METAL, WOOD) B B
-------------------------------------------------------------------------------------------------------------------------------
95233 GARBAGE, ASH, REFUSE COLLECTING SS +
-------------------------------------------------------------------------------------------------------------------------------
13590 GLAZIERS & GLASS DEALERS P P
-------------------------------------------------------------------------------------------------------------------------------
95410 GRADING OF LAND P P
-------------------------------------------------------------------------------------------------------------------------------
95487 GREENHOUSE ERECTION B B
-------------------------------------------------------------------------------------------------------------------------------
95505 GUNITING OR SHOT-CRETE SS SS
-------------------------------------------------------------------------------------------------------------------------------
95625 HANDYMEN B B Yes
-------------------------------------------------------------------------------------------------------------------------------
95647 HEATING AIR/COND SYS EQUIP (NO LP GAS) B B Yes
-------------------------------------------------------------------------------------------------------------------------------
95648 HEATING AIR/CONDITIONING SYSTEM EQUIP SS SS
-------------------------------------------------------------------------------------------------------------------------------
96053 HOUSE FURNISHING INSTALLATION NOC B B Yes
-------------------------------------------------------------------------------------------------------------------------------
96317 INSPECTION APPRAISAL COS (VALUATION) SS +
-------------------------------------------------------------------------------------------------------------------------------
96410 INSULATION WORK - MINERAL SS SS
-------------------------------------------------------------------------------------------------------------------------------
96409 INSULATION WORK - PLASTIC OR ORGANIC (SOLID) SS SS
-------------------------------------------------------------------------------------------------------------------------------
96611 INTERIOR DECORATORS B B Yes
-------------------------------------------------------------------------------------------------------------------------------
96816 JANITORIAL SERVICES B + Yes
-------------------------------------------------------------------------------------------------------------------------------
97002 LABS, RESEARCH DEVELOP TEST PRF SS SS
-------------------------------------------------------------------------------------------------------------------------------
97003 LABS, RESEARCH DEVELOP TEST N/PRF SS SS
-------------------------------------------------------------------------------------------------------------------------------
97047 LANDSCAPE GARDENING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
97050 LAWN CARE B + Yes
-------------------------------------------------------------------------------------------------------------------------------
97111 LOGGING AND LUMBERING SS +
-------------------------------------------------------------------------------------------------------------------------------
97220 MACHINE SHOPS NOC B SS
-------------------------------------------------------------------------------------------------------------------------------
97221 MACHINE EQUIPMENT FARM INSTALL ETC SS SS
-------------------------------------------------------------------------------------------------------------------------------
97222 MACHINE EQUIPMENT INDUSTRIAL SS SS
-------------------------------------------------------------------------------------------------------------------------------
97223 MACHINE EQUIPMENT INSTALL NOC SS SS
-------------------------------------------------------------------------------------------------------------------------------
97447 MASONRY P P
-------------------------------------------------------------------------------------------------------------------------------
97650 METAL ERECTION DECORATVE ARTIST B B Yes
-------------------------------------------------------------------------------------------------------------------------------
97651 METAL ERECTION - FRAME IRONWORK OUTSIDE P P
-------------------------------------------------------------------------------------------------------------------------------
97652 METAL ERECTION DWELLINGS UP TO 2 ▇▇▇▇. P P
-------------------------------------------------------------------------------------------------------------------------------
97653 METAL ERECTION - NON-STRUCTURAL P P
-------------------------------------------------------------------------------------------------------------------------------
97655 METAL ERECTION - STRUCTURAL P P
-------------------------------------------------------------------------------------------------------------------------------
98090 MOTION PICTURE DEVELOP PRINTING B +
-------------------------------------------------------------------------------------------------------------------------------
98091 MOTION PICTURE DISTRIB EXCHANGE B +
-------------------------------------------------------------------------------------------------------------------------------
98111 OFFICE MACHINE APPLIANCE REPAIR B + Yes
-------------------------------------------------------------------------------------------------------------------------------
