Industries we serve
Every industry carries its own risks and coverage details. For three decades we've built insurance programs across the sectors that power the Pacific Northwest, from mainstream trades to hard-to-place specialty classes.
1,000+ SIC codes · 50+ industry specializations · A-rated carrier access
Deep expertise, by sector
The industries that power the Pacific Northwest economy, with the coverages and key risks for each.
Construction
SIC 1500–1799. From general contractors to specialty trades, construction businesses face job-site injuries, completed-operations liability, equipment damage, and bonding requirements. Key risks: bodily injury at job sites, construction defects and callbacks, subcontractor default, equipment theft and damage, project delays and liquidated damages, workers' compensation claims, third-party property damage, environmental contamination.
- General Liability
- Workers' Compensation
- Builders Risk
- Commercial Auto
- Umbrella/Excess
- Contractors Equipment
- Professional Liability
- Surety Bonds
- Pollution Liability
- EPLI
Manufacturing
SIC 2000–3999. Manufacturers face product liability, equipment breakdown, supply-chain disruption, and employee-safety risks, so coverage has to address both operations and the products you put into commerce. Key risks: product defects causing injury, equipment breakdown and downtime, supply chain disruption, worker injury, environmental contamination, recalls and product withdrawals, fire and explosion, quality control failures.
- Product Liability
- Property Insurance
- Business Interruption
- Equipment Breakdown
- Workers' Compensation
- Commercial Auto
- Umbrella/Excess
- Product Recall
- Pollution Liability
- Cyber Liability
Healthcare
SIC 8000–8099. Healthcare providers need specialized malpractice coverage, HIPAA-compliant cyber insurance, and protection built for the regulatory environment of medical practice. Key risks: medical malpractice claims, HIPAA violations and data breaches, patient injury, regulatory enforcement, employment discrimination claims, billing fraud allegations, credentialing issues, staff shortages affecting care.
- Medical Malpractice
- General Liability
- Cyber Liability/HIPAA
- Workers' Compensation
- Property Insurance
- D&O Insurance
- EPLI
- Business Interruption
- Regulatory Defense
Technology
SIC 7370–7379. Technology companies face unique E&O exposure, intellectual-property risk, and cyber liability, so coverage has to protect both the services you provide and the products you develop. Key risks: software failures and bugs, data breaches and security incidents, intellectual property infringement, service outages and downtime, client data loss, failure to deliver projects, technology obsolescence, regulatory compliance.
- Technology E&O
- Cyber Liability
- D&O Insurance
- EPLI
- Intellectual Property
- General Liability
- Workers' Compensation
- Media Liability
- Business Interruption
Hospitality
SIC 5812, 7011, 7941. Restaurants, hotels, and venues face customer-injury risk, liquor liability, food contamination, and employment-practices exposure from high-turnover workforces. Key risks: slip and fall injuries, dram shop/liquor liability, foodborne illness, employee injury, theft and robbery, fire and property damage, employment claims, event cancellation.
- General Liability
- Liquor Liability
- Property Insurance
- Workers' Compensation
- Food Spoilage
- Business Interruption
- EPLI
- Crime Coverage
- Umbrella/Excess
Transportation
SIC 4100–4789. Trucking, logistics, and transportation firms need specialized commercial-auto coverage, cargo insurance, and compliance with DOT and FMCSA regulations. Key risks: highway accidents, cargo theft and damage, DOT/FMCSA violations, driver injury, environmental spills, equipment breakdown, loading/unloading accidents, hours of service violations.
- Commercial Auto
- Motor Cargo
- General Liability
- Workers' Compensation
- Umbrella/Excess
- Trailer Interchange
- Pollution Liability
- Non-Trucking Liability
Retail trade
SIC 5200–5999. Retailers face customer-injury exposure, inventory risk, theft, and product liability for what they sell — and e-commerce adds cyber and shipping exposures. Key risks: customer slip and fall, product liability claims, theft and shoplifting, data breaches, employee injury, fire and natural disasters, employment disputes, e-commerce exposures.
- General Liability
- Property Insurance
- Workers' Compensation
- Crime Coverage
- Cyber Liability
- Business Interruption
- Product Liability
- EPLI
- Umbrella/Excess
Professional services
SIC 8100–8999. Professional-service firms need E&O coverage tailored to their practice area, plus protection for the advice and expertise that is their core product. Key risks: professional negligence claims, missed deadlines, client financial losses, data breaches, employment disputes, fiduciary breaches, regulatory violations, conflicts of interest.
- Professional Liability (E&O)
- Cyber Liability
- D&O Insurance
- EPLI
- Fiduciary Liability
- General Liability
- Workers' Compensation
- Crime/Fidelity
Real estate
SIC 6500–6553. Property owners, managers, and developers face premises liability, environmental concerns, and tenant-related exposures that call for specialized coverage. Key risks: premises liability, property damage, tenant discrimination claims, environmental contamination, construction defects, fair housing violations, slip and fall injuries, security failures.
- Property Insurance
- General Liability
- Umbrella/Excess
- D&O Insurance
- Environmental Liability
- E&O Insurance
- Workers' Compensation
- EPLI
- Flood Insurance
Specialty and hard-to-place industries
We have market access for challenging classes that many agencies can't place.
Firearms & ammunition
Dealers, manufacturers, ranges and gunsmiths, with products liability and specialty coverage.
Learn more →Cannabis
Cultivators, processors, dispensaries and testing labs, with state-compliant coverage.
Learn more →Breweries & distilleries
Craft beverage producers, with liquor liability, equipment and product coverage.
Learn more →Security services
Armed and unarmed guards, patrol, alarm monitoring and investigations.
Learn more →Powersports dealers
Motorcycles, ATVs, boats and RVs, with dealer open-lot and test-drive coverage.
Learn more →Entertainment & events
Concerts, festivals, promoters and venues, with special-event coverage.
Learn more →Aviation
Aircraft owners, FBOs, flight schools and maintenance, with aviation liability.
Learn more →Fitness & recreation
Gyms, martial arts and adventure sports, with participant liability and waivers.
Learn more →Animal services
Kennels, groomers, trainers and veterinarians, with animal bailee coverage.
Learn more →Childcare
Daycare centers, preschools and after-school programs, with abuse and molestation coverage.
Learn more →Adult care facilities
Assisted living, adult family homes and memory care, with professional liability.
Learn more →Environmental services
Remediation, hazmat, asbestos and mold contractors, with pollution liability.
