Appetite Guide for

Commercial Insurance
Lansing Branch Office
P.O. Box 30546
Lansing, MI 48909
Phone 800.292.1320
Underwriting FAX 888.992.5144
www.emcins.com

MK8590 E
 Appetite Guide for Commercial Insurance

The EMC Appetite Guide is designed to provide a tool for our Independent Insurance Agents to evaluate EMC Insurance
Companies appetite for various classifications of risk. Our appetite is based on past experience and classification expertise,
and is wide ranging. While using this Guide, remember that no two risks are exactly alike, and that individual risks may be
better or worse than the norm of the classification involved. Because of individual risk variations within classes, accounts
with unacceptable grades may be approved with appropriate justification, while accounts with acceptable grading may not.
All potential policyholders must meet EMC Insurance Companies minimum underwriting requirements to be considered.
Following are color coded grading numbers, with explanations to indicate the degree of desirability of the
occupancy/operation to EMC:
1 - Preferred: A desirable class of business, barring unusual conditions not typical of the occupancy/operation and subject
to normal underwriting requirements.
2 – Desirable:
D i bl A desirable
d i bl class
l off business,
b i b t has
but h conditions
diti or special
i l hazards
h d requiring
ii th t the
that th risk
i k mustt show
h
controls over. Must meet underwriters approval.
3 – Eligible with Proper Characteristics: A marginal class of business, must be better than average in its class to be
considered and be supported by account or agency reasons. Management approval is required.
4 – Typically Ineligible: Considered extremely hazardous, class is not compatible with EMC Insurance Companies
philosophy.
" – " The line of business is more properly classified by a different class, the products/completed operations exposure is
anticipated within the Premises Operations classification, or there is no exposure for that line of business.

For questions regarding this guide, contact your EMC Insurance Companies underwriter or marketing representative.
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Abrasive Wheel Manufacturing 3 2 3 3 1 2
Abrasives Or Abrasive Products Manufacturing 3 2 3 3 1 2
Abrasives Or Abrasive Products Manufacturing – Artificial 3 2 3 3 1 2
Accounting Services 2 2 - 2 2 1
Adhesive Manufacturing 3 2 3 3 1 4
Adhesive Tape Manufacturing 3 2 3 3 1 4
Adult Day Care – Not For Profit 4 3 - 4 3 2
Adult Day Care – For Profit 4 3 - 4 3 2
Advertising And Related Services 2 2 - 2 2 1
Advertising Sign Companies – Outdoor 3 2 - 4 1 1
Aerosol Container Manufacturing 4 3 4 3 1 2
Aerosol Containers – Filling Or Charging For Others 4 4 4 4 3 4
Air Conditioning Equipment Manufacturing 2 2 2 2 1 1
Air Conditioning Equipment – Dealers Or Distributors Only 1 1 1 1 1 1
Air Cond System Or Equip Dealers Or Distribution And Install Service/Repair 2 2 2 3 1 1
Aircraft or Aircraft Parts Manufacturing 4 4 4 2 1 2
Airports – Commercial 4 4 - 4 4 4
Airports – Private 4 4 - 4 4 3
Airport Runway Or Warning Apron – Paving Or Repaving, Surfacing 4 4 4 4 4 -
Air Transportation Companies 4 - - 4 4
Alarm Manufacturing – Burglar 3 3 4 2 1 2
Alarm Manufacturing – Fire Or Smoke 3 4 4 2 1 2
Alarms And Alarm Systems – Installation, Servicing Or Repair 3 2 3 2 1 1
Alarms – Security Systems – Monitoring 4 4 - 4 4 1
Alcohol Manufacturing – Not Beverage 3 3 3 3 3 4
Ambulance Service, First Aid Or Rescue Squads – Not For Profit Only 4 3 3 3 3 1
Ambulance Service, First Aid Or Rescue Squads – Other Than Not For Profit 4 4 4 4 4 1
Amusement Centers 4 3 - 3 2 2
Amusement Devices NOC 4 3 - 3 3 -
Amusement Devices Oper In Conn W/Carnivals And Fairs 4 4 - 4 4 -
Amusement Parks 4 4 4 4 4 4
Analytical Chemists 3 3 3 3 3 3
Anhydrous Ammonia Dealers And Distributors 3 3 3 3 3 3
Animal Mortality 4
Antique Stores 3 2 3 2 2 3
Apartment Buildings 4 3 - 3 2 3
Appliance And Accessories Manufacturing – Commercial – Gas 2 1 3 2 1 1
Appliance And Accessories Manufacturing – Commercial – Not Gas 2 1 3 2 1 1
Appliance And Accessories Manufacturing – Household – Gas 2 1 3 2 1 1

Page 1
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Appliance And Accessories Manufacturing – Household – Not Gas 2 1 3 2 1 1
Appliance And Accessories Installation, Servicing, Or Repair Commercial 2 1 2 2 2 1
Appliance And Accessories Installation, Servicing, Or Repair Household 1 1 1 2 2 1
Appliance Distributors – Household Type 1 1 1 2 1 1
Appliance Distributors – Household Type – Radio TV or CD Players 1 1 1 2 1 1
Appliance Stores – Household Type 2 2 1 2 2 1
Archery Ranges – NOC 4 4 - 4 1 -
Armored Car Service Companies 4 4 - 4 4 1
Armories – Government Owned 2 - - - - 2
Army And Navy Stores 3 3 3 2 2 3
Art Galleries – Not For Profit Only 2 2 2 2 2 2
Art Galleries – Other Than Not For Profit 2 2 2 2 2 2
Asbestos Goods Manufacturing 4 4 4 4 4 4
Asphalt Or Tar Distilling Or Refining 3 3 3 3 2 4 Batch plant not acceptable
Asphalt Works 3 3 3 3 2 4 Batch plant not acceptable
Athletic Games Sponsored By The Insured Not For Profit Only 4 3 - 3 3 -
Athletic Games Sponsored By The Insured Other Than Not For Profit 4 4 4 4 4 -
Auctioneers – Livestock Sales Conducted Away from Insd Premises 3 3 - 3 2 3
Auctioneers – Sales Conducted Away from Insd Premises 2 2 - 2 2 3
Auctions – On Premises Owned Or Rented By The Insured 2 2 - 2 2 3
Automobile Body Shops 3 2 2 2 3 3 Approved spray booth; no more than 12 vehicle sales per year
Automobile, Bus And Truck Body Manufacturing 4 3 4 3 2 2
Automobile, Bus Or Truck Parts Manufacturing Brakes or Brake lining 4 3 4 3 2 2
Automobile, Bus Or Truck Parts Manufacturing No Operating Parts 3 2 3 3 2 2
Automobile, Bus Or Truck Parts Manufacturing Operating Parts 3 2 4 3 2 2
Automobile, Bus Or Truck Parts Manufacturing – Passenger Restraining Devise 4 2 4 3 2 2
Automobile Dealers (Franchised Only) 3 3 3 3 3 2
Automobile Dismantling 4 3 4 4 3 3
Automobile Manufacturing Or Assembling 4 3 4 3 2 2
Automobile Parts And Supplies Distributors 2 1 2 2 1 1
Automobile Parts And Supplies Stores 2 2 2 2 1 1
Automobile Quick Lube Service 4 2 - 2 2 1
Automobile Renting Or Leasing Companies 4 4 - 4 4 1
Automobile Repair Or Service Shops Noc 2 2 2 2 2 2
Automobile Repair Shops – Self-Service 4 3 3 2 2 2
Baby Food Manufacturing – NOC 3 3 4 2 1 2
Baby Food Manufacturing – In Glass Containers 3 3 4 2 1 2
Bakeries 2 1 2 2 1 3
Bakery Plants 2 1 3 2 2 2

Page 2
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Barber Or Beauty Shop Supplies Distributors 1 1 2 1 1 2
Barber Shops 1 1 - 1 1 1
Bars And Taverns 4 4 - 3 2 4
Battery Manufacturing – Dry Cell 3 3 3 3 2 3
Battery Manufacturing – Wet Cell Or Storage 3 3 3 3 2 4
Bazaars Operated By Insd Not For Profit Only 3 3 - 3 2 -
Bazaars Operated By Insd Other Than Not For Profit 3 3 - 3 2 -
Beach Chairs And Umbrellas Rented To Others 3 3 - 3 2 -
Beaches – Bathing – Commercially Operated 4 4 - 4 4 2
Beaches – Bathing – Not Commercially Operated 4 3 - 3 3 2
Bearing Manufacturing 2 2 3 2 1 2
Beauty Parlors And Hair Styling Salons 2 2 2 2 2 1
Beer, Ale Or Malt Liquor Manufacturing In Bottles 2 2 3 2 2 2 No restaurant operations
Beer, Ale Or Malt Liquor Manufacturing In Cans 2 2 3 2 2 2 No restaurant operations
Beer, Ale Or Malt Liquor Manufacturing Not Bottled or Canned 2 2 3 2 2 2 No restaurant operations
Beverage Bottler – Soft Drinks – Carbonated in Cans/Plastic Bottles 2 2 3 2 2 1
Beverage Bottler – Soft Drinks – Carbonated In Glass Bottles 2 2 3 2 2 1
Beverage Bottler – Soft Drinks – In Metal Cylinders 2 2 3 2 2 1
Beverage Bottler – Soft Drinks – In Paper Containers 2 2 3 2 2 1
Beverage Bottler – Soft Drinks – Not Carbonated In Bottles Or Cans 2 2 3 2 2 1
Beverage Distributors – Alcoholic Other Than Beer 3 2 2 3 3 1
Beverage Distributors Nonalcoholic And Beer 3 2 2 3 3 1
Beverage Stores – Liquor And Wine 3 2 2 3 2 1 No liquor legal
Beverage Stores – Soft Drinks And Beer 3 2 2 3 2 1 No liquor legal
Bicycle Manufacturing – Not Motorized 3 3 4 2 2 1
Bicycle Stores – Sales And Servicing 2 2 3 2 2 1
Bicycles – Rented To Others 3 3 - 2 2 -
Billiard Or Pool Halls 4 4 - 4 4 4
Billiard Or Pool Table Manufacturing 2 2 2 2 2 3
Bingo Games – In Public Halls Or Theaters – Commercially Operated 2 3 - 2 2 2
Blacksmithing 3 3 - 3 2 2
Blasting Operations 4 4 - 4 4 -
Blood Banks 4 4 - 4 2 2
Boarding Or Rooming Houses 4 4 - 4 4 4
Boat Or Ship Building 4 4 4 4 3 3
Boat Dealers (Franchised Only) 2 3 2 1 1 2
Boat Repair And Servicing 2 2 3 3 1 1
Boat Storage And Moorage 2 3 - 3 2 1
Boat Yards Or Marinas – Public 4 4 4 4 4 3