98257 ORCHARD VINEYARD RUN BY CONTRACTOR SS +
-------------------------------------------------------------------------------------------------------------------------------
98303 PAINTING EXTERIOR >3 STORIES SS SS
-------------------------------------------------------------------------------------------------------------------------------
98304 PAINTING EXTERIOR UP TO 3 STORIES B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98305 PAINTING INTERIOR B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98308 PAINTING SHOP ONLY B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98344 PAPERHANGING B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98405 PIANO TUNING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
98449 PLASTERING OR STUCCO WORK P B
-------------------------------------------------------------------------------------------------------------------------------
98482 PLUMBING COMMERCIAL, INDUSTRIAL B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98483 PLUMBING RESIDENTIAL, DOMESTIC P P
-------------------------------------------------------------------------------------------------------------------------------
98502 PREFAB BUILDING ERECTION P P
-------------------------------------------------------------------------------------------------------------------------------
98597 RADIO OR TV BROADCASTING PROFIT B +
-------------------------------------------------------------------------------------------------------------------------------
98598 RADIO TV BROADCASTING NOT PROF B +
-------------------------------------------------------------------------------------------------------------------------------
98636 REFRIGERATION SYSTEM EQUIP INSTALL ETC B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98640 RENOVATING OUTSIDE SURFACES OF BLDGS B + Yes
-------------------------------------------------------------------------------------------------------------------------------
98658 RIGGING SS +
-------------------------------------------------------------------------------------------------------------------------------
98677 ROOFING - COMMERCIAL P P
-------------------------------------------------------------------------------------------------------------------------------
98678 ROOFING - RESIDENTIAL P P
-------------------------------------------------------------------------------------------------------------------------------
98698 SALVAGE OPERATIONS NOC SS SS
-------------------------------------------------------------------------------------------------------------------------------
98699 SALVAGE OPERATE REMOVAL ETC SS SS
-------------------------------------------------------------------------------------------------------------------------------
98705 SANDBLASTING SS +
-------------------------------------------------------------------------------------------------------------------------------
98710 SAND OR GRAVEL DIGGING SS +
-------------------------------------------------------------------------------------------------------------------------------
98805 SEPTIC TANK SYSTEMS CLEANING B B Yes
-------------------------------------------------------------------------------------------------------------------------------
98806 SEPTIC TANK SYSTEMS INSTAL, SVC. REP. B B
-------------------------------------------------------------------------------------------------------------------------------
98813 SEWER CLEANING SS SS
-------------------------------------------------------------------------------------------------------------------------------
98820 SEWER MAINS OR CONNECTIONS CONSTR. B B
-------------------------------------------------------------------------------------------------------------------------------
98884 SHEET METAL WORK - OUTSIDE P P
-------------------------------------------------------------------------------------------------------------------------------
98967 SIDING INSTALLATION P P
-------------------------------------------------------------------------------------------------------------------------------
98993 SIGN ERECTION INSTALL REPAIR B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99003 SIGN PAINTING, LETTERING INSIDE BLDG B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99004 SIGN PAINTING, LETTERING BLDG, STRUCTURE B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99303 SNOW REMOVAL, PARKING LOT & DRIVEWAY B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99321 STREET, ROAD PAVING REPAVING ETC. SS SS
-------------------------------------------------------------------------------------------------------------------------------
99471 SURVEYING - LAND (NO CONSTRUCTION) B B
-------------------------------------------------------------------------------------------------------------------------------
99505 SWIMMING POOL SERVICING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
99506 SWIM POOL INSTALL SERV REPAIR SS +
-------------------------------------------------------------------------------------------------------------------------------
99507 SWIM POOL INSTALL SERV BELOW GR SS +
-------------------------------------------------------------------------------------------------------------------------------
99600 TELECOMMUNICATION SERVICE PROVIDER SS +
-------------------------------------------------------------------------------------------------------------------------------