Learn more →Programs for every trade
General contractors
Commercial and residential GCs.
Learn more →Concrete contractors
Flatwork, foundations and structural concrete.
Learn more →Electrical contractors
Commercial, residential and low-voltage electrical.
Learn more →HVAC & plumbing
Mechanical, heating, cooling and plumbing trades.
Learn more →Roofing contractors
Residential and commercial roofing.
Learn more →Framing contractors
Wood and steel framing crews.
Learn more →Drywall contractors
Drywall, taping and finishing.
Learn more →Flooring contractors
Hardwood, tile, carpet and resilient flooring.
Learn more →Painting contractors
Interior and exterior painting.
Learn more →Fencing contractors
Residential, commercial and agricultural fencing.
Learn more →Excavating contractors
Excavation, grading and site work.
Learn more →Fire protection contractors
Sprinkler and fire-suppression installers.
Learn more →Landscaping contractors
Landscape construction and maintenance.
Learn more →Arborists & tree service
Tree trimming, removal and care.
Learn more →Programs for vehicles and fleets
Trucking
Motor carriers, owner-operators and fleets.
Learn more →Cargo
Freight and goods in transit.
Learn more →Tow trucks
Towing, recovery and impound operators.
Learn more →Limousine & chauffeured
Limousine, livery and black-car services.
Learn more →Bus & shuttle
Charter, shuttle and passenger transport.
Learn more →Paratransit / NEMT
Non-emergency medical transportation.
Learn more →Ambulance
Emergency and inter-facility ambulance services.
Learn more →Auto dealerships
New and used auto dealers.
Learn more →Auto repair shops
Repair, body and service shops.
Learn more →Fishing vessels
Commercial fishing boats and crews.
Learn more →Programs for producers and makers
Manufacturers
General and light manufacturing.
Learn more →Product manufacturing
Makers and distributors of consumer and industrial products.
Learn more →Pallet manufacturing
Pallet makers, recyclers and wood-packaging yards.
Learn more →Distribution centers
Warehousing and distribution operations.
Learn more →Hardware & building materials
Lumber yards, hardware and building-supply stores.
Learn more →Logging
Timber harvesting and log hauling.
Learn more →Agribusiness
Farms, orchards and agricultural operations.
Learn more →Distilleries
Craft spirits producers and tasting rooms.
Learn more →Wineries
Wineries, vineyards and tasting rooms.
Learn more →Programs for places people gather
Restaurants
Restaurants, cafes, bars and taverns.
Learn more →Hospitality
Hotels, motels and lodging.
Learn more →Golf & country clubs
Courses, clubhouses and member facilities.
Learn more →Apartment buildings
Apartment owners and multifamily properties.
Learn more →Churches
Houses of worship and ministries.
Learn more →Non-profit human services
Social-service and community nonprofits.
Learn more →Charter schools
Charter and independent schools.
Learn more →Higher education
Colleges, universities and training institutions.
Learn more →Retail
Stores, boutiques and retail chains.
Learn more →Programs for advice and care
Professional services
Consultants and professional firms.
Learn more →Accountants & CPAs
Accounting, tax and bookkeeping firms.
Learn more →Architects & engineers
Design and engineering firms.
Learn more →Lawyers
Law firms and solo practitioners.
Learn more →Technology companies
Software, SaaS and IT services.
Learn more →Healthcare professionals
Clinics, practices and allied health providers.
Learn more →Medical malpractice
Physicians, surgeons and other providers.
Learn more →Find coverage for your class of business
Search by SIC code, industry name or business description to see typical coverages and key risks for your class. Try 5812 (eating places), 8011 (physicians) or 7372 (software).
0111 · Wheat
Wheat farming operations. Typical coverages: Farm Property, Crop Insurance, Liability, Equipment. Key risks: Weather damage, Commodity price fluctuation, Equipment breakdown.
0112 · Rice
Rice farming operations. Typical coverages: Farm Property, Crop Insurance, Liability, Equipment. Key risks: Flood damage, Pest infestation, Equipment breakdown.
0115 · Corn
Corn farming operations. Typical coverages: Farm Property, Crop Insurance, Liability, Equipment. Key risks: Weather damage, Market volatility, Pest damage.
0161 · Vegetables and Melons
Vegetable and melon farming. Typical coverages: Farm Property, Crop Insurance, Product Liability, Workers' Comp. Key risks: Spoilage, Food safety claims, Worker injury.
0181 · Ornamental Floriculture
Flower and plant nurseries. Typical coverages: Property, Product Liability, Workers' Comp, Transit. Key risks: Weather damage, Disease, Transit damage.
0211 · Beef Cattle Feedlots
Cattle feeding operations. Typical coverages: Livestock, Property, Liability, Pollution. Key risks: Disease outbreak, Environmental claims, Price volatility.
0241 · Dairy Farms
Dairy farming operations. Typical coverages: Livestock, Property, Product Liability, Equipment Breakdown. Key risks: Milk contamination, Equipment failure, Worker injury.
0251 · Broiler, Fryer Chickens
Poultry farming operations. Typical coverages: Livestock, Property, Product Liability, Workers' Comp. Key risks: Disease outbreak, Food safety, Environmental claims.
0782 · Lawn and Garden Services
Landscaping and lawn care. Typical coverages: General Liability, Commercial Auto, Workers' Comp, Equipment. Key risks: Property damage, Worker injury, Chemical exposure.
1311 · Crude Petroleum and Natural Gas
Oil and gas extraction. Typical coverages: Property, Liability, Pollution, Workers' Comp, Control of Well. Key risks: Blowout, Environmental damage, Worker injury.
1381 · Drilling Oil and Gas Wells
Drilling contractors. Typical coverages: General Liability, Workers' Comp, Equipment, Pollution. Key risks: Well control, Equipment damage, Environmental claims.
1442 · Construction Sand and Gravel
Aggregate mining operations. Typical coverages: Property, Liability, Workers' Comp, Equipment, Pollution. Key risks: Equipment breakdown, Environmental claims, Worker injury.
1521 · General Contractors - Residential
Single-family home builders. Typical coverages: General Liability, Workers' Comp, Builders Risk, Umbrella, Auto. Key risks: Construction defects, Worker injury, Subcontractor issues, Property damage.
1522 · General Contractors - Residential (Multi)
Multi-family residential builders. Typical coverages: General Liability, Workers' Comp, Builders Risk, Umbrella, Professional. Key risks: Construction defects, Design errors, Subcontractor default.
