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Workers' Compensation Program Guidelines

 

  • Adult Day Care
  • Airport Exposures
  • Ambulance Services
  • Animal Farms
  • Assisted Living and Hospitals
  • Carpentry
  • Cleaning of residential spaces
  • Debris Removal
  • Driving schools
  • Employee group transportation or vanpool arrangements – exceptions may be made for contractors with underwriter review
  • Employee leasing or temporary agencies
  • Excavation
  • Exterior painting
  • Food establishments with High Delivery
  • Food trucks
  • Framing
  • Heights over 20 feet
  • Home Health Aides
  • In-home Child Day Care
  • Insured sponsoring athletic teams in which employees participate
  • Insured's with no payroll - "If Any Accounts"
  • Iron/Steel Erection
  • Laboratories
  • Lead/Asbestos/Environmental Remediation Contractors
  • Maritime coverage including the Jones Act
  • Owned or chartered aircraft & boats
  • Propane or Gasoline dealers or delivery (home heating oil is acceptable)
  • Quarry Operations
  • Residential Garbage Pickup
  • Risks involving Explosive / Hazardous substance
  • Risks located in buildings over 25 stories tall
  • Roofing or Scaffolding
  • Slaughtering
  • Solar Work
  • Subway Exposures
  • Tree Removal or Trimming
  • Trucking or any Transportation classification
  • USL&H coverage
  • Work on Military based

 

*updated 3/18/2017