99613 TELEPHONE/ CABLE TV LINE CONSTRUCTION B B
-------------------------------------------------------------------------------------------------------------------------------
99620 TELEPRODUCTION STUDIOS B +
-------------------------------------------------------------------------------------------------------------------------------
99650 TV RADIO RECEIVING SET INSTALLING B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99709 TENT OR CANVAS GOODS-ERECTION B B
-------------------------------------------------------------------------------------------------------------------------------
99718 THEATRICAL COMPANIES SS +
-------------------------------------------------------------------------------------------------------------------------------
99746 TILE, STONE, MARBLE, TERRAZO, MOSAIC WORK B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99777 TREE PRUNING, DUSTING, SPRAYING ETC B + Yes
-------------------------------------------------------------------------------------------------------------------------------
99793 TRUCKERS B +
-------------------------------------------------------------------------------------------------------------------------------
99826 UPHOLSTERING NOC B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99827 UPHOLSTERING SHOP ONLY B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99851 VETERINARIAN VETERINARY HOSP B +
-------------------------------------------------------------------------------------------------------------------------------
99917 WAREHOUSE COLD STORAGE PUBLIC B +
-------------------------------------------------------------------------------------------------------------------------------
99938 WAREHOUSES NOC B +
-------------------------------------------------------------------------------------------------------------------------------
99946 WATER MAIN CONNECTION CONSTRUCTION B B
-------------------------------------------------------------------------------------------------------------------------------
99948 WATER SOFTENING EQUIPMENT INSTALLING B B Yes
-------------------------------------------------------------------------------------------------------------------------------
99969 WELDING, CUTTING B SS
-------------------------------------------------------------------------------------------------------------------------------
99952 WATERPROOFING - PRESSURE APPARATUS B B
-------------------------------------------------------------------------------------------------------------------------------
99953 WATERPROOFING - TROWEL, EXTERIOR SS SS
-------------------------------------------------------------------------------------------------------------------------------
99954 WATERPROOFING - TROWEL, INTERIOR SS SS
-------------------------------------------------------------------------------------------------------------------------------
99955 WATERPROOFING, NOC B B
-------------------------------------------------------------------------------------------------------------------------------
99975 WINDOW CLEANING B + Yes
-------------------------------------------------------------------------------------------------------------------------------
91342 WINDOW INSTALLATION - WOOD (CARPENTRY) B B
-------------------------------------------------------------------------------------------------------------------------------
▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇ +
-------------------------------------------------------------------------------------------------------------------------------
99987 WRECKING NOT EXCEED 3 STORIES B +
-------------------------------------------------------------------------------------------------------------------------------
ELIGIBLE AND PROHIBITED CONTRACTORS CLASSES - "LOW" HAZARD STATES
( All Contractors Classes not listed are PROHIBITED also)
B=Binding Authority SB=Submit to Binding Authority Underwriter SS=Submit to Submed Unit P=Prohibited
11/01/01 + = Products Included
Binding Authority
--------------------------
ISO Class CLASS DEFINITION Prem Prods E-Z Underwriting Comments
Code Ops Rater
====================================================================================================================================
90089 ADVERTISING SIGN CO OUTDOOR B +
------------------------------------------------------------------------------------------------------------------------------------
91111 AIR CONDITIONING INSTAL/SERV/REP B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91127 ALARM/ALARM SYSTEM INST/SERV/REPAIR B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91135 ANALYTICAL CHEMISTS SS P
------------------------------------------------------------------------------------------------------------------------------------
91150 APPLIANCE/ACCESS-INST/SERV/REPR/COMM B SS
------------------------------------------------------------------------------------------------------------------------------------
91155 APPLIANCE/ACCESS INST/SERV/REPR HOUSE B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91175 AUCTIONEER -LIVESTOCK AWAY FROM PREMISES SS +
------------------------------------------------------------------------------------------------------------------------------------
91177 AUCTIONEER SALES AWAY FROM PREMISE SB +
------------------------------------------------------------------------------------------------------------------------------------