1531 · Operative Builders
Spec home builders. Typical coverages: General Liability, Builders Risk, Workers' Comp, Umbrella. Key risks: Market risk, Construction defects, Financing issues.
1541 · General Contractors - Industrial
Industrial building contractors. Typical coverages: General Liability, Workers' Comp, Builders Risk, Professional, Pollution. Key risks: Complex projects, Hazardous materials, Equipment damage.
1542 · General Contractors - Commercial
Commercial building contractors. Typical coverages: General Liability, Workers' Comp, Builders Risk, Professional, Umbrella. Key risks: Construction defects, Schedule delays, Subcontractor issues.
1611 · Highway and Street Construction
Road and highway contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment, Umbrella. Key risks: Traffic accidents, Worker injury, Equipment damage.
1623 · Water, Sewer, Pipeline Construction
Underground utility contractors. Typical coverages: General Liability, Workers' Comp, Equipment, Pollution. Key risks: Utility strikes, Collapse, Environmental damage.
1711 · Plumbing, Heating, Air Conditioning
HVAC and plumbing contractors. Typical coverages: General Liability, Workers' Comp, Auto, Tools/Equipment. Key risks: Water damage, Completed operations, Worker injury.
1721 · Painting and Paper Hanging
Painting contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment. Key risks: Property damage, Falls, Chemical exposure.
1731 · Electrical Work
Electrical contractors. Typical coverages: General Liability, Workers' Comp, Auto, E&O, Umbrella. Key risks: Electrocution, Fire, Completed operations claims.
1741 · Masonry, Stonework, Tile
Masonry contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment. Key risks: Falls, Structural issues, Worker injury.
1751 · Carpentry Work
Carpentry contractors. Typical coverages: General Liability, Workers' Comp, Auto, Tools. Key risks: Falls, Tool injuries, Construction defects.
1761 · Roofing, Siding, Sheet Metal
Roofing contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment, Umbrella. Key risks: Falls, Weather damage, Completed operations.
1771 · Concrete Work
Concrete contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment. Key risks: Structural failure, Worker injury, Property damage.
1781 · Water Well Drilling
Well drilling contractors. Typical coverages: General Liability, Workers' Comp, Equipment, Pollution. Key risks: Groundwater contamination, Equipment breakdown, Dry wells.
1794 · Excavation Work
Excavation contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment, Umbrella. Key risks: Utility strikes, Cave-ins, Property damage.
1795 · Wrecking and Demolition
Demolition contractors. Typical coverages: General Liability, Workers' Comp, Pollution, Equipment, Umbrella. Key risks: Asbestos exposure, Collapse, Adjacent property damage.
1799 · Special Trade Contractors NEC
Specialty contractors. Typical coverages: General Liability, Workers' Comp, Auto, Equipment. Key risks: Varies by specialty, Worker injury, Property damage.
2011 · Meat Packing Plants
Meat processing facilities. Typical coverages: Property, Product Liability, Workers' Comp, Product Recall, Pollution. Key risks: Food contamination, Worker injury, Equipment breakdown.
2024 · Ice Cream and Frozen Desserts
Frozen dessert manufacturers. Typical coverages: Property, Product Liability, Equipment Breakdown, Product Recall. Key risks: Contamination, Temperature failure, Allergen exposure.
2051 · Bread, Cake, and Related Products
Bakery product manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Equipment Breakdown. Key risks: Fire, Allergen claims, Equipment failure.
2082 · Malt Beverages
Breweries. Typical coverages: Property, Product Liability, Liquor Liability, Equipment Breakdown. Key risks: Contamination, Equipment failure, Dram shop liability.
2085 · Distilled and Blended Liquors
Distilleries. Typical coverages: Property, Product Liability, Liquor Liability, Equipment Breakdown, Stock Throughput. Key risks: Fire/explosion, Contamination, Barrel loss.
2099 · Food Preparations NEC
Specialty food manufacturing. Typical coverages: Property, Product Liability, Product Recall, Workers' Comp. Key risks: Contamination, Allergens, Recalls.
2300 · Apparel and Textile Products
Clothing manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Inland Marine. Key risks: Fire, Product defects, Supply chain disruption.
2421 · Sawmills and Planing Mills
Lumber manufacturing. Typical coverages: Property, Workers' Comp, Equipment, Pollution. Key risks: Fire, Equipment injury, Environmental claims.
2599 · Furniture and Fixtures NEC
Furniture manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Transit. Key risks: Fire, Product defects, Worker injury.
2711 · Newspapers
Newspaper publishing. Typical coverages: Property, Media Liability, Cyber, Workers' Comp. Key risks: Libel/slander, Copyright infringement, Data breach.
2752 · Commercial Printing, Lithographic
Commercial printing. Typical coverages: Property, General Liability, Workers' Comp, Pollution. Key risks: Fire, Chemical exposure, Equipment breakdown.
2819 · Industrial Inorganic Chemicals
Chemical manufacturing. Typical coverages: Property, Product Liability, Pollution, Workers' Comp. Key risks: Explosion, Environmental contamination, Worker exposure.
2911 · Petroleum Refining
Oil refineries. Typical coverages: Property, Liability, Pollution, Workers' Comp, Business Interruption. Key risks: Fire/explosion, Environmental damage, Process failures.
3089 · Plastics Products NEC
Plastics manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Equipment Breakdown. Key risks: Fire, Product defects, Equipment failure.
3312 · Steel Works and Blast Furnaces
Steel manufacturing. Typical coverages: Property, Workers' Comp, Equipment Breakdown, Pollution. Key risks: Burns, Equipment failure, Environmental claims.
3441 · Fabricated Structural Metal
Steel fabrication. Typical coverages: Property, General Liability, Workers' Comp, Installation Floater. Key risks: Worker injury, Product defects, Installation errors.
3523 · Farm Machinery and Equipment
Agricultural equipment manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Product Recall. Key risks: Product defects, Injury claims, Recalls.
3541 · Machine Tools, Metal Cutting
Machine tool manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, E&O. Key risks: Product defects, Worker injury, Design errors.
3559 · Special Industry Machinery NEC
Specialty machinery manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Professional. Key risks: Design defects, Installation errors, Performance failures.
3599 · Industrial Machinery NEC
General industrial manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Equipment Breakdown. Key risks: Product defects, Worker injury, Equipment failure.
