ARCHITECTURE & ENGINEERING
Available Products: PL, GL, BOP* | PL Revenue Limit: $500K | GL Payroll Limit: $500K | BOP Square Footage Cap: 35K | BOP Revenue/Payroll Limit: $500K | Coverage/ Liability Aggregate Limit: $2M Online (up to $3M by phone for PL/GL) | State Exclusions: No PL in VA, VT
  • Architecture
  • Building/ construction inspection
  • Civil engineering
  • Control systems integration/ automation
  • Draftsman (including CAD/ CAM)
  • Electrical engineering
  • Engineering
  • Engineering design services
  • Environmental engineering
  • Industrial engineering
  • Landscape architect
  • Process engineering
  • Project manager (architecture or engineering)
  • Transportation engineering
ARTISAN CONTRACTORS
Available Products: GL* | GL Revenue Limit: $500K | Coverage/ Liability Aggregate Limit: $2M | State Exclusions: NY
  • Air conditioning systems installation and repair
  • Appliance and accessories installation and repair
  • Carpentry (interior only)
  • Carpet, rug, furniture, or upholstery cleaning (customer’s premises only)
  • Clock making and repair
  • Door or window installation and repair
  • Driveway or sidewalk paving/ repaving
  • Drywall or wallboard installation and repair
  • Electrical work (interior only)
  • Fence installation and repair
  • Floor covering installation (no ceramic tile or stone)
  • Glass installation and repair (no auto work)
  • Handyperson (no roof work)
  • Heating and air conditioning installation and repair (no liquefied petroleum gas (LPG))
  • Interior finishing work
  • Locksmiths
  • Masonry work
  • Painting (interior only)
  • Plastering or stucco work
  • Plumbing (commercial and residential)
  • Sign painting and lettering (interior and exterior)
  • Tile, stone, marble, mosaic, or terrazzo work (interior only)
  • Upholstery work
  • Window cleaning (nothing above 15 feet)
CONSULTING
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Business consulting
  • Education consulting
  • Human Resources (HR) consulting
  • IT consulting
  • Management consulting
  • Marketing consulting
  • Research consulting
  • Resume consulting
  • Strategy consulting
  • Other consulting services
CREATIVE & DESIGN
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Graphic design
  • Interior design (BOP Revenue Limit: $5M | No PL in VA, VT)
  • Photo booths
  • Photography; Client videography
  • Professional organizer (BOP Revenue Limit: $5M | No PL in VA, VT)
  • Visual effect designer for films/ videos
FINANCIAL SERVICES
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL/BOP Square Footage Cap: 35K | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Accounting (PL Revenue Limit: $1M | PL Coverage/ Liability Limit: $3M)
  • Bookkeeping
  • Insurance agent services (Revenue Limit: $1M PL, $5M BOP)
  • Medical billing (No PL in NY)
  • Tax preparation
  • Insurance agent services
Available Products: GL, BOP* | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K | BOP Revenue Limit: $5M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for GL)
  • Actuarial services (BOP Revenue Limit: $3M)
  • Financial auditing or consulting
  • Investment advice
  • Mortgage brokering/ banking (BOP Revenue Limit: $5M | GL Square Footage Cap: 35K)
  • Stock brokering (GL Square Footage Cap: 35K)
HEALTH, BEAUTY & FITNESS
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL/BOP Square Footage Cap: 35K | GL/BOP Gross Sales Limit: $5M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL) | PL State Specific Coverage/Liability Limits: $1M in IL
  • Acupressure services (No coverage in NV)
  • Acupuncture services (No coverage in NV)
  • Art therapy
  • Audiology (No PL in NV)
  • Barber/ hair stylist services (No GL Square Footage Cap)
  • Beautician/ cosmetology services (No GL Square Footage Cap)
  • Dance therapy
  • Diet/ nutrition services
  • Drama therapy
  • Esthetician services (No GL Square Footage Cap)
  • First aid and CPR training
  • Hypnosis