91179 AUCTION-ON PREMISES OWN RENT INS B +
------------------------------------------------------------------------------------------------------------------------------------
91190 AUTOMOBILE DISMANTLING SS SS
------------------------------------------------------------------------------------------------------------------------------------
91200 BLACKSMITHING B +
------------------------------------------------------------------------------------------------------------------------------------
91315 CABLE/SUBSCRIPTION TV COMPANIES B +
------------------------------------------------------------------------------------------------------------------------------------
91340 CARPENTRY - RESIDENTIAL B B Yes Max # houses "framed":
5 per year
------------------------------------------------------------------------------------------------------------------------------------
91341 CARPENTRY - INTERIOR B B Yes Max # houses "framed":
5 per year
------------------------------------------------------------------------------------------------------------------------------------
91342 CARPENTRY, NOC B B Yes Max # houses "framed":
5 per year
------------------------------------------------------------------------------------------------------------------------------------
91343 CARPENTRY - SHOP ONLY B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91405 CARPET RUG FURNITURE UPHOLSTERY CLEAN B + Yes
------------------------------------------------------------------------------------------------------------------------------------
91436 CEILING OR WALL INSTALLATION - METAL B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91481 CHIMNEY CLEANING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
91523 CLEANING - OUTSIDE SURFACE BLDG B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91547 COMMISSARY WORK B +
------------------------------------------------------------------------------------------------------------------------------------
91551 COMMUNICATION EQUIPMENT INSTALL SS SS
------------------------------------------------------------------------------------------------------------------------------------
91555 COMPUTER SERVICE OR REPAIR B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91560 CONCRETE CONSTRUCTION B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91577 CONDUIT CONSTRUCTION FOR CABLE B B
------------------------------------------------------------------------------------------------------------------------------------
94444 CONTRACTORS, NOC SS SS
------------------------------------------------------------------------------------------------------------------------------------
91580 CONTRACTORS, EXEC. SUPV. (GEN. CONTRS.) SS SS Residential Construction
Prohibited
------------------------------------------------------------------------------------------------------------------------------------
91583 CONTRACTORS - SUB-WORK, 1, 2 FAM DWGS B B
------------------------------------------------------------------------------------------------------------------------------------
91581 CONTRACTORS - SUB-WORK, ▇▇▇ ▇▇▇▇▇ ▇ ▇
------------------------------------------------------------------------------------------------------------------------------------
▇▇▇▇▇ CONTRACTORS - SUB-WORK, INDUSTRIAL SS SS
------------------------------------------------------------------------------------------------------------------------------------
91585 CONTRACTORS - SUB-WORK, BUILDINGS B B Yes
------------------------------------------------------------------------------------------------------------------------------------
91589 CONTRACTORS STREET HWY CONSTRUCT SS SS
------------------------------------------------------------------------------------------------------------------------------------
91590 CONTRACTORS PERMANENT YARDS B +
------------------------------------------------------------------------------------------------------------------------------------
91629 DEBRIS REMOVAL, CONSTRUCTION SITE B B
------------------------------------------------------------------------------------------------------------------------------------
52134 DOOR OR WINDOW MANUFACTURING B B
------------------------------------------------------------------------------------------------------------------------------------
52315 DOOR OR WINDOW MFG - WOOD B B
------------------------------------------------------------------------------------------------------------------------------------
91746 DOOR OR WINDOW INSTALLATION (METAL) B B
------------------------------------------------------------------------------------------------------------------------------------
92102 DRILLING WATER SS SS
------------------------------------------------------------------------------------------------------------------------------------
92215 DRIVEWAY, PARKING LOT, SIDEWALK PAVING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
92338 DRY WALL OR WALL BOARD INSULATION B B Yes
------------------------------------------------------------------------------------------------------------------------------------
92451 ELECTRICAL APPARATUS INSTALL, SVC. REP. B SS
------------------------------------------------------------------------------------------------------------------------------------
92478 ELECTRICAL WORK WITHIN BUILDING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