3661 · Telephone and Telegraph Apparatus
Telecommunications equipment manufacturing. Typical coverages: Property, Product Liability, E&O, Cyber. Key risks: Product defects, Technology obsolescence, IP claims.
3674 · Semiconductors
Semiconductor manufacturing. Typical coverages: Property, Product Liability, Business Interruption, Cyber. Key risks: Contamination, Supply chain disruption, IP theft.
3711 · Motor Vehicles and Car Bodies
Automobile manufacturing. Typical coverages: Property, Product Liability, Product Recall, Workers' Comp. Key risks: Recalls, Product defects, Supply chain issues.
3728 · Aircraft Parts and Equipment
Aircraft parts manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Aviation Products. Key risks: Product defects, Catastrophic claims, Recalls.
3842 · Surgical Appliances and Supplies
Medical device manufacturing. Typical coverages: Property, Product Liability, Product Recall, Professional. Key risks: Product defects, Regulatory issues, Recalls.
3944 · Games, Toys, Children's Vehicles
Toy manufacturing. Typical coverages: Property, Product Liability, Product Recall, Workers' Comp. Key risks: Choking hazards, Lead paint, Recalls.
3949 · Sporting and Athletic Goods NEC
Sporting goods manufacturing. Typical coverages: Property, Product Liability, Workers' Comp, Product Recall. Key risks: Product defects, Injury claims, Recalls.
4011 · Railroads, Line-Haul
Railroad operations. Typical coverages: Property, Liability, Workers' Comp, Cargo, Environmental. Key risks: Derailment, Crossing accidents, Hazmat spills.
4119 · Local Passenger Transportation NEC
Local transit services. Typical coverages: Commercial Auto, General Liability, Workers' Comp, Umbrella. Key risks: Passenger injury, Accidents, ADA compliance.
4121 · Taxicabs
Taxi services. Typical coverages: Commercial Auto, General Liability, Workers' Comp. Key risks: Accidents, Passenger injury, Assault.
4131 · Intercity Bus Transportation
Charter and intercity bus services. Typical coverages: Commercial Auto, General Liability, Workers' Comp, Umbrella. Key risks: Accidents, Passenger injury, Rollover.
4212 · Local Trucking Without Storage
Local delivery and trucking. Typical coverages: Commercial Auto, General Liability, Workers' Comp, Cargo. Key risks: Accidents, Cargo damage, Loading/unloading injury.
4213 · Trucking Except Local
Long-haul trucking. Typical coverages: Commercial Auto, Motor Cargo, General Liability, Workers' Comp, Umbrella. Key risks: Highway accidents, Cargo theft, DOT violations.
4214 · Local Trucking With Storage
Trucking with warehousing. Typical coverages: Commercial Auto, Warehouse Legal, General Liability, Workers' Comp. Key risks: Accidents, Stored goods damage, Theft.
4215 · Courier Services
Package delivery services. Typical coverages: Commercial Auto, General Liability, Workers' Comp, Cargo. Key risks: Accidents, Package loss, Time-sensitive failures.
4225 · General Warehousing and Storage
Warehouse operations. Typical coverages: Property, Warehouse Legal, General Liability, Workers' Comp. Key risks: Fire, Theft, Product damage, Forklift accidents.
4412 · Deep Sea Foreign Transportation
Ocean shipping. Typical coverages: Hull, P&I, Cargo, Pollution. Key risks: Vessel damage, Cargo loss, Environmental claims.
4512 · Air Transportation, Scheduled
Scheduled airlines. Typical coverages: Aviation Hull, Aviation Liability, Workers' Comp, Cargo. Key risks: Accidents, Passenger injury, Terrorism.
4522 · Air Transportation, Nonscheduled
Charter aviation. Typical coverages: Aviation Hull, Aviation Liability, Workers' Comp. Key risks: Accidents, Passenger injury, Ground operations.
4581 · Airports, Flying Fields, Services
FBOs and airport services. Typical coverages: Aviation Liability, Property, Hangarkeepers, Workers' Comp. Key risks: Ground accidents, Hangar damage, Fuel spills.
4724 · Travel Agencies
Travel agency services. Typical coverages: E&O, General Liability, Cyber, Workers' Comp. Key risks: Booking errors, Supplier failures, Data breach.
4731 · Freight Forwarding
Freight forwarding services. Typical coverages: Contingent Cargo, E&O, General Liability, Cyber. Key risks: Cargo loss, Documentation errors, Carrier selection.
4783 · Packing and Crating
Packing and crating services. Typical coverages: General Liability, Bailee, Workers' Comp, Auto. Key risks: Damage to goods, Worker injury, Transit damage.
4789 · Transportation Services NEC
Transportation support services. Typical coverages: General Liability, Workers' Comp, Auto, Professional. Key risks: Varies by service, Worker injury, Service failures.
5013 · Motor Vehicle Parts, Used
Used auto parts wholesalers. Typical coverages: Property, General Liability, Pollution, Workers' Comp. Key risks: Environmental contamination, Product liability, Theft.
5031 · Lumber and Construction Materials
Building materials distributors. Typical coverages: Property, General Liability, Workers' Comp, Auto. Key risks: Fire, Product liability, Delivery accidents.
5063 · Electrical Apparatus and Equipment
Electrical equipment distributors. Typical coverages: Property, General Liability, Product Liability, Workers' Comp. Key risks: Product defects, Fire, Transit damage.
5074 · Plumbing and Hydronic Heating
Plumbing supply distributors. Typical coverages: Property, General Liability, Workers' Comp, Auto. Key risks: Product defects, Warehouse accidents, Transit damage.
5082 · Construction and Mining Machinery
Heavy equipment dealers. Typical coverages: Property, General Liability, Dealer Open Lot, Workers' Comp. Key risks: Equipment damage, Demo accidents, Theft.
5122 · Drugs, Proprietaries, Sundries
Pharmaceutical distributors. Typical coverages: Property, Product Liability, Crime, Cyber, E&O. Key risks: Theft, Counterfeits, Temperature failures.
5141 · Groceries, General Line
Food distributors. Typical coverages: Property, Product Liability, Auto, Workers' Comp, Spoilage. Key risks: Contamination, Spoilage, Transit damage.
5171 · Petroleum Bulk Stations
Fuel distributors. Typical coverages: Property, General Liability, Pollution, Auto, Workers' Comp. Key risks: Spills, Fire/explosion, Delivery accidents.
5211 · Lumber and Building Materials
Lumber yards and building supply stores. Typical coverages: Property, General Liability, Workers' Comp, Auto. Key risks: Fire, Customer injury, Product liability.