Page 3
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Boats – Canoes Or Rowboats For Rent Not Equipped With Motors 4 4 - 3 2 -
Boats – Canoes Or Rowboats Not For Rent Not Equipped With Motors 4 3 - 3 2 -
Boats – Motor Or Sail – Not For Rent 4 3 - 3 2 -
Boats – Motor Or Sail – Rented To Others 4 4 - 3 2 -
Boats – Nonowned Over 26 Feet 4 3 - 2 2 -
Boats – Not For Rent NOC 4 4 - 3 2 -
Boats – Rented To Others NOC 4 4 - 3 2 -
Boiler Inspection, Installation, Cleaning Or Repair 4 3 3 3 2 2
Bolt, Nut, Rivet, Screw Or Washer Manufacturing 2 1 3 2 2 2
Bookbinding And Printers Supplies 2 2 - 2 1 1
Bookbinding – Not For Profit Only 2 2 - 2 1 2
Bookbinding – Other Than Not For Profit 2 2 - 2 1 2
Book Distributors 2 2 2 2 2 1
Bookkeeping Services 2 2 - 2 2 1
Book And Magazines Stores Not For Profit Only 3 3 - 3 3 1
Book And Magazines Stores Other Than Not For Profit 2 2 - 2 1 1
Bottle And Jar Manufacturing – Glass – Not For Use Under Pressure 2 1 3 3 1 2
Bottle And Jar Manufacturing – Plastic – Nonreturnable 3 1 3 3 1 3
Bottle And Jar Manufacturing – Plastic – Returnable 3 1 3 3 1 3
Bowling Lanes 4 4 - 4 2 4
Boxes Or Containers Manufacturing – Corrugated Or Fiberboard 3 1 3 3 1 3
Boxes Or Containers Manufacturing – Wood 3 1 3 3 1 3
Boy Or Girl Scout Councils (Not Camps) 3 3 - 3 3 1
Bottle And Jar Manufacturing – Glass – For Use Under Pressure Nonreturnable 2 1 3 3 1 2
Bottle And Jar Manufacturing – Glass – For Use Under Pressure Returnable 2 1 3 3 1 2
Brick Manufacturing 2 1 2 2 2 2
Bridge Or Elevated Highway Construction 4 4 4 4 4 -
Brush Or Broom Manufacturing 2 1 2 2 1 3
Builder's Risk for insured contractors 3 - - - - 3
Building Material Dealers (Minimal Lumber For Property) 2 2 2 2 2 2
Building Material Dealers – Other Than Secondhand Material 3 2 3 3 3 2
Building Material Dealers – Secondhand Material 3 3 3 3 3 4
Building Material Distributors (Minimal Lumber For Property) 2 1 2 2 2 2
Building Structure – Raising Or Moving 4 4 4 4 4 4
Buildings Or Premises – Bank 2 3 - 3 2 1
Building or Premises – Office Not for Profit Only 2 2 - 2 2 1
Building or Premises – Other than Not for Profit 2 2 - 2 2 1
Buildings Or Premises – Bank Or Office Mercant/ Manufacturing Lessor's Risk NFP 2 2 - 2 2 -
Buildings Or Premises – Bank Or Office Mercant/Mfg Less Risk Other than NFP 2 2 - 2 2 -

Page 4
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Bldgs Or Prem – Bank/Office Mercant/ Manufacturing Maintained By Insured NFP 2 2 - 2 2 -
Bldgs Or Prem – Bank/Office Mercant/Mfg Maintained By Insured Other than NFP 2 2 - 2 2 -
Bldgs Or Prem Office Prem Occ By Emp Of Insured Not For Profit Only 2 2 - 2 2 1
Bldgs Or Prem Office Prem Occ By Emp Of Insured Other Than Not For Profit 2 2 - 2 2 1
Bus Manufacturing Or Assembling Or Reconstruction 4 3 4 3 2 2
Bus Stations Or Terminals 2 3 - 2 2 2
Bus Transportation Companies – Passenger And Commuter 4 - - 4 4 -
Bus Transportation Companies – Scenic And Sightseeing 4 - - 4 4 -
Business Services – NOC (except personal care) 3 - - 3 2 1
Buttons Or Fasteners Manufacturing 2 1 3 2 2 2
Cable Installation In Conduits Or Subways 2 2 2 2 2 2
Cable or Subscription Television Companies 2 2 - 3 2 1
Caisson or Cofferdam Work 4 4 4 4 4 -
Camera And Photographic Equipment Stores 1 1 1 1 1 1
Camper Bodies or Camper Trailers Manufacturing 4 4 4 2 2 3
Camper or Trailer Sales Agencies 2 2 2 2 2 2
Campers Manufacturing Self-Powered 4 4 4 3 2 3
Campgrounds 3 3 - 3 2 2
Camps 4 4 - 4 4 4
Can Manufacturing Metal 3 1 3 3 2 2
Candle Manufacturing 2 1 2 2 1 4
Candy Or Confectionery Products Manufacturing 2 1 3 2 1 2
Candy Or Confectionery Stores 2 2 2 1 1 1
Car Washes 2 3 - 3 2 2
Car Washes – Self Service 2 2 - 2 2 3
Carnival Or Circus Companies 4 4 - 4 4 4
Carpentry Construction Of Residential Prop Not Exceeding 3 Stories 2 1 1 3 1 1 Subs must be less than 25%
Carpentry NOC – No Generals 2 1 2 3 1 1
Carpentry – Interior 2 1 1 3 1 1
Carpentry – Shop Only 2 1 1 2 1 3
Carpet Or Rug Manufacturing 2 1 3 2 1 3
Carpet, Rug, Or Furniture Or Upholstery Cleaning On Customers Premises 2 2 - 3 2 -
Carpet, Rug Or Upholstery Cleaning – Shop Only 2 1 - 2 2 1
Caterers 3 2 3 3 3 2
Caulking Compounds, Putty Or Similar Products Manufacturing 3 1 4 2 1 3
Caves – Tourists Attraction 4 4 - 4 4 4
Ceiling Or Wall Installation – Metal 3 2 2 3 1 1
Cellophane And Cellophane Products Manufacturing 3 2 3 3 2 4
Cement, Concrete Mix or Plaster Manufacturing Packaged 3 2 3 3 2 1

Page 5
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Cement or Plaster Manufacturing Bulk 3 2 3 3 1 1
Cemeteries – Not For Profit Only 2 2 - 2 2 1
Cemeteries – Other Than Not For Profit 2 2 - 2 2 1
Charcoal Or Coal Briquette Manufacturing 3 1 3 3 1 4
Chemical Distributors – dependant on the chemical 3 3 3 3 3 3
Chemical Manufacturing – Commercial Or Industrial 4 4 4 4 4 4
Chemical Manufacturing – Household 4 4 4 4 4 4
Children's Play Centers – Indoors 3 4 - 2 2 2
Chimney Cleaning 3 3 - 4 2 1
China, Porcelain Or Earthenware Manufacturing 2 1 3 2 1 2
Churches Or Other Houses For Worship 2 2 - 2 2 1
Clay Or Shale Digging 3 3 2 3 2 2
Clay Products Manufacturing 3 2 3 3 2 2
Cleaning Outside Surfaces Of Buildings15 ft or less 3 2 - 4 1 -
Clock Manufacturing 2 1 2 2 1 1
Clothing Manufacturing 2 1 3 2 1 2
Clothing or Wearing Apparel Distributors 3 1 3 1 1 1
Clothing Or Wearing Apparel Stores Not For Profit Only 3 3 - 3 3 1
Clothing Or Wearing Apparel Stores Other Than Not For Profit 2 2 - 2 1 1
Club – Civic, Service Or Social Having Buildings Or Prem Owned 2 2 - 2 2 2
Club – Civic, Service Or Social No Buildings Except For Office 2 2 - 2 2 2
Clubs – Country And Golf 3 3 - 3 2 3
Clubs – Horseback Riding – No Commercial Riding Instructions 4 4 - 4 3 4
Clubs – Racket Sports And Handball 4 3 - 4 2 2
Clubs – Swimming 4 3 - 4 2 1
Coffins Or Caskets Manufacturing 2 1 2 3 2 3
Coke Manufacturing 3 1 3 3 1 3
Collectibles And Memorabilia Stores 2 2 - 1 1 3
Collection Agencies – No PI or door to door 3 3 - 3 3 1
Color Or Pigment Preparation 3 2 3 3 2 4
Commissary Work 2 2 - 2 1 -
Commodity Brokers And Dealers 3 3 - 3 2 1
Commodity Exchanges 3 3 - 3 2 1
Communication Equipment Installation – Industrial And Commercial 2 1 2 2 1 1
Communication Or Recording Systems Or Equipment Manufacturing 2 1 3 2 1 2
Communication Or Recording Systems Or Equipment Manufacturing Ind And Commercial 2 1 3 2 1 2
Community Recreational Facilities – Not Operated By A Government Agency 3 3 - 2 2 2
Composition Goods Manufacturing – Not Floor Coverings 2 1 2 3 1 2
Computer Consulting Or Programming 4 4 4 2 1 1