92663 ENGINEERS & ARCHITECTS SS +
------------------------------------------------------------------------------------------------------------------------------------
94007 EXCAVATION B B Yes
------------------------------------------------------------------------------------------------------------------------------------
94099 EXPRESS COMPANIES B +
------------------------------------------------------------------------------------------------------------------------------------
94276 FENCE ERECTION CONTRACTORS B B Yes
------------------------------------------------------------------------------------------------------------------------------------
94304 FIRE EXTINGUISHER SERV REFILL TESTING SS SS
------------------------------------------------------------------------------------------------------------------------------------
94381 FIRE SUPPRESSIONS SYSTEMS SS SS
------------------------------------------------------------------------------------------------------------------------------------
94569 FLOOR COVER INSTALLATION, NOT CERAMIC B B Yes
------------------------------------------------------------------------------------------------------------------------------------
94590 FLOOR WAXING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
94617 FREIGHT FORWARDER, HANDLER NOC SB +
------------------------------------------------------------------------------------------------------------------------------------
95124 FURNITURE, FIXTURES INSTALL. (METAL, WOOD) B B
------------------------------------------------------------------------------------------------------------------------------------
95233 GARBAGE, ASH, REFUSE COLLECTING SS +
------------------------------------------------------------------------------------------------------------------------------------
13590 GLAZIERS & GLASS DEALERS B B Yes
------------------------------------------------------------------------------------------------------------------------------------
95410 GRADING OF LAND B B Yes
------------------------------------------------------------------------------------------------------------------------------------
95487 GREENHOUSE ERECTION B B
------------------------------------------------------------------------------------------------------------------------------------
95505 GUNITING OR SHOT-CRETE SS SS
------------------------------------------------------------------------------------------------------------------------------------
95625 HANDYMEN B B Yes
------------------------------------------------------------------------------------------------------------------------------------
95647 HEATING AIR/COND SYS EQUIP (NO LP GAS) B B Yes
------------------------------------------------------------------------------------------------------------------------------------
95648 HEATING AIR/CONDITIONING SYSTEM EQUIP SS SS
------------------------------------------------------------------------------------------------------------------------------------
96053 HOUSE FURNISHING INSTALLATION NOC B B Yes
------------------------------------------------------------------------------------------------------------------------------------
96317 INSPECTION APPRAISAL COS (VALUATION) SS +
------------------------------------------------------------------------------------------------------------------------------------
96410 INSULATION WORK - MINERAL SS SS
------------------------------------------------------------------------------------------------------------------------------------
96409 INSULATION WORK - PLASTIC OR ORGANIC (SOLID) SS SS
------------------------------------------------------------------------------------------------------------------------------------
96611 INTERIOR DECORATORS B B Yes
------------------------------------------------------------------------------------------------------------------------------------
96816 JANITORIAL SERVICES B + Yes
------------------------------------------------------------------------------------------------------------------------------------
97002 LABS, RESEARCH DEVELOP TEST PRF SS SS
------------------------------------------------------------------------------------------------------------------------------------
97003 LABS, RESEARCH DEVELOP TEST N/PRF SS SS
------------------------------------------------------------------------------------------------------------------------------------
97047 LANDSCAPE GARDENING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
97050 LAWN CARE B + Yes
------------------------------------------------------------------------------------------------------------------------------------
97111 LOGGING AND LUMBERING SS +
------------------------------------------------------------------------------------------------------------------------------------
97220 MACHINE SHOPS NOC B SS
------------------------------------------------------------------------------------------------------------------------------------
97221 MACHINE EQUIPMENT FARM INSTALL ETC SS SS
------------------------------------------------------------------------------------------------------------------------------------
97222 MACHINE EQUIPMENT INDUSTRIAL SS SS
------------------------------------------------------------------------------------------------------------------------------------
97223 MACHINE EQUIPMENT INSTALL NOC SS SS