5231 · Paint, Glass, Wallpaper
Paint and decorating stores. Typical coverages: Property, General Liability, Workers' Comp, Pollution. Key risks: Chemical exposure, Customer injury, Spills.
5251 · Hardware Stores
Hardware retailers. Typical coverages: Property, General Liability, Workers' Comp, Product Liability. Key risks: Product defects, Customer injury, Theft.
5311 · Department Stores
Department store retail. Typical coverages: Property, General Liability, Workers' Comp, Crime, Cyber. Key risks: Customer injury, Theft, Data breach.
5411 · Grocery Stores
Supermarkets and grocery stores. Typical coverages: Property, General Liability, Workers' Comp, Spoilage, Cyber. Key risks: Slips/falls, Food contamination, Worker injury.
5461 · Retail Bakeries
Bakery retail shops. Typical coverages: Property, General Liability, Product Liability, Workers' Comp. Key risks: Fire, Food contamination, Allergens.
5511 · Motor Vehicle Dealers, New/Used
Auto dealerships. Typical coverages: Dealer Open Lot, Garage Liability, Garagekeepers, Workers' Comp, Crime. Key risks: Inventory damage, Test drive accidents, Employee theft.
5521 · Used Car Dealers
Used auto dealerships. Typical coverages: Dealer Open Lot, Garage Liability, Garagekeepers, Workers' Comp. Key risks: Inventory damage, Lemon law claims, Title issues.
5531 · Auto and Home Supply Stores
Auto parts retailers. Typical coverages: Property, General Liability, Product Liability, Workers' Comp. Key risks: Product defects, Customer injury, Theft.
5541 · Gasoline Service Stations
Gas stations and convenience stores. Typical coverages: Property, General Liability, Pollution, Workers' Comp, Crime. Key risks: Fuel spills, Robbery, Tank leaks.
5571 · Motorcycle Dealers
Motorcycle dealerships. Typical coverages: Dealer Open Lot, Garage Liability, Garagekeepers, Workers' Comp. Key risks: Inventory damage, Test ride accidents, Theft.
5599 · Automotive Dealers NEC
RV, boat, and specialty vehicle dealers. Typical coverages: Dealer Open Lot, Garage Liability, Garagekeepers, Workers' Comp. Key risks: Inventory damage, Demo accidents, Marine exposures.
5611 · Men's Clothing Stores
Men's apparel retail. Typical coverages: Property, General Liability, Workers' Comp, Crime. Key risks: Theft, Customer injury, Fire.
5621 · Women's Clothing Stores
Women's apparel retail. Typical coverages: Property, General Liability, Workers' Comp, Crime. Key risks: Theft, Customer injury, Fire.
5661 · Shoe Stores
Footwear retail. Typical coverages: Property, General Liability, Workers' Comp, Crime. Key risks: Theft, Customer injury, Product liability.
5712 · Furniture Stores
Furniture retail. Typical coverages: Property, General Liability, Workers' Comp, Auto, Installation Floater. Key risks: Delivery accidents, Customer injury, Product defects.
5731 · Radio, TV, Electronics Stores
Electronics retail. Typical coverages: Property, General Liability, Workers' Comp, Crime, Cyber. Key risks: Theft, Product liability, Data breach.
5812 · Eating Places
Restaurants. Typical coverages: Property, General Liability, Liquor Liability, Workers' Comp, Spoilage. Key risks: Food contamination, Slips/falls, Dram shop liability, Fire.
5813 · Drinking Places
Bars and taverns. Typical coverages: Property, General Liability, Liquor Liability, Workers' Comp, Assault/Battery. Key risks: Dram shop liability, Assault, Fire.
5912 · Drug Stores
Pharmacies. Typical coverages: Property, Professional Liability, General Liability, Workers' Comp, Crime. Key risks: Dispensing errors, Robbery, Regulatory issues.
5921 · Liquor Stores
Package liquor stores. Typical coverages: Property, General Liability, Liquor Liability, Workers' Comp, Crime. Key risks: Robbery, Sales to minors, Dram shop claims.
5941 · Sporting Goods Stores
Sporting goods retail. Typical coverages: Property, General Liability, Product Liability, Workers' Comp. Key risks: Product liability, Customer injury, Theft.
5942 · Book Stores
Book retail. Typical coverages: Property, General Liability, Workers' Comp. Key risks: Fire, Customer injury, Theft.
5944 · Jewelry Stores
Jewelry retail. Typical coverages: Property, Jewelers Block, General Liability, Workers' Comp, Crime. Key risks: Robbery, Theft, Customer injury.
5945 · Hobby, Toy, Game Shops
Toy and hobby stores. Typical coverages: Property, General Liability, Product Liability, Workers' Comp. Key risks: Product liability, Customer injury, Recalls.
5947 · Gift, Novelty, Souvenir Shops
Gift shops. Typical coverages: Property, General Liability, Workers' Comp. Key risks: Customer injury, Fire, Theft.
5961 · Catalog and Mail-Order
E-commerce and catalog retail. Typical coverages: Property, General Liability, Product Liability, Cyber, Shipping. Key risks: Data breach, Product liability, Shipping damage.
5983 · Fuel Oil Dealers
Heating oil delivery. Typical coverages: General Liability, Auto, Pollution, Workers' Comp. Key risks: Spills, Delivery accidents, Tank leaks.
5992 · Florists
Floral shops. Typical coverages: Property, General Liability, Workers' Comp, Auto. Key risks: Delivery accidents, Customer injury, Spoilage.
5999 · Miscellaneous Retail Stores NEC
Specialty retail. Typical coverages: Property, General Liability, Workers' Comp, Product Liability. Key risks: Varies by product, Customer injury, Theft.
6021 · National Commercial Banks
Commercial banking. Typical coverages: D&O, E&O, Fidelity, Cyber, EPLI. Key risks: Fraud, Regulatory violations, Data breach.
6141 · Personal Credit Institutions
Consumer lending. Typical coverages: E&O, D&O, Fidelity, Cyber, EPLI. Key risks: Lending errors, Fraud, Regulatory issues.
6162 · Mortgage Bankers and Brokers
Mortgage lending. Typical coverages: E&O, D&O, Fidelity, Cyber, EPLI. Key risks: Lending errors, Regulatory violations, Fraud.
6211 · Security Brokers and Dealers
Securities trading. Typical coverages: E&O, D&O, Fidelity, Cyber, EPLI. Key risks: Trading errors, Regulatory violations, Fiduciary claims.