Page 6
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Computer Data Processing Operations 4 4 4 2 1 1
Computer Data Processing Timesharing 4 4 4 2 1 1
Computer Manufacturing 4 4 4 2 2 2
Computer Service Or Repair 4 4 4 2 2 1
Computer Software Manufacturing – Prepacked 4 4 4 2 1 2
Computer Stores 4 4 4 2 2 2
Concessionaires 3 3 - 3 3 1
Concessionaires – Check Room, Shoeshine, Or Toilet Con Hotels/Rest 2 2 - 2 2 1
Concrete Construction 3 3 2 3 2 1
Concrete – Mixed In Transit 3 2 2 3 3 1
Concrete Or Cement Distribution Towers Rented To Others Inst/Repair 3 3 - 3 2 1
Concrete Or Plaster Products Manufacturing – Not Structural 2 1 2 3 2 1
Concrete Products Manufacturing – Prestressed 3 1 3 3 2 1
Concrete Products Manufacturing – Structural 3 1 3 3 2 1
Condos – Commerciall Bank Or Mercantile, Manufacturing Or Office (Assoc Risk) 1 1 - 1 1 1
Condominiums – Commercial Shopping Centers (Assoc Risk Only) 2 2 - 2 1 3
Condominiums – Commercial Warehouses Manufacturing Or Private (Assoc Risk Only) 2 2 - 2 1 3
Condominiums – Residential – (Association Risk Only) 3 3 - 2 1 3
Conduit Construction For Cables Or Wires 2 2 2 3 2 1
Consultants – NOC Consultants 3 3 3 3 3 1
Contact Lens Manufacturing 3 3 4 2 2 1
Contractors Noc–No Generals 3 2 3 3 2 -
Contractors Equip Dealers – Ladders Excl Hoists, Scaffolds Or Towers 4 4 4 4 4 1
Contractors Permanent Yards – Maintenance Or Storage Equip/Material 2 2 - 2 2 2
Convenience Food Stores 2 2 2 3 1 2
Convenience Food/Gasoline Stores – Full Service 3 3 2 3 2 2
Convenience Food/Gasoline Stores – Self Service 3 3 2 3 2 2
Convenience Food/Gasoline Stores – Self And Full Service Combined 3 3 2 3 2 2
Convenience Store Without Cooking Exposure 3 3 2 2 2 2
Convenience Store With A Cooking Exposure 3 3 3 3 3 3
Conventions (Sponsor's Risk Only) Not For Profit Only 3 3 - 2 2 -
Conventions (Sponsor's Risk Only) Other Than Not For Profit 3 3 - 2 2 -
Convents Or Monasteries 3 4 - 2 2 3
Copying And Duplicating Services – Rental 2 2 - 2 2 1
Cosmetic, Hair Or Skin Preparation Stores 2 2 3 2 2 1
Cosmetics Manufacturing 3 2 3 3 2 3
Cotton Batting, Wadding Or Waste Manufacturing 3 3 3 3 3 3
Cotton Or Wool Merchants 2 2 2 3 2 3
Credit Reporting Agencies – No PI 2 2 - 2 2 1

Page 7
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Crematories – Not For Profit Only 2 2 - 3 2 2
Crematories – Other Than Not For Profit 2 2 - 3 2 2
Crop Spraying – By Contractors 4 4 - 4 4 4
Cutlery (Not Powered) And Flatware Manufacturing 3 2 3 3 2 2
Dairy Products Mfg 3 2 3 3 3 3
Dairy Products Or Butter And Egg Stores – Not For Profit Only 2 2 2 2 2 1
Dairy Products Or Butter And Egg Stores – Other Than Not For Profit 2 2 2 2 2 1
Dam, Levee Or Dike – Existence Hazard Only 4 4 - 2 2 -
Dam Or Reservoir Construction 4 3 4 4 2 1
*
Dance Halls Or Ballrooms – Not For Profit Only 4 3 - 2 2 3
Dance Halls Or Ballrooms – Other Than Not For Profit 4 4 - 4 4 4
Dance Halls Or Ballrooms 4 4 - 4 4 4
Day Care Centers – Not for Profit Only 4 4 4 4 4 2
*
Day Care Centers – Not in Home 4 4 4 4 4 2
*
Debris Removal – Construction Site 3 3 3 4 3 1
Delicatessens 2 2 2 2 2 1
Dental Laboratories – No Professional Liability 2 2 3 1 2 1
Department Or Discount Stores 2 2 2 2 2 2
Detective Or Investigative Agencies – Private 4 4 - 4 4 1
Detergent Manufacturing – Household 3 2 3 3 1 3
Detergent Manufacturing 3 2 3 3 1 3
Dextrine Manufacturing 3 2 3 3 1 3
Diagnostic Testing Laboratories 2 2 - 2 2 1
Die Casting Manufacturing 2 1 3 3 1 2
Dike, Levee Or Revetment Construction 4 3 4 4 2 1
Distillation Or Extraction 3 2 3 3 2 4
Distributors – Food Or Drink 2 2 2 2 2 1
Distributors – No Food Or Drink 2 2 2 2 2 1
Diving – Marine 4 4 4 4 4 -
Dock Operations – Coal, Grain Or Ore 4 4 4 4 4 4
Door Or Window Manufacturing – Metal 3 1 3 2 1 2
Door Or Window Manufacturing – Wood 3 1 3 2 1 3
Door, Window Or Assemble Millwork – Installation Metal 2 1 3 2 1 2
Draftsmen 1 1 - 1 1 1
Drawbridges – Existence Hazard Only 4 4 - 4 4 4
Dredging 4 4 4 4 4 4
Drilling 4 4 4 4 4 3
Drilling – Water 2 3 3 3 2 1
Driveway, Parking Area Or Sidewalk – Paving Or Repaving 2 2 2 2 2 1

Page 8
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Drug Distributors 4 4 4 3 2 2
Drug Manufacturing – Biological Products 4 4 4 4 2 4
Drug, Medicine Or Pharmaceutical Preparations Manufacturing 4 4 4 4 2 4
Drugstores 2 2 3 2 2 2
Drugstores – No Table Or Counter Service For Beverage Or Food 2 2 3 2 2 2
Drums Or Containers Manufacturing – Metal 3 2 3 3 2 3
Drums Or Containers Manufacturing – Plastic 3 2 3 3 2 3
Dry Wall Or Wallboard Installation 3 2 1 4 1 1
Dwelling – 1 Family (Lessor's Risk Only) 3 2 - 2 1 3
Dwelling – 2 Family (Lessor's Risk Only) 3 2 - 2 1 3
Dwelling – 3 Family (Lessor's Risk Only) 3 2 - 2 1 3
Dwelling – 4 Family (Lessor's Risk Only) 3 2 - 2 1 3
Electrical And Lighting Stores 2 2 2 2 2 2
Electrical Apparatus – Installation, Service, Or Repair 2 2 3 3 1 1
Electrical Contractors 2 2 3 3 1 2
Electrical Equipment Distributors 2 1 2 2 2 1
Electrical Equipment Manufacturing 3 1 3 3 1 2
Electrical Equipment Manufacturing For Direct And Indirect Application To Body 3 3 4 3 1 2
Electrical Generating Machinery Manufacturing 3 1 3 3 1 2
Electric Light Or Power Companies 4 3 - 3 3 2
Electric Light Or Power Cooperatives – Rural Electrification Admin 4 3 - 3 3 2
Electric Light Or Power Line Construction 4 4 4 4 4 1
Electric Light Or Power Line Construction Rural Electrification Admin 4 4 4 4 4 1
Electrical Parts, Components Or Accessories Manufacturing 3 1 3 3 1 2
Electrical Power Distribution Or Transmission Equipment Manufacturing 3 1 3 3 1 2
Electrical Wire Or Cable Manufacturing 3 1 3 3 1 2
Electrical Work – Within Buildings 2 1 2 2 1 1
Electronic Components Manufacturing 2 1 3 2 1 2
Electronic Games Manufacturing 2 1 2 3 1 2
Electronic Stores 3 3 3 2 2 2
Electroplating 3 1 2 3 1 3
Elevator Or Escalator Inspecting, Installation, Service Or Repair 4 4 - 4 2 1
Elevator Manufacturing 4 4 4 4 1 2
Employee Benefit Plans – Labor Union 2 2 - 2 2 1
Employee Benefit Plans – Other Than Labor Union 2 2 - 2 2 1
Employment Agencies – No Temp Labor Type Operations 3 3 - 4 2 1
Engine Or Turbine Manufacturing – Not Aircraft 3 1 3 3 1 2
Engrs Or Architects – Consulting – Not Engaged In Actual Construction 2 2 - 2 1 1
Engraving 2 2 - 2 1 1

Page 9
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Entertainment Performed On Others' Premises 4 3 - 2 2 -
Equipment, Fixtures And Supplies For Bars, Hotels, Offices, Rest Distr 2 1 2 2 2 1
Escalator Or Moving Sidewalk Manufacturing 4 4 4 3 2 2
Escrow Agencies – Real Estate 3 3 - 3 2 1
Escrow Agencies – Other Than Real Estate 3 3 - 3 2 1
Excavation 3 3 3 4 2 1
Exercise Or Playground Equipment Manufacturing 3 1 4 3 2 2
Exhibition Or Convention Buildings – Not For Profit Only 3 3 - 2 2 3
Exhibition Or Convention Buildings – Other Than Not For Profit 3 3 - 2 2 3
Exhibitions – In Buildings – Not For Profit Only 2 3 - 2 2 -
Exhibitions – In Buildings – Other Than Not For Profit 2 3 - 2 2 -
Exhibitions – In Buildings – No Admission Charged Not For Profit Only 2 3 - 2 2 -
Exhibitions – In Buildings – No Admission Charged Other Than Not For Profit 2 3 - 2 2 -
Exhibitions – Outside Ushers/Other Attendants Not Provided By Insured 2 3 - 2 2 -
Exhibitions – Outside Ushers And Other Attendants Provided By Insured 2 3 - 2 2 -
Exhibitions – Outside – No Stadiums Or Grandstands 2 3 - 2 2 -
Explosive Or Fireworks Manufacturing 4 4 4 4 4 4
Express Companies 4 2 - 4 4 1
Extracts Manufacturing 3 1 3 3 1 3
Eye Glass Lens Manufacturing 2 1 3 2 2 1
Fabric Distributors 2 1 2 2 2 2
Fabric Stores 2 2 1 2 1 1
Fair Grounds – Non-Operations Season 4 4 - 2 1 3
Fairs – Outside (Operator's Risk Only) 4 4 - 4 4 3
Farm Machinery Operations – By Contractors 3 2 - 4 3 1
Feed, Grain Or Hay Dealers 3 3 2 3 2 3
Feed Manufacturing 3 2 3 3 2 4
Fence Dealers 2 2 2 2 2 2
Fence Erection Contractors 2 2 2 3 2 2
Fertilizer Dealers And Distributors 3 3 3 4 3 3
Fertilizer Manufacturing 4 4 4 4 4 4
Fiber Manufacturing 3 3 3 3 3 3
Fiber Mfg – Synthetic 3 3 3 3 3 3
Fiberglass Manufacturing 4 4 4 4 4 4
Fire Departments 4 3 - 4 3 1
Fire Departments – Volunteer 4 3 - 4 3 1
Fire Extinguishers – Servicing, Refilling Or Testing 3 2 3 2 2 1
Fire Extinguishers Manufacturing 3 3 4 3 1 2
Fire Protection Equipment Dealers And Distributors 3 3 4 2 2 2