------------------------------------------------------------------------------------------------------------------------------------
97447 MASONRY B B Yes
------------------------------------------------------------------------------------------------------------------------------------
97650 METAL ERECTION DECORATVE ARTIST B B Yes
------------------------------------------------------------------------------------------------------------------------------------
97651 METAL ERECTION - FRAME IRONWORK OUTSIDE SS SS
------------------------------------------------------------------------------------------------------------------------------------
97652 METAL ERECTION DWELLINGS UP TO 2 ▇▇▇▇. SS SS
------------------------------------------------------------------------------------------------------------------------------------
97653 METAL ERECTION - NON-STRUCTURAL SS SS
------------------------------------------------------------------------------------------------------------------------------------
97655 METAL ERECTION - STRUCTURAL SS SS
------------------------------------------------------------------------------------------------------------------------------------
98090 MOTION PICTURE DEVELOP PRINTING B +
------------------------------------------------------------------------------------------------------------------------------------
98091 MOTION PICTURE DISTRIB EXCHANGE B +
------------------------------------------------------------------------------------------------------------------------------------
98111 OFFICE MACHINE APPLIANCE REPAIR B + Yes
------------------------------------------------------------------------------------------------------------------------------------
98257 ORCHARD VINEYARD RUN BY CONTRACTOR SS +
------------------------------------------------------------------------------------------------------------------------------------
98303 PAINTING EXTERIOR >3 STORIES B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98304 PAINTING EXTERIOR UP TO 3 STORIES B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98305 PAINTING INTERIOR B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98308 PAINTING SHOP ONLY B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98344 PAPERHANGING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98405 PIANO TUNING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
98449 PLASTERING OR STUCCO WORK B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98482 PLUMBING COMMERCIAL, INDUSTRIAL B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98483 PLUMBING RESIDENTIAL, DOMESTIC B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98502 PREFAB BUILDING ERECTION B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98597 RADIO OR TV BROADCASTING PROFIT B +
------------------------------------------------------------------------------------------------------------------------------------
98598 RADIO TV BROADCASTING NOT PROF B +
------------------------------------------------------------------------------------------------------------------------------------
98636 REFRIGERATION SYSTEM EQUIP INSTALL ETC B B Yes
------------------------------------------------------------------------------------------------------------------------------------
47051 REAL ESTATE DEVELOPERS P P
------------------------------------------------------------------------------------------------------------------------------------
98640 RENOVATING OUTSIDE SURFACES OF BLDGS B + Yes
------------------------------------------------------------------------------------------------------------------------------------
98658 RIGGING SS +
------------------------------------------------------------------------------------------------------------------------------------
98677 ROOFING - COMMERCIAL P P
------------------------------------------------------------------------------------------------------------------------------------
98678 ROOFING - RESIDENTIAL P P
------------------------------------------------------------------------------------------------------------------------------------
98698 SALVAGE OPERATIONS NOC SS SS
------------------------------------------------------------------------------------------------------------------------------------
98699 SALVAGE OPERATE REMOVAL ETC SS SS
------------------------------------------------------------------------------------------------------------------------------------
98705 SANDBLASTING SB +
------------------------------------------------------------------------------------------------------------------------------------
98710 SAND OR GRAVEL DIGGING SB +
------------------------------------------------------------------------------------------------------------------------------------
98805 SEPTIC TANK SYSTEMS CLEANING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98806 SEPTIC TANK SYSTEMS INSTAL, SVC. REP. B B
------------------------------------------------------------------------------------------------------------------------------------
98813 SEWER CLEANING SS SS
------------------------------------------------------------------------------------------------------------------------------------
98820 SEWER MAINS OR CONNECTIONS CONSTR. B B
------------------------------------------------------------------------------------------------------------------------------------
