APPETITE GUIDEFOR COMMERCIAL INSURANCE

Chicago Branch Office1815 S. Meyers Road

Suite 500Oakbrook Terrace, IL 60181-5214

Phone 800-942-7448Underwriting FAX 888-992-1375

www.emcins.com

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesAbrasive Wheels or Products MfgAccounting Services BOPAdhesive or Adhesive Tape Mfg No property

Adult Day Care Will consider property

Advertising or Related Services BOPAdvertising Sign Companies -– OutdoorAerosol Containers Mfg or FillingAir Conditioning Mfg, Distributor or Dealer Dealers and distributors eligible for BOP

Air Conditioning Dealers, Distributors, Installation, Servicing or Repair ContractorsAirports Will consider property

Alarm Mfg No general liability

Alarms – Install, Service and RepairAlarms – Security Systems MonitoringAlcohol Mfg – Not Beverage No property

Ambulance Service, First Aid or Rescue Squads Amusement Centers Amusement ParksAnalytical ChemistsAnhydrous Ammonia – Dealers and Distributors No property

Antique StoresApartment Buildings BOP Apts over restaurants may be considered

Appliance or Accessories – Distributor BOPAppliance or Accessories – Install, Service and Repair Contractors Household only is eligible for small artisan contractors program

Appliance or Accessories MfgAppliance Stores BOPArchery Ranges (NOC)Armored Car Service CompaniesArmy or Navy Stores No gun or ammo sales

Art Galleries or StudiosAsbestos Goods MfgAsphalt Works or Tar – Distilling and RefiningAthletic Games or Sports Contests Carefully underwritten, would exclude med pay

Athletic Programs or Teams – Amateur and ProfessionalAuctions or Auctioneers

Page 1

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesAutomobile Body Shops BOPAutomobile Dealers – New No open lot coverage

Automobile Dealers – UsedAutomobile Mfg, Assembling or DismantlingAutomobile Parts or Supplies – Distributors and Stores BOP Auto and workers' compensation underwritten carefully

Automobile Renting or Leasing CompaniesAutomobile Repair or Service Shops BOPAutomobile, Bus, Truck Body or Parts Mfg No general liability for operating parts

Baby Food Mfg Products carefully underwritten

Bakeries or Bakery Plants Bakeries may be eligible for BOP

Bars or TavernsBattery MfgBazaars Beaches – Bathing Bearing Mfg No aircraft or military products

Beauty Parlors, Barbers or Hair Styling Salons BOPBed and Breakfast Beer, Ale or Malt Liquor Mfg Beverage BottlersBeverage Distributors No workers' compensation, auto carefully underwritten, non-alcoholic and non-dairy BOP eligible

Beverage Stores BOPBicycle Stores – Sales and Servicing BOP No rentals

Billiard or Pool Table MfgBingo Games – Public Halls and Theaters Blasting OperationsBlood BanksBoarding or Rooming HousesBoat Dealers Boat or Ship Building Boat Yards or Marinas – PublicBoats No rentals

Boiler Inspection, Installation, Cleaning or RepairBolt, Nut, Rivet, Screw or Washer Mfg No aircraft or military products

Book or Magazines Stores BOP Used bookstores not BOP eligible

Page 2

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesBook DistributorsBookbinding Bookkeeping Services BOPBottle or Jar MfgBowling LanesBoxes or Containers MfgBoy or Girl Scout Councils – No CampsBrick MfgBridge or Elevated Highway Construction Brush or Broom MfgBuilding Material – Dealers and Distributors No worker's compensation

Building Structure Raising or MovingBuildings or Premises Property dependent on occupancy

Bus Mfg, Assembling or ReconstructionBus Stations or TerminalsBus Transportation Companies Business Services (NOC-Except Personal Care)Buttons or Fasteners MfgCable Installation – Conduits and SubwaysCable or Subscription Television CompaniesCaisson or Cofferdam WorkCamera or Photographic Equipment Stores BOPCamper or Camper Trailers MfgCamper or Travel Trailer Sales Agencies Campgrounds Camps Can Mfg General liability dependent on product applications

Candle Mfg No property

Candy or Confectionery Mfg Candy or Confectionery Stores BOPCar Washes BOPCarbon Paper or Inked Ribbon MfgCarnival or CircusesCarpentry – Residential Contractors No general contractors, see contractors program for eligibility