6282 · Investment Advice
Investment advisory services. Typical coverages: E&O, D&O, Fiduciary, Cyber, EPLI. Key risks: Investment losses, Fiduciary breaches, Regulatory issues.
6311 · Life Insurance
Life insurance carriers. Typical coverages: E&O, D&O, Cyber, EPLI. Key risks: Underwriting errors, Claims disputes, Regulatory issues.
6411 · Insurance Agents and Brokers
Insurance agencies. Typical coverages: E&O, Cyber, EPLI, D&O, Fidelity. Key risks: Coverage errors, Failure to bind, Data breach.
6512 · Nonresidential Building Operators
Commercial property owners. Typical coverages: Property, General Liability, Umbrella, Environmental, D&O. Key risks: Property damage, Tenant injury, Environmental claims.
6513 · Apartment Building Operators
Multifamily property owners. Typical coverages: Property, General Liability, Umbrella, Workers' Comp, D&O. Key risks: Tenant injury, Property damage, Discrimination claims.
6531 · Real Estate Agents and Managers
Real estate agencies. Typical coverages: E&O, General Liability, Cyber, Workers' Comp, Auto. Key risks: Transaction errors, Disclosure issues, Data breach.
6552 · Land Subdividers and Developers
Real estate development. Typical coverages: General Liability, E&O, Environmental, Umbrella, D&O. Key risks: Construction defects, Environmental issues, Market risk.
7011 · Hotels and Motels
Lodging establishments. Typical coverages: Property, General Liability, Liquor Liability, Workers' Comp, Cyber. Key risks: Guest injury, Property damage, Theft, Data breach.
7032 · Sporting and Recreational Camps
Camps and recreational facilities. Typical coverages: General Liability, Property, Workers' Comp, Abuse Coverage. Key risks: Participant injury, Abuse claims, Property damage.
7033 · Trailer Parks and Campsites
RV parks and campgrounds. Typical coverages: Property, General Liability, Workers' Comp, Environmental. Key risks: Guest injury, Property damage, Environmental claims.
7211 · Power Laundries, Family and Commercial
Commercial laundry services. Typical coverages: Property, General Liability, Workers' Comp, Bailee. Key risks: Fire, Customer property damage, Equipment breakdown.
7215 · Coin-Operated Laundries
Laundromats. Typical coverages: Property, General Liability, Equipment Breakdown, Crime. Key risks: Customer injury, Vandalism, Equipment failure.
7217 · Carpet and Upholstery Cleaning
Cleaning services. Typical coverages: General Liability, Workers' Comp, Auto, Bailee. Key risks: Property damage, Worker injury, Chemical exposure.
7231 · Beauty Shops
Hair salons and beauty services. Typical coverages: Property, General Liability, Professional Liability, Workers' Comp. Key risks: Service injury, Allergic reactions, Chemical burns.
7241 · Barber Shops
Barbershops. Typical coverages: Property, General Liability, Professional Liability, Workers' Comp. Key risks: Service injury, Infection, Customer injury.
7261 · Funeral Services and Crematories
Funeral homes. Typical coverages: Property, Professional Liability, General Liability, Workers' Comp, Auto. Key risks: Service errors, Body handling, Environmental.
7299 · Miscellaneous Personal Services
Various personal services. Typical coverages: General Liability, Professional Liability, Workers' Comp. Key risks: Service errors, Customer injury, Property damage.
7311 · Advertising Agencies
Advertising services. Typical coverages: E&O, Media Liability, Cyber, General Liability, Workers' Comp. Key risks: Copyright infringement, Defamation, Campaign failures.
7349 · Building Maintenance Services NEC
Janitorial services. Typical coverages: General Liability, Workers' Comp, Auto, Fidelity. Key risks: Property damage, Worker injury, Theft.
7359 · Equipment Rental and Leasing
Equipment rental businesses. Typical coverages: Property, General Liability, Rental Floater, Workers' Comp. Key risks: Equipment damage, Customer injury, Theft.
7361 · Employment Agencies
Staffing agencies. Typical coverages: E&O, EPLI, Workers' Comp, General Liability, Cyber. Key risks: Negligent placement, Discrimination, Worker injury.
7363 · Help Supply Services
Temporary staffing. Typical coverages: E&O, EPLI, Workers' Comp, General Liability, Umbrella. Key risks: Worker injury, Negligent placement, Discrimination.
7372 · Prepackaged Software
Software development. Typical coverages: Tech E&O, Cyber Liability, D&O, EPLI, IP. Key risks: Software failures, Security breaches, IP claims.
7373 · Computer Integrated Systems Design
Systems integration. Typical coverages: Tech E&O, Cyber Liability, General Liability, Workers' Comp. Key risks: System failures, Integration errors, Data loss.
7374 · Data Processing Services
Data center and processing services. Typical coverages: Tech E&O, Cyber Liability, Property, Business Interruption. Key risks: Data loss, System outages, Security breaches.
7376 · Computer Facilities Management
Managed IT services. Typical coverages: Tech E&O, Cyber Liability, General Liability, Workers' Comp. Key risks: System failures, Security incidents, Data loss.
7381 · Detective and Armored Car Services
Security and armored car services. Typical coverages: General Liability, Workers' Comp, Auto, Crime, Umbrella. Key risks: Robbery, Assault, Use of force.
7382 · Security Systems Services
Alarm and security monitoring. Typical coverages: E&O, General Liability, Workers' Comp, Auto. Key risks: Monitoring failures, Installation errors, Response delays.
7384 · Photofinishing Laboratories
Photo processing services. Typical coverages: Property, General Liability, Bailee, Workers' Comp. Key risks: Customer property loss, Fire, Equipment failure.
7389 · Business Services NEC
Various business services. Typical coverages: General Liability, E&O, Workers' Comp, Cyber. Key risks: Service errors, Property damage, Data breach.
7513 · Truck Rental and Leasing
Truck rental businesses. Typical coverages: Auto Liability, Physical Damage, General Liability, Garage Coverage. Key risks: Accidents, Vehicle damage, Customer injury.
7514 · Passenger Car Rental
Car rental agencies. Typical coverages: Auto Liability, Physical Damage, General Liability, Loss of Use. Key risks: Accidents, Vehicle damage, Theft.
7519 · Utility Trailer Rental
Trailer rental businesses. Typical coverages: General Liability, Physical Damage, Bailee. Key risks: Accidents, Equipment damage, Customer injury.
