Target Classes

Retail and Wholesale
Light Manufacturing
Real Estate
Professional Offices
Miscellaneous Classes

Retail and Wholesale

• Antique Stores (no item over $1,000; ACV only; no thrift stores)

• Appliances (including installation or repair)

• Army and Navy Stores (no military goods other than clothing; no second hand goods)

• Art Galleries or Studios (no item over $1,000)

• Artist Supplies/Arts and Crafts/Hobby

• Auto Parts and Supplies* (excluding installation
and repair)

• Bait and Tackle Shops

• Barber Shops and Beauty Parlors (excluding Professional Liability, tanning and threading)

• Beauty Supplies

• Beverage and Liquor Stores (soft drink, beer, wine and liquor)

• Blinds and Shades Stores

• Books and Magazines (no item over $1,000)

• Bridal Wear

• Building Materials (<10% inventory in lumber/wood)

• Camera and Photo Equipment/Film Developing

• Candy or Confectionery

• Car Audio (sales and installation)

• Carpets and Rugs (including installation)

• Cell Phones and Beepers (excluding theft)

• China and Glassware

• Clocks and Watch Sales and Service

• Clothing or Wearing Apparel* (men and women only;
no thrift stores)

• Collectibles or Memorabilia (no item over $1,000)

• Computer Stores

• Convenience Stores**

• Copy or Duplicating Services – retail

• Cosmetics, Toiletries and Perfumes – retail

• Dairy Products

• Drug Stores* (excluding Professional Liability)

• Dry Cleaners (petroleum or synthetic solvents; no fur storage; no Bailee or Transit Coverage)

• Electronics*

• Fabric Stores

• Feather Distributors ($250,000 max. property value)

• Florists

• Food Products Distributor (no cold storage or private labels)

• Food-Related Businesses** (i.e., Bakeries, Delis, Restaurants, etc.)

• Formal Wear or Costumes, rented to others

• Furniture (new only) and Office Furniture

• Garden Centers and Nurseries

• Gas Stations (excluding repair or garage operations)

• Gift Shops (no item over $1,000)

• Golf and Tennis Supplies (no lessons)

• Hardware (excluding tool/equipment rental)

• Janitorial Supplies

• Jewelry (excluding stock)

• Kitchen Cabinet Stores

• Leather Products*

• Lighting Stores

• Luggage

• Marine Supplies (no installation)

• Musical Instruments

• Newsstands

• Office Machines and Supplies

• Optical Goods Store

• Packing and Shipping – retail, drop locations only (i.e., Mailbox Etc.)

• Paint and Wallpaper

• Painting, Picture or Frame Stores (no item over $1,000)

• Party Supplies

• Photographers (on and off premises)

• Printers

• Record, CD and Pre-Recorded Music

• Refrigeration Equipment (including installation or repair)

• Religious Articles

• Restaurant Supplies

• Sheet Metal Distributors

• Shoe and Boot Repair Shops

• Stationery or Paper Products

• Tailors or Dressmaking

• Tattoo Parlors (excluding Prods/Comp Ops, PI, Advertising and Professional Liability)

• Tile and Floor Coverings (including installation except wood)

• TV, Radio (including repair shops)*

• Upholstery Shops

• Vacuum Cleaners

• Variety and $.99 Stores

• Video Stores

• Wigs

* Excluding theft unless they have an AA UL Certified Alarm
** If open flame cooking exists, see Restaurant section for further guidance

Light Manufacturing

• Automatic Vending Machine Manufacturing

• Blanket Manufacturing (no electric blankets)

• Carpet Manufacturing

• Curtain and Drapery Manufacturing

• Dental Labs

• Dress Manufacturing

• Embroidery Manufacturing

• Food Manufacturing (excluding products and completed operations)

• Food Service Equipment Manufacturing

• Furniture and office furniture (primarily metal)

• Garment Manufacturing (no furs or children's garments)

• Glass Manufacturing (Liability only)

• Granite Table Top Manufacturing

• Handbag and Purse Manufacturing

• Jewelry Manufacturing

• Kitchen Cabinet Manufacturing

• Laundry Equipment Manufacturing

• Leather Goods Manufacturing

• Linen Manufacturing

• Machine Shop (need end use of products)

• Pillows

• Plumbing and Heating Products Manufacturing

• Quilt Manufacturing

• Sheet Metal

• Textiles

Real Estate

• Apartment building – 3-12 units (3 and 4 family units must be tenant occupied)

• Buildings leased to others with tenants such as retail, wholesale, office or manufacturing***

• Builders' Risk (habitational and office occupancies only; property only)

• Condo/Townhouse/Co-Ops (no higher than six stories)

• Real Estate Agents (no real estate management)

• Strip Shopping Centers***

• Taxpayer (store or office with apartments above; no more than 75% habitational)***

*** Certificates of Insurance from grade level tenants naming the landlord as an additional insured will be required within 30 days of binding

Real Estate Program Guidelines

• Buildings with tenant garage operations are not written if the garage does collision and/or body work.

• If the building has an open flame cooking tenant exposure, see Restaurant section.

Professional Offices

As NSIC currently does not have a Businessowners (BOP) product filed, the company’s writings in this class tend to be those that are not eligible for BOP. In most instances, the office is not eligible for a BOP because it has a Professional Liability, Personal Injury or Products/Completed Operations exposure that the BOP product cannot exclude.

Under a Commercial Package Policy (CPP), NSIC can design a policy, by the use of exclusions, which basically provides coverage for "trip and fall" exposures. This limited policy, in many cases, is what is needed for the customer to satisfy their landlord's requirements when office space is leased.

Miscellaneous Classes

• Adult Education Classes

• Bands

• Billiard or Pool Halls (excluding assault/battery)

• Correspondence Schools

• Disc Jockeys (DJs)

• Funeral Homes (excluding Professional Liability)

• Gentlemen’s Clubs (excluding assault/battery; Liquor Coverage not available)

• Independent Food Distributors (i.e. potato chip distributor)

• Inspection and Appraisal Companies (excluding Professional Liability; inspecting for insurance or valuation purposes)

• Insurance Agents

• Internet Cafes

• Karaoke Bars (excluding assault/battery; no stage or dance floor; no Liquor Coverage)

• Kiosk Operators and Street Vendors

• Music Mastering Studios (no live recording)

• Neighborhood Taverns (excluding assault/battery; no sports bars, bands, dancing or live entertainment)

• Parking Lots (self parking only)

• Photographers

• Ticket Agencies

• Travel Agencies (no tours)

• Truckers, Liability only (up to four trucks, 150 mile radius)

• Vending Machine Operations

• Video Production

• Woodworking

Please contact Robert Boyle, Executive Vice President, at 516.825.2800 or via email at rboyle@north-sea-ins.com if you have a question about an unlisted risk.