TAGS
Construction – Special Trade Contractors Tradesman who earns income by performing repair, improvement, installation or maintenance services at residential and commercial locations including new construction sites.
Construction – Builders & General Trade Contractors Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling and repair) and hire special trade contractors for their projects. Courier, Mail & Newspaper Delivery Business that earns income by completing the delivery of letters, documents or packages for a fee. Examples include but are not limited to: • Medical samples • Legal documents • Federal Express • Greyhound Package Express
Dirt, Sand & Gravel Business earns income by transporting dirt, sand, gravel or asphalt on a for hire basis. Please verify if any state or federal filings are required. Filing information can be found in the Underwriting Tab. Farming & Livestock Businesses earn income by raising livestock or agricultural production. Examples include: • Farming • Ranching • Fisheries • Nurseries/Floriculture production
Food Services, Restaurants & Pizza Delivery Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc. Landscaping, Snowplowing & Firewood Business earns income by providing Landscaping or Snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood. Examples include but are not limited to: • Lawn care installation or maintenance • Snow removal (residential/commercial) • Tree trimmers • Delivery of firewood
Logging, Log Transport & Sawmills Business earns income working in the logging industry or operating a sawmill. Please verify if any state or federal filings are required.
Manufacturing Establishments engaged in the mass production of products. Manufacturing does not include logging and sawmills, which is a separate category.
Non-Business Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to: • Personal auto titled in the business name • Vehicle not acceptable on a personal policy • Vehicle used to haul: travel trailer, boat, historical vehicles, race vehicle • Stake truck hauling firewood for personal use • Dump truck for clearing own land Passenger Transportation (Not for Hire) Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the way the business earns a profit. Transportation of passengers is not done on a for hire basis. Acceptable risks may include taxicabs, transportation of prisoners or reform school students, transporting of children to and from school, all for hire livery/passenger risks.
Retail Trade Operations Sale of goods in small quantities to public. Services Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc.
Towing Services, Gas Stations & Auto Repair Establishments primarily engaged in providing towing services and auto repair.
Trucking & Transportation of Goods Business earns income by manufacturing or transporting raw materials, goods or equipment. Risks hauling hazardous materials or explosive materials are acceptable.
Wholesale Trade Establishments primarily engaged in mass distribution of durable and/or non-durable goods to retailers.
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