98884 SHEET METAL WORK - OUTSIDE B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98967 SIDING INSTALLATION B B Yes
------------------------------------------------------------------------------------------------------------------------------------
98993 SIGN ERECTION INSTALL REPAIR B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99003 SIGN PAINTING, LETTERING INSIDE BLDG B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99004 SIGN PAINTING, LETTERING BLDG, STRUCTURE B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99303 SNOW REMOVAL, PARKING LOT & DRIVEWAY B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99321 STREET, ROAD PAVING REPAVING ETC. SS SS
------------------------------------------------------------------------------------------------------------------------------------
99471 SURVEYING - LAND (NO CONSTRUCTION) B B
------------------------------------------------------------------------------------------------------------------------------------
99505 SWIMMING POOL SERVICING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
99506 SWIM POOL INSTALL SERV REPAIR SS +
------------------------------------------------------------------------------------------------------------------------------------
99507 SWIM POOL INSTALL SERV BELOW GR SS +
------------------------------------------------------------------------------------------------------------------------------------
99600 TELECOMMUNICATION SERVICE PROVIDER SS +
------------------------------------------------------------------------------------------------------------------------------------
99613 TELEPHONE/ CABLE TV LINE CONSTRUCTION B B
------------------------------------------------------------------------------------------------------------------------------------
99620 TELEPRODUCTION STUDIOS B +
------------------------------------------------------------------------------------------------------------------------------------
99650 TV RADIO RECEIVING SET INSTALLING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99709 TENT OR CANVAS GOODS-ERECTION B B
------------------------------------------------------------------------------------------------------------------------------------
99718 THEATRICAL COMPANIES SB +
------------------------------------------------------------------------------------------------------------------------------------
99746 TILE, STONE, MARBLE, TERRAZO, MOSAIC WORK B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99777 TREE PRUNING, DUSTING, SPRAYING ETC B + Yes
------------------------------------------------------------------------------------------------------------------------------------
99793 TRUCKERS B +
------------------------------------------------------------------------------------------------------------------------------------
99826 UPHOLSTERING NOC B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99827 UPHOLSTERING SHOP ONLY B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99851 VETERINARIAN VETERINARY HOSP B +
------------------------------------------------------------------------------------------------------------------------------------
99917 WAREHOUSE COLD STORAGE PUBLIC B +
------------------------------------------------------------------------------------------------------------------------------------
99938 WAREHOUSES NOC B +
------------------------------------------------------------------------------------------------------------------------------------
99946 WATER MAIN CONNECTION CONSTRUCTION B B
------------------------------------------------------------------------------------------------------------------------------------
99948 WATER SOFTENING EQUIPMENT INSTALLING B B Yes
------------------------------------------------------------------------------------------------------------------------------------
99969 WELDING, CUTTING B SS
------------------------------------------------------------------------------------------------------------------------------------
99952 WATERPROOFING - PRESSURE APPARATUS B B
------------------------------------------------------------------------------------------------------------------------------------
99953 WATERPROOFING - TROWEL, EXTERIOR SS SS
------------------------------------------------------------------------------------------------------------------------------------
99954 WATERPROOFING - TROWEL, INTERIOR SS SS
------------------------------------------------------------------------------------------------------------------------------------
99955 WATERPROOFING, NOC B B
------------------------------------------------------------------------------------------------------------------------------------
99975 WINDOW CLEANING B + Yes
------------------------------------------------------------------------------------------------------------------------------------
91342 WINDOW INSTALLATION - WOOD (CARPENTRY) B B
------------------------------------------------------------------------------------------------------------------------------------
▇▇▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇ +
------------------------------------------------------------------------------------------------------------------------------------
99987 WRECKING NOT EXCEED 3 STORIES B +
------------------------------------------------------------------------------------------------------------------------------------