7521 · Automobile Parking
Parking lots and garages. Typical coverages: General Liability, Garagekeepers, Property, Workers' Comp. Key risks: Vehicle damage, Theft, Customer injury.
7532 · Top and Body Repair Shops
Auto body repair. Typical coverages: Garage Liability, Garagekeepers, Property, Workers' Comp. Key risks: Customer vehicle damage, Fire, Worker injury.
7533 · Auto Exhaust System Repair
Muffler and exhaust repair. Typical coverages: Garage Liability, Garagekeepers, Property, Workers' Comp. Key risks: Customer vehicle damage, Fire, Fumes exposure.
7534 · Tire Retreading and Repair
Tire services. Typical coverages: Garage Liability, Garagekeepers, Product Liability, Workers' Comp. Key risks: Tire failure, Customer vehicle damage, Worker injury.
7536 · Automotive Glass Replacement
Auto glass services. Typical coverages: Garage Liability, Garagekeepers, Workers' Comp, Auto. Key risks: Installation errors, Customer vehicle damage, Worker injury.
7538 · General Automotive Repair Shops
Auto repair shops. Typical coverages: Garage Liability, Garagekeepers, Property, Workers' Comp. Key risks: Repair errors, Customer vehicle damage, Fire.
7539 · Automotive Repair Shops NEC
Specialty auto repair. Typical coverages: Garage Liability, Garagekeepers, Property, Workers' Comp. Key risks: Repair errors, Customer vehicle damage, Fire.
7542 · Car Washes
Auto washing services. Typical coverages: General Liability, Garagekeepers, Property, Equipment Breakdown. Key risks: Vehicle damage, Customer injury, Equipment failure.
7622 · Radio and Television Repair
Electronics repair. Typical coverages: General Liability, Bailee, Property, Workers' Comp. Key risks: Customer property damage, Fire, Theft.
7629 · Electrical Repair Shops NEC
Appliance and electrical repair. Typical coverages: General Liability, Bailee, Property, Workers' Comp. Key risks: Customer property damage, Fire, Electrical injury.
7692 · Welding Repair
Welding services. Typical coverages: General Liability, Workers' Comp, Property, Auto. Key risks: Fire, Worker injury, Property damage.
7699 · Repair Services NEC
Miscellaneous repair services. Typical coverages: General Liability, Bailee, Workers' Comp, Auto. Key risks: Customer property damage, Worker injury, Fire.
7812 · Motion Picture Production
Film and video production. Typical coverages: General Liability, E&O, Equipment, Workers' Comp, Cast/Crew. Key risks: Production delays, IP claims, Injury on set.
7832 · Motion Picture Theaters
Movie theaters. Typical coverages: Property, General Liability, Workers' Comp, Crime. Key risks: Customer injury, Fire, Assault.
7911 · Dance Studios, Schools
Dance instruction. Typical coverages: General Liability, Professional Liability, Property, Workers' Comp, Abuse. Key risks: Student injury, Abuse claims, Professional liability.
7922 · Theatrical Producers
Live entertainment production. Typical coverages: General Liability, E&O, Workers' Comp, Event Cancellation. Key risks: Performer injury, Cancellation, IP claims.
7929 · Entertainers and Entertainment Groups
Performers and bands. Typical coverages: General Liability, Equipment, Event Cancellation, Workers' Comp. Key risks: Injury, Equipment damage, Cancellation.
7933 · Bowling Centers
Bowling alleys. Typical coverages: Property, General Liability, Liquor Liability, Workers' Comp. Key risks: Customer injury, Property damage, Dram shop.
7941 · Sports Clubs and Promoters
Sports venues and promotion. Typical coverages: General Liability, Event Coverage, Workers' Comp, D&O. Key risks: Spectator injury, Participant injury, Event cancellation.
7948 · Racing, Including Track Operation
Racing facilities. Typical coverages: General Liability, Property, Participant Liability, Workers' Comp. Key risks: Participant injury, Spectator injury, Property damage.
7991 · Physical Fitness Facilities
Gyms and fitness centers. Typical coverages: General Liability, Professional Liability, Property, Workers' Comp. Key risks: Member injury, Equipment failure, Personal training claims.
7996 · Amusement Parks
Theme parks and attractions. Typical coverages: General Liability, Property, Workers' Comp, Umbrella. Key risks: Ride accidents, Guest injury, Property damage.
7997 · Membership Sports and Recreation Clubs
Golf courses, tennis clubs, country clubs. Typical coverages: Property, General Liability, D&O, Workers' Comp, Liquor. Key risks: Member injury, Property damage, Employment claims.
7999 · Amusement and Recreation NEC
Various recreation businesses. Typical coverages: General Liability, Property, Workers' Comp, Participant Liability. Key risks: Participant injury, Property damage, Activity-specific risks.
8011 · Offices of Physicians
Medical practices. Typical coverages: Medical Malpractice, General Liability, Cyber, Workers' Comp, EPLI. Key risks: Malpractice claims, HIPAA violations, Billing errors.
8021 · Offices of Dentists
Dental practices. Typical coverages: Dental Malpractice, General Liability, Cyber, Workers' Comp. Key risks: Malpractice claims, Infection control, HIPAA violations.
8031 · Offices of Osteopathic Physicians
Osteopathic practices. Typical coverages: Medical Malpractice, General Liability, Cyber, Workers' Comp. Key risks: Malpractice claims, Treatment complications, HIPAA violations.
8041 · Offices of Chiropractors
Chiropractic practices. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp. Key risks: Treatment injury, Malpractice claims, HIPAA violations.
8042 · Offices of Optometrists
Optometry practices. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp. Key risks: Misdiagnosis, Product liability, HIPAA violations.
8049 · Offices of Health Practitioners NEC
Allied health practices. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp. Key risks: Treatment injury, Malpractice claims, Regulatory issues.
8051 · Skilled Nursing Care Facilities
Nursing homes. Typical coverages: Professional Liability, General Liability, Property, Workers' Comp, Abuse. Key risks: Patient injury, Abuse claims, Regulatory violations.
8059 · Nursing and Personal Care NEC
Assisted living facilities. Typical coverages: Professional Liability, General Liability, Property, Workers' Comp. Key risks: Resident injury, Elopement, Medication errors.
8062 · General Medical and Surgical Hospitals
Hospitals. Typical coverages: Medical Malpractice, General Liability, Property, Workers' Comp, D&O. Key risks: Malpractice, Sentinel events, Regulatory violations.