Page 10
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Fire Suppression Systems – Installation, Servicing Or Repair 3 3 4 2 2 2
Fire Suppression System Manufacturing 4 4 4 3 2 2
Firearms Manufacturing 4 4 4 4 4 4
Fireproofing – Structures 3 3 4 3 2 -
Fireworks Exhibitions 4 4 - 4 4 -
Fish Farm 3 3 - 3 2 -
Fishing Piers 3 3 - 3 2 3
Fishing Ponds Or Lakes – Commercially Operated 3 3 - 3 2 -
Floor Covering Distributors 2 1 2 2 2 2
Floor Covering Installation Not Ceramic Tile Or Stone 3 2 2 3 2 2
Floor Covering Manufacturing – Not Carpets, Rugs, Ceramic Or Stone Tiles 3 2 3 3 2 -
Floor Covering Stores 2 2 2 2 2 2
Floor Waxing 3 3 - 2 2 -
Florists 2 2 - 2 2 1
Food Products Manufacturing – Dry 2 1 3 2 1 2
Food Products Manufacturing – Frozen 2 1 3 2 1 2
Food Products Manufacturing – Not Dry – In Glass Containers 2 1 3 2 1 2
Food Products Manufacturing – Not Dry – In Other Than Glass Containers 2 1 3 2 1 2
Forging Work 3 2 3 4 1 3
Formal Wear Or Costumes – Rented To Others 2 2 - 2 2 1
Foundries 3 2 3 4 1 4
Fraternal Orders 2 2 - 2 2 -
Freight Forwarders Or Handlers 3 2 - 3 3 2
Freight Forwarders Or Handlers Pkng/Handling/Shipping/Explosives 4 4 - 4 4 4
Frozen Food 2 1 2 2 3 2
Frozen Food – Distributors (Changed from Frozen Food) 2 1 2 2 3 2
Fruit Or Vegetable Dealers 2 2 2 2 2 2
Fruit Or Vegetable Distributors 3 1 2 3 3 2
Fruit Or Vegetable – Harvesting Contractors 4 1 - 4 4 -
Fruit Or Vegetable Juice Manufacturing No Bottling Or Carbonated Beverages 2 1 3 2 2 2
Fumigating 4 4 - 4 4 4
Funeral Home Or Chapels 2 2 - 3 1 1
Fur Garment Manufacturing 3 1 2 3 1 4
Fur – Garments And Pelts – Distributors 3 1 2 3 2 4
Fur Or Pelt Processing 3 1 2 3 2 4
Furniture Manufacturing Or Assembling – Infants 4 1 4 3 2 3
Furniture Manufacturing Or Assembling – Other Than Wood 3 1 3 3 2 3
Furniture Manufacturing Or Assembling – Wood 3 1 3 3 2 3
Furniture Or Fixtures – Installation In Office Or Stores Portable 2 2 2 2 2 1

Page 11
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Furniture Or Woodwork Stripping, Refinishing Or Repair Shop Only 3 3 - 3 2 4
Furniture Stores – Not For Profit Only 3 3 3 3 3 2
Furniture Rental Stores (Rent To Own) 3 3 3 4 3 2
Furniture Retail Stores – Other Than Not For Profit 2 2 2 2 2 2
Galvanizing Or Tinning 3 1 3 3 2 2
Gambling – Casinos 4 4 4 4 4 4
Gambling – Incidental To Other Operations 2 2 - 2 2 -
Garbage, Ash Or Refuse Collecting 4 3 - 4 4 3
Garbage Or Refuse Dumps 4 4 - 4 4 -
Garbage Works – Sep For Recycling, Reduction Or Incineration 4 4 - 4 4 3
Gardening And Light Farming Supply Distributors 2 2 2 2 2 1
Gas Companies 4 4 - 4 4 3
Gas Mains Or Connections Construction 4 4 4 4 4 1
Gas Manufacturing – Inert 4 4 4 4 4 4
Gas Manufacturing – Primarily Flammable, Explosive Or Reactive 4 4 4 4 4 4
Gasoline Or Oil Supply Stations – Retail – (Lessor's Risk Only) 2 2 - 2 2 1
Gasoline Recovery – From Casing Head Or Natural Gas 4 4 4 4 4 -
Gasoline Station – Full Service 3 3 2 3 2 2
Gasoline Station – Self Service 3 3 2 3 2 2
Gasoline Station – Self And Full Service Combined 3 3 2 3 2 2
Gemstone Cutting Or Polishing 2 1 - 3 1 3
Geophysical Explorations 3 3 - 2 2 -
Geophysical Exploration – Seismic Method 3 3 - 2 2 -
Gift Shops – Not For Profit Only 2 2 1 2 1 1
Gift Shops – Other Than Not For Profit 2 2 1 2 1 1
Glass Dealers And Glaziers 2 2 1 3 1 1
Glass Or Glassware Manufacturing 2 1 3 3 1 2
Golf Courses – Miniature 2 2 - 2 1 2
Golf Courses – Municipal Or Public Not Golf Or Country Club 3 3 - 3 1 2
Golf Driving Ranges 3 3 - 3 1 2
Golf mobile – Loaned Or Rented To Others 3 3 - 2 2 -
Government, Federal 3 - - 3 3 -
Government State – State, etc. Including Police Department 3 - - 3 3 1
Government State – State, etc. Excluding Police Department 3 - - 3 3 1
Government State – Police Dept of State, County, City, etc. 4 - - 3 3 1
Govtl Subdivision, Muni., Not State Or Federal; 0 – 15000 3 3 3 3 3 1
Govtl Subdivision, Muni., Not State Or Federal; 25,001 And over 4 4 3 3 3 1
Govtl Subdivision, County, Not State Or Federal; 0 – 50000 4 4 4 4 4 1
Govtl Subdivision, County, Not State Or Federal; 50,000 And over 4 4 4 4 4 1

Page 12
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Grading Of Land 3 2 2 3 2 -
Grain Elevator Operations 4 4 3 4 2 4
Grain Milling 4 4 3 4 2 4
Grandstands Or Bleachers – Not For Profit Only 3 3 - 2 2 2
Grandstands Or Bleachers – Other Than Not For Profit 3 3 - 2 2 2
Greenhouses 3 - - 3 2 3 Not glass construction
Greenhouse Erection 2 2 2 2 2 2
Grocery Distributors 2 2 2 2 2 3
Grocery Stores 3 2 2 3 1 3
Guides Or Outfitters 4 4 - 4 4 -
Guniting Or Shot – Crete 3 2 3 3 2 1
Gunsmiths 4 3 4 3 2 3
Halls Not For Profit Only 2 3 - 2 2 2
Halls Other Than Not For Profit 2 3 - 2 2 2
Handyman 3 3 2 3 1 2
Hardware And Tool Distributors 2 1 2 2 2 1
Hardware Stores 2 2 2 2 2 1
Hazardous Material Contractors 4 4 4 4 4 4
Health Care Facilities – Hospital 4 4 4 4 4 1 We have a special Hospital form, CP7132
Health Maintenance Organization 2 2 - 2 2 1
Health Or Exercise Clubs 4 4 - 4 2 2
Health Or Exercise Facilities – Commercially Operated 4 4 - 4 2 2
Health Or Natural Food Stores 2 2 2 2 1 2
Hearing Aid – Distributors 2 2 2 2 2 1
Hearing Aid Stores 2 2 3 2 2 1
Heating Or Combined Heating And Air Cond Equipment Dealers/Distrib Only 3 1 2 3 2 1
Heating Or Combined Heating And Air Cond Equipment Dealers/Rep/Serv 3 2 2 3 2 1
Heating Or Combined Heating And Air Cond Equipment Dealers/Repair/No LPG 3 2 2 3 2 1
Heating Equipment Manufacturing – Coal Or Wood 3 1 3 3 1 2
Heating Equipment Manufacturing – Electric 3 1 3 3 1 2
Heating Equipment Manufacturing – Fuel Oil Or Kerosene 3 1 3 3 1 2
Heating Equipment Manufacturing – Gas Or Liquefied Petroleum Gas 3 1 3 3 1 2
Hide Dealers And Distributors – Raw 2 2 2 2 2 3
Hobby, Craft Or Artist's Supply Store 2 2 2 2 2 1
Hobby, Craft or Artists’ Supply – Distributors 2 2 2 2 2 1
Home Furnishings Stores 2 2 2 2 2 2
Home Health Care Services – Not For Profit 4 4 - 4 3 1
Home Health Care Services – Other Than Not For Profit 4 4 - 4 3 1
Home Improvement Stores 2 2 2 2 1 2