  • Marriage and family therapy
  • Massage therapy (No GL Square Footage Cap)
  • Mental health counseling
  • Music therapy
  • Nail technician services(No GL Square Footage Cap)
  • Occupational therapy
  • Personal training (health & fitness)
  • Psychology
  • Pilates instruction
  • Small salon owner (No GL Square Footage Cap)
  • Social work services
  • Speech therapy (No coverage in NV)
  • Substance abuse counseling
  • Yoga instruction
JANITORIAL SERVICES
Available Products: GL* | GL Payroll Limit: $500K | Coverage/ Liability Limit: $2M
  • Dryer vent cleaning
  • Janitorial/ cleaning services
  • Residential cleaning services (interior and exterior)
  • Small commercial office cleaning (interior only)
LANDSCAPING SERVICES
Available Products: GL* | GL Payroll Limit: $500K | Coverage/ Liability Limit: $2M
  • Gutter or chimney cleaning
  • Landscaping/ gardening services (residential and commercial)
  • Lawn care services (residential and commercial)
  • Snow blowing and removal (no auto coverage)
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K  | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for PL/GL)
  • Claims adjusting (No PL in NY)
  • Court reporting
  • Document preparation
  • Expert witness services
  • Notary services (No PL in CA | GL Square Footage Cap:35K)
  • Process server
Available Products: GL, BOP* | GL Square Footage Cap: 35K | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone for GL)
  • Legal services
  • Trustee services
MARKETING & PUBLIC RELATIONS
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K  | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Advertising
  • Brand consultant
  • Digital marketing
  • Direct marketing
  • Market research
  • Marketing/ media consulting
  • Public relations
  • Search engine services (SEO/ SEM)
  • Social media consultant
  • Other marketing/ PR services
MISCELLANEOUS BUSINESS SERVICES
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K  | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Answering/ paging services (GL Square Footage Cap:35K)
  • Auctioneering
  • Business manager services
  • Event planning/ promotion
  • Executive placement (GL Square Footage Cap:35K)
  • Life/ career/ executive coaching
  • Personal concierge/ assistant
  • Project management
  • Recruiting (employment placements) (GL Square Footage Cap:35K)
  • Talent agency (GL Square Footage Cap:35K)
  • Training (business, vocational or life skills)
  • Translating/ interpreting
  • Travel agency (GL Square Footage Cap:35K)
  • Tutoring
REAL ESTATE
Available Products: PL & GL* | PL Revenue Limit: $5M ($500K in CA) | GL Payroll Limit: $3M ($500K in CA) | Coverage/ Liability Aggregate Limit: $2M  Online ($1M in NY) | State Exclusions: No PL in CO, IA, ID, KY, LA, MS, ND, NE, NM, RI, SD, TN, WY
  • Property management
  • Real estate agent/ broker (GL Payroll Limit: $3M | No PL in VT)
RETAIL
Available Products: GL* | GL Revenue Limit: $3M | Coverage/ Liability Limit: $2M
  • Appliance stores
  • Clothing apparel stores
  • Electronic stores
  • Florists
  • Home furnishing stores
  • Jewelry stores
  • Other stores (no food/ drink)
  • Other stores (with food/ drinks)
TECHNOLOGY
Available Products: PL, GL, BOP* | PL Revenue Limit: $5M | GL Payroll Limit: $3M | BOP Square Footage Cap: 35K  | BOP Revenue Limit: $3M | Coverage/ Liability Aggregate Limit: $2M Online (up to $5M by phone)
  • Application development: smartphone/ mobile/ tablet (PL Cap $1M)
  • Application service provider
  • Computer consultant
  • Computer programming services
  • Computer system/ network developer
  • Custom software programmer/ developer
  • Data processing
  • Database designer
  • Game developer
  • IT consulting
  • IT project management
  • IT software/ hardware training services
  • Internet hosting services
  • Software development
  • Technology services
  • Value added reseller of computer hardware
  • Website design
  • Other technology services