8082 · Home Health Care Services
Home health agencies. Typical coverages: Professional Liability, General Liability, Auto, Workers' Comp. Key risks: Patient injury, Medication errors, Auto accidents.
8093 · Specialty Outpatient Facilities NEC
Outpatient clinics. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp. Key risks: Treatment injury, HIPAA violations, Regulatory issues.
8111 · Legal Services
Law firms. Typical coverages: Legal Malpractice, Cyber, EPLI, D&O, Fiduciary. Key risks: Malpractice claims, Conflicts of interest, Missed deadlines.
8211 · Elementary and Secondary Schools
K-12 schools. Typical coverages: General Liability, Property, Workers' Comp, E&O, Abuse. Key risks: Student injury, Abuse claims, Educational malpractice.
8221 · Colleges and Universities
Higher education institutions. Typical coverages: General Liability, Property, D&O, E&O, Workers' Comp. Key risks: Student injury, Discrimination claims, Athletic liability.
8244 · Business and Secretarial Schools
Vocational training. Typical coverages: General Liability, E&O, Property, Workers' Comp. Key risks: Student injury, Educational malpractice, Regulatory issues.
8299 · Schools and Educational Services NEC
Various educational services. Typical coverages: General Liability, E&O, Property, Workers' Comp, Abuse. Key risks: Student injury, Educational malpractice, Abuse claims.
8322 · Individual and Family Services
Social services agencies. Typical coverages: Professional Liability, General Liability, Auto, Workers' Comp, D&O. Key risks: Client injury, Professional negligence, Auto accidents.
8351 · Child Day Care Services
Daycare centers. Typical coverages: General Liability, Professional Liability, Property, Abuse, Workers' Comp. Key risks: Child injury, Abuse claims, Regulatory violations.
8361 · Residential Care
Group homes and residential facilities. Typical coverages: Professional Liability, General Liability, Property, Abuse, Workers' Comp. Key risks: Resident injury, Abuse claims, Elopement.
8399 · Social Services NEC
Various social services. Typical coverages: Professional Liability, General Liability, D&O, Workers' Comp, Auto. Key risks: Client injury, Professional negligence, Employment claims.
8611 · Business Associations
Trade associations. Typical coverages: D&O, General Liability, EPLI, Cyber, Event Coverage. Key risks: Governance issues, Event liability, Antitrust claims.
8621 · Professional Organizations
Professional associations. Typical coverages: D&O, General Liability, EPLI, E&O, Cyber. Key risks: Governance issues, Credentialing claims, Member disputes.
8641 · Civic and Social Associations
Civic organizations. Typical coverages: D&O, General Liability, Property, Event Coverage. Key risks: Event liability, Volunteer injury, Governance issues.
8661 · Religious Organizations
Churches and religious institutions. Typical coverages: Property, General Liability, D&O, Workers' Comp, Abuse. Key risks: Property damage, Counseling claims, Abuse allegations.
8699 · Membership Organizations NEC
Various membership organizations. Typical coverages: D&O, General Liability, Property, Event Coverage. Key risks: Member injury, Governance issues, Event liability.
8711 · Engineering Services
Engineering firms. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp, Auto. Key risks: Design errors, Project delays, Cost overruns.
8712 · Architectural Services
Architecture firms. Typical coverages: Professional Liability, General Liability, Cyber, Workers' Comp. Key risks: Design errors, Code violations, Construction defects.
8713 · Surveying Services
Land surveying. Typical coverages: Professional Liability, General Liability, Auto, Workers' Comp. Key risks: Survey errors, Boundary disputes, Auto accidents.
8721 · Accounting, Auditing, Bookkeeping
CPA firms. Typical coverages: Professional Liability, Cyber, EPLI, D&O, Fiduciary. Key risks: Audit failures, Tax errors, Regulatory violations.
8731 · Commercial Physical Research
Research laboratories. Typical coverages: Professional Liability, General Liability, Property, Workers' Comp. Key risks: Research errors, Lab accidents, IP claims.
8732 · Commercial Nonphysical Research
Market and social research. Typical coverages: Professional Liability, Cyber, General Liability, EPLI. Key risks: Research errors, Data breach, Defamation.
8734 · Testing Laboratories
Testing and inspection services. Typical coverages: Professional Liability, General Liability, Property, Workers' Comp. Key risks: Testing errors, Missed defects, Lab accidents.
8741 · Management Services
Management consulting. Typical coverages: Professional Liability, Cyber, D&O, EPLI. Key risks: Consulting failures, Client losses, Confidentiality breaches.
8742 · Management Consulting Services
Business consulting. Typical coverages: Professional Liability, Cyber, General Liability, EPLI. Key risks: Advice failures, Client losses, IP claims.
8743 · Public Relations Services
PR firms. Typical coverages: Professional Liability, Media Liability, Cyber, General Liability. Key risks: Campaign failures, Defamation, IP claims.
8744 · Facilities Support Services
Facilities management. Typical coverages: General Liability, Workers' Comp, Property, Auto. Key risks: Property damage, Worker injury, Service failures.
8748 · Business Consulting NEC
Specialty consulting. Typical coverages: Professional Liability, Cyber, General Liability, EPLI. Key risks: Consulting failures, Client losses, Confidentiality.
8811 · Private Households
Domestic employees. Typical coverages: Workers' Comp, Liability, EPLI. Key risks: Worker injury, Employment claims, Property damage.
SIC code major divisions
The Standard Industrial Classification system organizes economic activity into major divisions.
Agriculture
SIC 01–09. Farming, forestry, fishing and hunting.
Mining
SIC 10–14. Metal, coal, oil and gas extraction.
Construction
SIC 15–17. General, heavy and specialty trades.
Manufacturing
SIC 20–39. All product manufacturing.
Transportation
SIC 40–49. Transport, utilities and communications.
Wholesale trade
SIC 50–51. Durable and nondurable goods.
Retail trade
SIC 52–59. Stores, dealers and merchants.
Finance
SIC 60–67. Banking, insurance and real estate.
Services
SIC 70–89. Business, personal and professional services.
Public administration
SIC 91–99. Government agencies.
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Descriptions are general summaries for education and are not a statement of coverage, an offer or a binder. Recommended coverages and risk factors are illustrative and typical for the class shown; actual needs, availability and eligibility depend on your operations and are governed by the terms, conditions and exclusions of the policies issued, subject to underwriting. SIC classifications are provided as a reference aid.