Page 13
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Hone, Oilstone Or Whetstone Manufacturing 2 2 3 3 1 2
Honey Extracting 2 2 3 2 1 2
Hot Air Balloons Operations 4
Hotels And Motels, May Include Pool Or Beach, Less Than 4 Stories 3 3 - 2 2 2
Hotels And Motels, May Include Pool Or Beach, 4 Stories Or More 4 3 - 3 2 3
House Furnishings Installation 3 2 1 3 2 -
Housing Projects – Federal, State, Local 4 4 - 4 4 4
Hunting Preserves – Not For Profit Only 4 4 - 4 4 -
Hunting Preserves – Other Than Not For Profit 4 4 - 4 4 -
Ice Cream Stores 2 2 2 2 1 1
Ice Dealers And Distributors 2 2 - 3 2 1
Importers 3 2 3 3 2 1
Ink Manufacturing 3 1 3 3 1 3
Inner Tubes Manufacturing 3 1 3 3 1 3
Inspection And Appraisal Companies Inspect For Ins Or Valuation Purp 3 3 - 2 2 1
Instrument Manufacturing 2 1 3 2 1 2
Instrument Manufacturing – Analytical, Calibrating, Measuring, Testing/Record 2 1 3 2 1 2
Instrument Manufacturing – Control 2 1 3 2 1 2
Insulating Material Manufacturing – Mineral 3 2 3 3 1 2
Insulating Material Manufacturing – Organic 3 2 3 3 1 2
Insulating Material Manufacturing – Plastic 3 2 3 3 1 2
Insulating Material Manufacturing – Plastic For Application In A Solid State 2 2 3 3 1 2
Insulation Work – Mineral 2 2 3 3 2 2
Insulation Work – Organic Or Plastic In Solid State 2 2 3 3 2 2
Insulation Work – Plastic 2 2 3 3 2 2
Insurance Agents 2 2 - 2 2 1
Interior Decorators 1 1 1 1 1 1
Internet Access Providers 4 4 - 2 2 -
Internet Retailers 4 4 4 2 2 -
Internet Service Providers 4 4 - 2 2 -
Investment Advice – No Professional 4 4 - 2 2 1
Irrigation Or Drainage System Construction 3 3 3 3 2 1
Irrigation Works Operations 3 3 - 2 2 1
Janitorial Services 3 2 - 3 2 -
Janitorial Supplies – Dealers And Distributors 2 2 2 2 2 2
Jetty Or Breakwater Construction 4 4 4 4 4 2
Jewelry Manufacturing 2 1 3 2 1 2
Jewelry Stores Or Distributors 2 2 - 1 1 1 No jewlers block
Junk Dealer 4 3 3 4 3 4

Page 14
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Kennels – Breeding, Boarding Or Sales 3 3 - 3 2 2
Labor Union Offices 3 3 - 4 2 2
Laboratories – Research, Development Or Testing – Not For Profit Only 3 3 4 3 2 2
Laboratories – Research, Development Or Testing – Other Than Not For Profit 3 3 4 3 2 2
Ladder Manufacturing 3 4 4 2 1 2
Ladder Manufacturing – Wood 3 4 4 3 1 3
Lakes Or Reservoirs Existence Hazard Only Not For Profit 3 3 - 3 3 -
Lakes Or Reservoirs Existence Hazard Other Than Not For Profit 3 3 - 3 3 -
Lamp Shade Manufacturing 1 1 2 2 1 2
Lamps Or Lanterns Manufacturing 2 1 3 3 1 2
Lamps Or Lanterns Manufacturing – Electric 2 1 3 3 1 2
Land – Occupied By Persons Other Than Insured (Lessor's Risk Only) 1 1 - 1 1 -
Landscape Gardening 2 2 - 3 2 1
Laundries And Dry Cleaners – Self – Service 2 2 - 2 2 2
Laundries And Dry Cleaning Plants 1 1 - 3 1 2
Laundry And Dry Cleaning Or Dyeing Receiving Stations 2 2 - 2 2 1
Laundry And Dry Cleaning Stores 2 2 - 2 2 1
Laundry Rental Service 2 2 - 2 2 1
Lawn Care Services 2 2 - 3 2 1
Lawyers Offices – Not For Profit Only 2 2 - 2 2 1
Lawyers Offices – Other Than Not For Profit 2 2 - 2 2 1
Lead Mfg – Red Or White 4 4 4 4 2 4
Lead Works – Sheet, Pipe Or Shot 4 4 4 4 2 3
Leather Goods Manufacturing 2 1 2 3 1 3
Leather Goods Stores 2 - - 2 2 1
Libraries 2 2 - 1 3 1
Light Bulb Or Tubes Manufacturing 2 1 3 2 1 2
Lighting Fixtures Manufacturing 2 1 3 3 1 2
Lime Manufacturing 3 3 3 3 2 4
Liquor Manufacturing 4 4 4 4 2 3
Livestock Dealers Or Commission Merchants 4 4 4 4 4 4
Livestock Sales Companies 4 4 4 4 4 4
Loan Agents, Brokers And Correspondents 3 3 - 3 2 1
Locksmiths 2 2 2 2 2 1
Logging And Lumbering 4 4 - 4 4 3
Lubricants Manufacturing – Grease 2 2 3 3 1 4
Luggage Goods Stores 2 2 2 2 2 1
Lumberyards 3 2 1 3 2 4
Machine Shops 2 2 3 3 2 2

Page 15
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Machinery Or Equipment Farm Installation, Servicing, Repair/Erect 3 2 3 3 2 2
Machinery Or Equipment Industrial Installation, Servicing Or Repair 3 2 3 3 2 2
Machinery Or Equipment Installation, Servicing Or Repair 3 2 3 3 2 2
Machinery Or Equipment Dealers 3 2 3 2 2 1
Machinery Or Equipment Dealers Construction Or Industrial Mobile Type 3 2 3 2 2 1
Machinery Or Equipment Dealers – Farm Type 3 2 3 2 2 1
Machinery Or Equipment Dealers Yard Or Garden Type 3 2 3 2 2 1
Machinery Or Machinery Parts Manufacturing 2 1 3 3 1 2
Machinery Or Mach Parts Manufacturing Construction, Mining Or Materials Handling 3 1 3 3 1 2
Machinery Or Machinery Parts Manufacturing – Farm Type 3 1 3 3 1 2
Machinery Or Machinery Parts Manufacturing – Industrial Type 3 1 3 3 1 2
Machinery Or Machinery Parts Manufacturing – Metalworking 3 1 3 3 1 2
Mail Box Or Packaging Stores 1 2 - 2 1 1
Mail Order Houses 2 1 2 2 2 2
Mailing Or Addressing Companies 1 1 - 2 2 1
Mail Order or Online Drugstores 4 4 4 2 2 3
Manufacturers Representatives 3 1 3 2 2 1
Marine Appraisers Or Surveyors 4 4 - 4 4 1
Markets – Not Open Air (Lessor's Risk Only) Not For Profit Only 3 3 - 2 2 3
Markets – Not Open Air (Lessor's Risk Only) Other Than Not For Profit 3 3 - 2 2 3
Markets – Open Air (Lessor's Risk Only) Not For Profit Only 3 3 - 2 2 -
Markets – Open Air (Lessor's Risk Only) Other Than Not For Profit 3 3 - 2 2 -
Masonry 2 2 2 3 2 -
Match Manufacturing 3 3 3 3 3 4
Mattress Or Box Spring Manufacturing 3 1 3 2 1 4
Mausoleums – Not For Profit Only 1 1 - 2 2 1
Mausoleums – Other Than Not For Profit 1 1 - 2 2 1
Meat, Fish, Poultry Or Seafood – Curing 3 1 3 3 1 2
Meat, Fish, Poultry Or Seafood – Distributors 2 1 3 2 2 1
Meat, Fish, Poultry Or Seafood Processing In Airtight Containers 3 1 3 3 1 3
Meat, Fish, Poultry Or Seafood Proc Not In Airtight Containers 3 1 3 3 1 3
Meat, Fish, Poultry Or Seafood Stores 2 2 3 2 2 1
Medical, Dental, Hospital Or Surgical Equipment Or Supplies Manufacturing Expend 3 4 4 2 1 2
Medical, Dental, Hospital/Surgical Equipment Or Supplies Manufacturing Nonexpen 3 4 4 2 1 2
Medical, Dental, Hospital Or Surgical Equipment Instrument Manufacturing 3 4 4 2 1 2
Medical, Dental/Surgical Diagnostic Or Treatment Machines Or Dev 3 4 4 2 1 2
Medical, Hospital And Surgical Equip And Supplies Rented To Others 4 4 - 2 2 -
Medical, Hospital And Surgical Supply Stores 2 3 4 2 2 1
Medical Offices 2 2 - 2 1 1

Page 16
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Metal Dealers Or Distributors – Nonstructural 2 2 2 2 2 1
Metal Dealers Or Distributors – Structural 2 2 3 2 2 1
Metal Erection – Decorative Or Artistic 2 2 2 3 2 1
Metal Erection – Frame Structures Iron Work On Outside Of Buildings 3 3 3 3 2 1
Metal Erection In Construction Of Dwelling Not Exceed 2 Stories 3 3 2 3 2 1
Metal Erection – Nonstructural 2 2 2 3 2 1
Metal Erection – Structural – 2 Stories 3 3 3 3 2 1
Metal Extracting Or Refining 4 4 4 4 4 3
Metal Foil Manufacturing 3 2 3 3 2 3
Metal Goods Manufacturing 2 1 3 3 1 2
Metal Goods Manufacturing – Stamping – Not Signs 2 1 3 3 1 2
Metal Heat Processing 3 2 3 3 2 3
Metal Scrap Dealers 4 3 3 4 4 3
Metal Works – Shop – Decorative Or Artistic 2 1 2 3 1 2
Metal Works – Shop – Structural – Load Bearing 2 1 3 3 1 2
Metal Works – Shop – Structural – Not Load Bearing 2 1 3 3 1 2
Mica Goods Manufacturing 2 2 3 2 2 4
Milk Depots Or Dealers 2 2 3 2 3 1
Milk Processing 2 2 3 2 3 2
Mining 4 4 4 4 4 4
Mobile Home Manufacturing 3 3 4 3 3 3
Mobile Home Parks Or Courts 2 2 - 2 2 1
Mobile Home Sales Agencies 2 2 2 2 2 1
Model Homes 2 2 - 2 2 2
Modular Units Manufacturing 3 1 3 3 3 3
Mortgage Loan Brokers – PI's 3 3 - 3 2 1
Motion Pictures – Development Of Negatives Printing And Subs Operations 2 3 - 2 2 2
Motion Pictures – Film Distribution Or Exchanges Not In Studio 2 3 - 2 2 2
Motion Pictures – Production – Studios Or Outside 3 3 - 2 3 3
Motorcycle, Moped Or Motor Scooter Manufacturing 3 4 4 3 1 2
Museums – Not For Profit Only 2 2 - 2 2 3
Museums – Other Than Not For Profit 2 2 - 2 2 3
Music Stores – Pre-Recorded 1 2 2 2 1 1
Musical Instrument Manufacturing 1 1 2 2 1 2
Musical Instrument Stores 1 2 1 2 2 1
Musical Products Manufacturing – Pre-Recorded 2 2 2 2 2 3
Mutual Fund Shares And Securities Sales Organizations 3 3 - 3 2 1
Nail Salons 3 2 2 2 1 1
Nails Or Spikes Manufacturing 3 1 3 3 1 2

Page 17
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Needles, Pins Or Tacks Manufacturing 2 1 3 2 1 2
Net Manufacturing 2 1 3 2 1 3
Net Manufacturing – Safety Nets 2 4 4 2 1 3
Newspaper Or Magazine Distributors 2 1 - 2 3 1
Newsstands 2 1 1 2 2 1
Nightclubs, Cabarets And Comedy Clubs 4 4 - 4 4 4
Nursery – Garden 2 2 - 2 2 2
Offices 2 - - 2 2 1
Office Machines Manufacturing 2 1 2 2 1 2
Office Machines Or Appliances – Installation, Inspection, Adj Or Rep 2 2 - 2 2 1
Oil Or Gas Lease Operations 4 4 - 4 4 4
Oil Or Gas Wells – Acidizing 4 4 4 4 4 4
Oil Or Gas Wells – Cementing 4 4 4 4 4 4
Oil Or Gas Wells – Cleaning Or Swabbing By Contractors 4 4 4 4 4 4
Oil Or Gas Wells Drilling Or Redrilling Installation Or Recovery 4 4 4 4 4 4
Oil Or Gas Wells Instrument Logging Or Survey Work In Wells 4 4 4 4 4 4
Oil Or Gas Wells – Non-Operating Working Interest 4 4 - 4 4 4
Oil Or Gas Wells – Perforating Of Casing 4 4 4 4 4 4
Oil Or Gas Wells – Servicing – By Contractors 4 4 4 4 4 4
Oil Or Gas Wells – Shooting 4 4 4 4 4 4
Oil Or Gas Wells Supplies Or Equipment Dealers – Secondhand 4 4 4 4 4 4
Oil Refineries 4 4 4 4 4 4
Oil Rig Or Derrick Erecting Or Dismantling Wood Or Metal 4 4 4 4 4 4
Oil Still Erection Or Repair 4 4 4 4 4 4
Optical Goods – Distributors 2 2 2 2 2 1
Optical Goods Manufacturing 1 1 2 2 1 1
Optical Goods Stores 1 2 1 1 1 1
Orchards And Vineyards – Operation By Contractors 2 2 - 4 2 -
Ore Milling Or Processing 3 2 2 3 2 4
Orthopedic, Ambulation Or Prosthetic Devices Manufacturing 3 3 4 2 2 2
Packing Houses 4 4 4 4 4 3
Paint, Varnish, Or Shellac Or Lacquer Manufacturing 3 3 3 3 2 4
Paint, Wallpaper Or Wall Covering Stores 1 2 1 2 1 1
Painting – Exterior Buildings Or Structures Exceed 3 Stories In Height 3 3 2 4 2 1
Painting – Exterior Buildings Or Structures 3 Stories Or Less In Height 2 2 2 4 2 1
Painting – Interior – Buildings Or Structures 2 2 2 2 2 1
Painting – Oil Or Gasoline Tanks 3 3 3 4 3 2
Painting – Ship Hulls 4 4 4 4 4 2
Painting – Shop Only 3 3 1 3 2 3

Page 18
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Painting – Steel Structures Or Bridges 4 4 4 4 4 2
Painting – Picture Or Frame Store 1 2 1 2 2 1
Paper Coating Or Finishing 2 2 2 2 1 3
Paper Goods Manufacturing NOC 3 1 2 3 1 3
Paper Manufacturing 3 1 2 3 1 3
Paper Products Distributors 1 1 1 2 2 2
Paper, Rag Or Rubber Stock Dealers And Distributors – Secondhand 3 2 2 3 2 4
Paperhanging 2 2 2 2 2 1
Parachute Manufacturing 4 4 4 4 2 3
Parades 3 3 - 3 3 -
Parking – Private 2 2 - 2 2 -
Parking – Public – Open Air 3 3 - 3 2 1
Parking – Public – Shopping Centers Maintained By Insured (Lessor's Risk) 3 3 - 3 2 1
Parking – Public – Not Open Air 3 3 - 3 2 1
Parking – Public – Shopping Centers Maintained By Lessee (Lessor's Risk) 3 3 - 3 2 -
Parks Or Playgrounds 3 3 - 2 2 1
Pattern Manufacturing 1 1 2 2 2 2
Pattern Manufacturing – Metal 1 1 2 2 2 2
Pattern Manufacturing – Paper 1 1 2 2 2 3
Pawn Shops 4 4 4 4 4 4
Payroll Accounting Services 2 2 - 2 2 1
Penal Institutions 4 4 - 4 4 4
Pencil, Pen, Crayon Or Chalk Manufacturing 2 1 2 2 2 3
Pension, Health And Welfare Plans – Labor Unions 3 3 - 3 2 1
Pension, Health And Welfare Plans – Other Than Labor Unions 3 3 - 3 2 1
Periodicals Distributors 2 1 - 2 3 1
Pest Control Services 3 3 - 4 3 2
Pet Food Manufacturing 3 1 3 3 2 4
Pet Grooming 3 2 - 3 3 1
Pet Stores 2 2 2 2 2 1
Pet Training 2 2 - 2 3 1
Photo Finishing Laboratories 2 2 - 2 2 2
Photographers 1 2 - 1 2 1
Photographic Equipment Manufacturing 1 1 2 2 1 2
Photographic Supplies Manufacturing 1 1 2 2 1 2
Piano Tuning 1 1 - 1 2 1
Picnic Grounds – Commercially Operated 3 3 - 2 2 1
Pile Driving 4 4 4 4 4 1
Pipeline Construction 4 4 4 4 4 4

Page 19
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Pipelines – Operation 4 4 - 4 4 4
Pipes Manufacturing – Tobacco 4 4 4 4 4 2
Pipes Or Tubes Manufacturing – Metal 2 1 3 3 1 2
Pipes Or Tubes Manufacturing – Plastic 2 1 3 3 1 2
Plastering Or Stucco Work 3 3 3 2 2 1 No EFIS exposure
Plastic Manufacturing – Raw Material 3 2 3 3 1 4
Plastic Or Rubber Goods Manufacturing – Household 3 2 3 3 1 3
Plastic Or Rubber Goods Manufacturing – Other Than Household 3 2 3 3 1 3
Plastic Or Rubber Supply Goods Distributors 2 1 2 2 2 2
Plumbing – Commercial And Industrial 2 2 2 2 2 1
Plumbing – Residential Or Domestic 2 2 2 2 2 1
Plumbing Fixtures Manufacturing 2 1 2 3 1 2
Plumbing Supplies And Fixtures Dealers And Distributors 2 2 2 2 2 1
Plumbing Supplies Manufacturing 2 1 3 3 1 2
Plywood, Veneer Or Veneer Products Manufacturing 3 1 2 4 2 4
Plywood, Veneer Or Veneer Products Manufacturing Without Log Processing 3 1 2 4 2 4
Political Campaign Headquarters Or Offices 2 2 - 2 2 1
Prefabricated Building Erection 2 2 2 3 2 1
Prefabricated Building Manufacturing 3 1 3 3 1 3
Printers Or Electrotypers Supplies – Distributors 2 1 2 2 2 2
Printing – Not For Profit Only 2 2 - 2 2 3
Printing – Other Than Not For Profit 2 2 - 2 2 3
Produce Handling Or Packing 2 1 2 4 2 2
Professional And Trade Assoc No Building Or Prem Office Only Not For Profit 2 2 - 2 2 1
Professional And Trade Assoc No Building Or Prem Office Only Other than Not For Profit 2 2 - 2 2 1
Publishers – Books And Magazines – Not For Profit 3 4 - 2 2 3
Publishers – Books And Magazines – Other Than Not For Profit 3 4 - 2 2 3
Publishers – Newspapers – Not For Profit Only 3 4 - 2 2 3
Publishers – Newspapers – Other Than Not For Profit 3 4 3 2 2 3
Pulp Manufacturing 3 2 3 4 2 4
Pumps Or Compressors Manufacturing 2 1 3 2 2 2
Quarries 4 4 - 4 4 2
Race Tracks – Motorized Vehicles 4 4 - 4 4 4
Racing 4 4 - 4 4 4
Racquet Sports And Handball Facilities – Commercially Operated 4 4 - 4 2 2
Radio Or TV Broadcasting Stations Not For Profit Only No PI 3 3 - 2 2 3
Radio Or TV Broadcasting Stations Other Than Not For Profit No PI 3 3 - 2 2 3
Railroad Construction 4 4 4 4 4 1
Railroad Engine Manufacturing 4 4 4 4 4 2

Page 20
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Railroad Or Other Public Conveyance Cars Or Parts Manufacturing 4 4 4 4 4 2
Railroads – Operations And Maintenance 4 4 - 4 4 -
Railroads – Shop Operation And Maintenance 4 4 - 4 4 2
Rain Insurance – Special Events 4
Razor Or Razor Blades Manufacturing 3 1 3 3 1 2
Real Estate Agents 2 2 - 3 3 1
Real Estate Development Property 2 2 - 2 2 -
Real Estate Property Managed 3 3 - 3 2 1
Recording Studios 2 3 - 2 2 1
Recreational Vehicle Dealers 2 2 3 2 2 2
Recycling Collection Centers – Not For Profit Only 3 3 - 3 3 4 Not doing pickup
Recycling Collection Centers – Other Than Not For Profit 3 3 - 3 3 4 Not doing pickup
Refrigeration Equipment Manufacturing 2 1 3 3 1 2
Refrigeration Equipment – Dealers And Distributors Only – Commercial 1 1 2 2 2 1
Refrigeration System And Equip – Dealers And Distribution And Install/Service 2 2 2 2 2 1
Rendering Works 4 4 4 4 4 4
Renovating Outside Surfaces Of Buildings 3 2 - 3 2 -
Rental Stores 4 4 - 3 3 2 3 for farm equipment dealers up to 15%
Rental Stores – Machinery Or Equip – Rented To Others Long Term 3 3 - 2 2 2
Restaurants – Operated By Concessionaires – Not For Profit Only 3 3 3 3 3 3
Restaurants – Operated By Concessionaires – Other Than Not For Profit 3 3 3 3 3 3
Restaurants – Refreshment Stands Or Drive-In Not For Profit Only 3 3 3 3 3 3
Restaurants 4 4 4 4 4 4
Riding Academies 4 4 - 4 4 3
Rifle Or Pistol Ranges 4 4 - 4 4 3
Rigging 4 4 - 4 4 3
Rodeos 4 4 - 4 4 3
Rolling Mills – Cold Or Hot Process 3 2 3 3 2 2
Roofing – Commercial 4 4 4 4 2 1
Roofing – Residential 4 4 4 4 2 1
Rope Manufacturing 3 1 3 2 1 3
Rubber Manufacturing 3 1 3 3 1 3
Rubber Reclaiming 3 2 3 2 2 3
Rubber Stamp Manufacturing Or Assembling 2 1 2 2 1 2
Saddles, Harnesses Or Horses Furnishings Manufacturing 3 1 3 2 1 3
Safe Deposit Companies 2 2 - 2 2 1
Safes Or Safe Vaults Manufacturing 2 1 3 3 1 2
Sail Making 3 1 3 2 1 3
Sales Or Service Organizations 3 3 - 3 3 1

Page 21
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Sales, Service Or Consulting Organizations 3 3 - 3 3 1
Salt, Boraz, Potash Or Phosphate – Producing Or Refining 3 1 3 3 1 4
Salt Manufacturing 3 1 3 3 1 3
Salvage Operations 4 4 4 4 4 4
Sand Or Gravel Digging 3 3 - 3 4 3
Sandblasting 4 4 - 4 2 1
Saunas And Baths – Public 4 4 4 4 4 1
Saw Mills Or Planing Mills 4 2 2 4 3 4
Schools – Not For Profit Only 3 3 - 3 3 1
Schools – Other Than Not For Profit 3 3 - 3 3 1
Schools – Colleges, Universities, Jr. College Not For Profit Only 3 3 - 3 3 1
Schools – Colleges, Universities, Jr. College Other Than Not For Profit 3 3 - 3 3 1
Schools – Correspondence 2 2 - 2 2 1
Schools – Dormitory Facilities – Not For Profit Only 3 3 - 3 3 1
Schools – Dormitory Facilities – Other Than Not For Profit 3 3 - 3 3 1
Schools – Faculty Liability For Corporal Punishment Of Pupils 3 3 - 3 2 -
Schools – Private Elementary, Kindergarten Or Jr. High Not For Profit 3 3 - 3 3 1
Schools – Private Elementary, Kindergarten Or Jr. High Other than Not For Profit 3 3 - 3 3 1
Schools – Public Elementary, Kindergarten Or Jr. High 3 3 - 3 3 1
Schools – Private High Not For Profit Only 3 3 - 3 3 1
Schools – Private High Other Than Not For Profit 3 3 - 3 3 1
Schools – Public High 3 3 - 3 3 1
Schools – Trade Or Vocational 3 3 - 3 3 1
Secondhand Or Salvage Dealers And Distributors 4 4 4 4 4 4
Security And Patrol Agencies 4 4 - 4 4 1
Securities Sales Organizations (Includes Mutual Funds) 3 3 - 3 2 1
Seed Merchants – Excl Misdelivery, Error In Mixture And Germ Failure 2 1 2 2 2 3
Seed Merchants NOC 2 1 3 2 2 3
Seed Merchants – Excl Germination Failure 2 1 3 2 2 3
Septic Tank Systems – Cleaning 2 2 2 3 2 1
Septic Tank Systems – Installation, Servicing Or Repair 2 2 2 3 2 1
Sewage Disposal – Plant Operations 3 3 - 3 2 1
Sewer Cleaning 3 3 3 4 2 1
Sewer Mains Or Connections Construction 3 3 3 4 2 1
Sewers 2 2 - 3 2 -
Sewing Machines Manufacturing – Commercial 2 1 3 2 2 2
Sewing Machines Manufacturing – Household 2 1 2 2 2 2
Shaft Sinking 4 4 4 4 4 1
Sheet Metal Work – Outside 2 2 2 3 2 2

Page 22
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Sheet Metal Work – Shop Only 2 1 2 3 1 2
Shelters, Mission, Settlement Halfway Houses – Not Church Or Office 4 4 - 4 4 3
Ship Ceiling Or Scaling 4 4 4 4 4 2
Ship Repair Or Conversion 4 4 4 4 4 3
Shoe, Boot Or Slipper Manufacturing 3 1 3 3 1 2
Shoe Repair Shops 2 2 2 2 1 1
Shoe Stores 1 2 2 1 1 1
Shopping Centers Building Or Prem Not Occupied By Insured (Lessor's Risk Only) 3 3 - 1 1 -
Shop Centers Indoor Malls Building Or Prem Not Occupied By Insured (Lessor's Risk) 3 3 - 1 1 -
Siding Installation 3 2 3 3 2 1
Sign Erection, Installation Or Repair 3 3 3 3 2 1
Sign Manufacturing 3 1 3 3 1 2
Sign Manufacturing Electrical 3 1 3 3 1 2
Sign Painting Or Lettering – Inside Of Buildings 2 2 2 3 1 2
Sign Painting Or Lettering On Buildings Or Structures 2 2 2 4 1 1
Skating Rinks – Ice 4 4 - 4 2 2
Skating Rinks – Roller 4 4 - 4 2 2
Skeet Shooting Or Trap Shooting Ranges 4 4 - 4 2 3
Ski Lifts, Tows Or Runs 4 4 - 4 2 3
Slate Milling 2 2 2 4 2 3
Slate Splitting Or Slate Roofing Manufacturing 2 2 2 4 2 3
Soap Manufacturing 3 2 3 3 1 3
Social Gatherings/Meetings On Prem Not Owned Or Oper Not For Profit 3 3 - 2 2 2
Social Gatherings/Meetings On Prem Not Owned Or Oper Other than Not For Profit 3 3 - 2 2 2
Social Services – Consulting Services – Private Sector 4 4 - 4 4 1
Solar Energy Contractors 3 3 3 3 2 1
Spas Or Personal Enhancement Facilities 4 4 - 4 2 2
Special Events Coverage 4
Sponge Processing 2 2 2 3 2 2
Sporting Goods Or Athletic Equipment Distributors 3 3 3 2 2 2
Sporting Goods Or Athletic Equipment Manufacturing 4 4 4 2 1 2
Sporting Goods Or Athletic Equipment Stores 3 3 3 2 2 1 No gun repair
Sports Or Outdoor Activities – Commercially Operated 4 4 - 3 1 1
Stables – Boarding, Livery Or Racing 4 4 - 4 2 3
Stadiums – Operated By Insured – Not For Profit Only 4 4 - 4 2 3
Stadiums – Operated By Insured – Other Than Not For Profit 4 4 - 4 2 3
Stationery Or Paper Products Stores 1 1 1 2 2 1
Stationery or Paper Products Distributors 2 2 2 2 2 1
Steam Heating Or Steam Power Companies 3 3 - 4 2 2

Page 23
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Steam Mains Or Connections Construction 3 3 2 4 2 1
Steam Pipe Or Boiler Insulation 3 3 3 4 2 2
Steel Wool Or Wire Wool Manufacturing 2 2 3 3 1 2
Stevedoring 4 4 4 4 4 -
Stockyards 4 4 4 4 4 4
Stone Crushing 4 4 2 4 4 2
Stone Cutting Or Polishing 2 2 2 3 2 2
Stores – Food Or Drink – Not For Profit Only 2 2 2 2 2 2
Stores – Food Or Drink – Other Than Not For Profit 2 2 2 2 2 2
Stores – No Food Or Drink – Not For Profit Only 3 3 3 2 2 1
Stores – No Food Or Drink – Other Than Not For Profit 2 2 2 2 2 1
Street Cleaning 3 3 - 3 3 1
Streets, Roads, Highways Or Bridges Existence And Maintenance Hazard 3 3 - 3 2 1
Street Or Road Construction Or Reconstruction 3 3 3 3 2 1
Street Or Road Paving Or Repave, Surfacing Or Resurface Or Scrap 3 3 3 3 2 1
Subway Construction 4 4 4 4 4 2
Sugar Refining 2 1 3 2 1 2
Sun Tanning Salons 4 4 - 4 1 2
Supermarkets 3 3 2 3 1 3
Surveyors – Land – Not Engaged In Actual Construction 1 1 - 2 2 1
Swimming Pool Servicing 3 3 - 3 2 1
Swimming Pools 3 3 - 3 1 1
Swimming Pools – Commercially Operated 4 4 - 4 1 1
Swimming Pools – Installation, Servicing Or Repair Above Ground 4 4 - 3 2 1
Swimming Pools – Installation, Servicing Or Repair Below Ground 4 4 - 3 2 1
Swimming Pools Or Accessories Manufacturing 3 1 3 3 1 2
Syrups Or Molasses – Refining, Blending Or Manufacturing 2 2 3 3 1 3
Tailor Merchants – Men And Boys 1 2 1 2 2 1
Tailoring Or Dressmaking Establishments – Custom 1 2 1 2 2 1
Tank Building Or Manufacturing – Metal – Not Pressurized 3 3 3 3 1 2
Tank Building Or Manufacturing – Metal – Pressurized 4 4 4 4 1 2
Tank Construction, Install, Erection Or Repair Metal 4 4 4 4 2 2
Tanning – Animal Hides 3 2 - 4 1 3
Tattoo Parlors 4 4 - 4 4 3
Taxicab Companies 4 4 - 4 4 1
Taxidermists 2 2 - 2 1 2
Telecommunication Equipment Manufacturing 3 2 3 3 2 2
Telecommunication Equipment Providers 3 2 3 3 2 1
Telecommunication Service Providers 2 2 - 3 2 3

Page 24
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Telegraph Companies 2 2 - 3 2 3
Telephone Or Telegraph Companies 2 2 - 3 2 3
Teleproduction Studios 3 2 - 3 3 2
Telephone, Telegraph Or Cable Television Line Construction 3 2 3 3 2 1
Television Or Radio Receiving Set Installation Or Repair 1 1 2 2 2 2
Television Picture Tube Manufacturing 2 1 2 3 1 2
Tent Or Canopy Manufacturing 3 1 3 3 1 3
Tent Or Canvas Good – Erection Removal Or Repair Away from Shop 2 2 3 3 2 2
Tents Or Canopies – Loaned Or Rented To Others 3 3 - 3 2 2
Textile Bleaching, Dyeing, Mercerizing, Printing, Finishing New Good 3 2 3 3 3 3
Textile Coating Or Impregnating 3 2 3 3 3 3
Textile Manufacturing – Impregnated Or Coated 3 2 3 3 3 3
Textile Products Manufacturing – Fabricated 3 2 3 3 3 3
Textile Spinning, Weaving Or Knitting Mills 3 2 3 3 3 3
Theaters – Not For Profit Only 3 3 - 2 2 3
Theaters – Other Than Not For Profit 3 3 - 2 2 3
Theaters – Drive In 3 3 - 2 2 3
Theaters – Motion Pictures 3 3 - 2 2 2
Theatrical Companies – Traveling 3 3 - 3 3 -
Ticket Agencies 2 2 - 2 2 1
Tie, Post Or Pole Yard 3 2 2 3 3 3
Tile, Stone, Marble, Mosaic Or Terrazzo Work Interior Construction 3 2 3 3 2 1
Tire Dealers 3 2 2 3 2 3
Tire Manufacturing – Auto, Bus Or Truck 4 4 4 3 1 4
Tire Manufacturing – Not Auto, Bus Or Truck 3 2 3 3 1 4
Tire – Retreading Or Recapping 4 4 4 4 2 4
Title Agents 2 2 - 2 2 1
Tobacco Products Distributors 3 3 3 2 2 3
Tobacco Products Manufacturing 4 4 4 3 1 4
Tobacco Products Stores 3 3 3 2 1 1
Tobacco Rehandling Or Warehousing 4 4 - 3 2 4
Toll Bridges 4 4 - 4 4 4
Tool Manufacturing – Accessories 2 1 3 3 1 2
Tool Manufacturing – Hand Type – Not Powered 2 1 3 3 1 2
Tool Manufacturing – Hand Type – Powered 3 1 3 3 1 2
Tool Manufacturing – Power Equipment, Household Type – Outdoor Or Workshop 3 1 3 3 1 2
Towing Services – Motor Vehicles 3 4 4 3 3 2 No 24 hour, Not for heavy trucks
Toy Distributors 3 1 3 2 2 1
Toy Stores 2 2 2 2 2 1

Page 25
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Toys Or Games Manufacturing 3 1 3 3 1 2
Trailer Dealers 3 2 3 3 3 1
Trailer Manufacturing 4 4 4 3 2 2
Trailer Rental Agencies 4 4 - 4 3 -
Travel Agency Tours 4 4 - 4 4 1
Tree Pruning, Dusting, Spraying, Repairing, Trimming And Fumigating 4 4 - 4 4 1
Truckers 4 2 - 4 4 -
Tunneling 4 4 4 4 4 -
Turpentine Or Resin Manufacturing 3 2 3 3 2 4
Twine Or Cordage Manufacturing 3 1 3 3 2 3
Umbrella Or Cane Manufacturing 2 1 3 3 1 2
Underpinning Buildings Or Structures 4 4 4 4 4 2
Upholstering 3 3 3 3 1 3
Upholstering – Shop Only 3 3 3 3 2 3
Vacant Buildings 3 3 - 2 2 3
Vacant Land – Not For Profit Only 1 1 - 2 2 -
Vacant Land – Other Than Not For Profit 1 1 - 2 2 -
Valves Manufacturing 2 1 3 3 1 2
Variety Stores – Not For Profit Only 2 2 2 2 1 1
Variety Stores – Other Than Not For Profit 2 2 2 2 1 1
Vegetable Oil Manufacturing 3 2 3 3 2 4
Vegetable Oil Manufacturing – By Solvent Extraction 3 2 3 3 2 4
Vending Machine Operations 1 1 3 2 1 2
Vending Machine Operations – Confection, Food, Beverage Or Ice 2 2 3 2 2 2
Vending Machine Operations – Tobacco Products 2 2 3 2 2 2
Vending Machines Manufacturing 2 1 3 2 1 2
Venetian Blinds Manufacturing Or Assembling 1 1 2 2 1 2
Veterinarian Or Veterinary Hospitals 3 3 - 3 2 1
Video Arcades 4 4 - 1 2 4
Video Stores 2 2 1 1 1 2
Warehouse – Cold Individual Storage Lockers 2 2 - 2 2 3
Warehouse – Cold Storage – Public 3 2 - 2 2 4
Warehouses 3 2 - 2 2 3
Warehouse Manufacturing Or Priv Building Or Prem Occ Multiple Int (Lessor's Risk) 3 2 - 2 2 3
Warehouse Manufacturing Or Priv Building Or Prem Occ Single Int (Lessor's Risk) 3 1 - 2 2 3
Warehouses – Mini-Warehouses 2 2 - 2 2 3
Warehouses – Private – Not For Profit Only 3 1 - 2 2 3
Warehouses – Private – Other Than Not For Profit 3 1 - 2 2 3
Washing Machines, Dryers Or Ironers – Coin Meter Type 3 2 - 2 2 3

Page 26
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Water Bottling – In Siphons 1 1 3 2 1 2
Water Bottling – Spring Or Well – Not Sparkling Or Carbonated 1 1 3 2 1 2
Water Bottling – Spring Or Well – Sparkling Or Carbonated 1 1 3 2 1 2
Water Companies 2 3 - 2 2 1
Water Mains Or Connections Construction 3 3 2 3 3 2
Water Softening Equipment – Installation, Servicing Or Repair 3 2 2 3 2 1
Water Softening Equipment – Rented To Others 3 2 - 3 2 1
Waterproofing 3 2 3 3 2 1
Waterproofing – By Pressure Apparatus 3 2 3 3 2 1
Waterproofing – By Trowel – Exterior 3 2 3 3 2 1
Waterproofing – By Trowel – Interior Or Insulation Work 3 2 3 2 2 1
Wax Or Wax Products Manufacturing 3 1 3 3 1 3
Wax, Wax Products Or Polish Manufacturing – Floor 3 1 3 3 1 3
Web Site Designers 4 4 - 2 2 1
Weighers, Samplers Or Inspectors Or Merch On Vessels Or Docks 3 2 - 3 1 -
Welding Or Cutting 3 3 3 3 3 2
Wharf And Waterfront Property 4 4 - 4 3 4
Wheel Manufacturing 3 2 3 3 1 2
Wicker, Rattan, Willow Or Twisted Fiber Products Manufacturing 3 1 3 3 1 3
Wigs Or Hair Pieces Manufacturing 2 1 3 3 1 2
Window Cleaning 2 2 - 4 2 1
Window Decorating 2 2 - 3 2 1
Wine Manufacturing – Sparkling 3 2 3 3 1 3
Wine Manufacturing – Still 3 2 3 3 1 3
Wire Cloth Manufacturing 3 1 3 3 1 2
Wire Drawing 2 1 2 3 1 2
Wire Goods Manufacturing 3 1 3 3 1 2
Wire Rope Or Cable Manufacturing – Metal 3 3 4 3 1 2
Wood Preserving 3 1 2 3 1 4
Wood Products Manufacturing 3 1 3 3 1 3
Wood Turned Products Manufacturing 3 1 3 3 1 3
Wool Combing, Scouring Or Separating From Cotton 2 1 2 3 1 3
Wool Pulling 3 1 2 3 1 3
Wrecking – Buildings Or Structures 4 4 - 4 4 2
Wrecking – Dismantling Of Prefabricated Dwellings Under 3 Stories 4 4 - 4 4 2
Wrecking – Marine 4 4 - 4 4 2
YMCA, YWCA, Or Similar Institutions 4 4 - 4 3 2
Youth Recreation Programs – Not For Profit Only 3 3 - 3 3 2
Youth Recreation Programs – Other Than Not For Profit 3 3 - 3 3 2

Page 27
 EMC Appetite Guide For Commercial Lines
This is a guide. Individual risk characteristics still apply
1 = Preferred
2 = Desireable You may see an overall grade which indicates the acceptability of the class with a
3 = Eligible with Proper Characteristics particular line which is not acceptable. Often this is the work comp. This would indicate
4 = Typically Ineligible we can write everything but that line highlighted in red.

Risk Identifier Grade CGL P/CO WC AUTO PROP Comments

Zoos – Not For Profit Only 4 4 - 4 4 4
Zoos – Other Than Not For Profit 4 4 - 4 4 4

Occupancy Guide as of 4-2005

Page 28
 Target Markets

Michigan Mobile Home Parks

Michigan Farm Equipment Dealers
Michigan Public Schools

Focus Groups

Auto Repair Shops

Boat Dealers
Financial Institutions
Laundry and Dry Cleaners
Metal Goods Manufacturers
Printers
Small Artisan Contractors
Wholesalers