Page 3

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesCarpentry – Shop and Interior (NOC) Contractors See contractors program for eligibility

Carpet or Rug MfgCarpet, Rug, Furniture or Upholstery Cleaning Contractors Shop only cleaning is eligible for BOP

Catalog or Premium Coupon Redemption Store BOPCaterersCaulking Compounds, Putty or Similar Products MfgCeiling or Wall Installation – Metal ContractorsCellophane or Cellophane Products Mfg No property

Cement, Concrete Mix or Plaster Mfg Cemeteries Chairs – Rented to OthersCharcoal or Coal Briquette Mfg No property

Chemical Distributors or MfgChildren's Play Centers IndoorsChimney Cleaning No workers' compensation

China, Porcelain or Earthenware MfgChurches or Other Houses for Worship May also be eligible for BOP Program

Clay Products MfgCleaning Outside Surfaces of Buildings – 2 Stories or Less Over two stories not eligible

Clock MfgClothing MfgClothing – Stores and Distributors BOPClubs Depends on type and purpose of club

Coffins or Caskets MfgCoke MfgCollectibles or Memorabilia StoresCollection Agencies Exclude A and PI

Color or Pigment Preparation No property

Commissary WorkCommodity Brokers or Dealers – ExchangesCommunication or Recording Equipment Installation ContractorsCommunication or Recording Equipment MfgCommunity Recreational Facilities Composition Goods Mfg – Not Floor Coverings

Page 4

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesComputer Consulting or Data Processing Computer MfgComputer Service or RepairComputer Stores BOP Service or repair ineligible

ConcessionairesConcrete -– Mixed In Transit No workers' compensation

Concrete Construction Contractors Limited to foundations, flatwork and residential less than two stories

Concrete or Plaster Products Mfg (Not Structural) No workers' compensation

Concrete Products Mfg – Pre-stressed and StructualCondominiums BOPConduit Construction – Cables and WiresConsultants (NOC) Only with adequate professional liability elsewhere

Contact Lens Mfg No general liability

Contractors (NOC) Contractors – Paper and General ContractorsContractors Equipment DealersContractors Permanent Yards – Maintenance, Storage Equipment and MaterialConvenience Food or Gasoline Stores BOP No 24 hour operations, refer to underwriter if cooking

Conventions (Sponsor's Risk Only)Convents or MonasteriesCopying or Duplicating Equipment – Repair and SalesCopying or Duplicating Services – Retail BOPCosmetic, Hair or Skin Preparation StoresCosmetics Mfg No umbrella

Cotton or Wool MerchantsCredit Reporting Agencies Exclude A and PI

Crematories Crop Spraying – ContractorsCutlery (Not Powered) or Flatware MfgCutlery SharpeningDairy Products MfgDairy Products, Butter or Egg Stores BOPDam or Reservoir ConstructionDam, Levee or Dike – Existence Hazard Only

Page 5

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesDance Halls, Ballrooms or DiscosDay Care Centers Debris Removal – Construction SiteDelicatessens BOPDental Laboratories BOPDepartment or Discount Stores BOPDetective or Investigative AgenciesDetergent MfgDextrine MfgDiagnostic Testing LaboratoriesDie Casting Mfg – Critical Parts of Aircraft and Military EquipmentDie Casting Mfg – Insured's DesignDie Casting Mfg – Specs of OthersDistillation or Extraction No property

Distributors Diving – MarineDock Operations – Coal, Grain and OreDoor or Window MfgDoor, Window or Assembled Millwork – Installation, Service and Repair ContractorsDraftsmenDrawbridges – Existence Hazard OnlyDredgingDrilling – Other than Water, Oil and Gas (NOC)Drilling – Water ContractorsDriveway, Parking Area or Sidewalk – Paving and Repaving ContractorsDrug DistributorsDrug, Medicine or Pharmaceutical MfgDrugstores BOPDrums or Containers Mfg Not used with pollutant, toxic, flammable, explosive or reactive substances

Dry Wall or Wallboard Installation Contractors No workers' compensation

Dwelling – 1 to 4 Family (LRO) 2-4 family dwellings BOP eligible

Electric Light – Power Companies, Co-ops and Power Line ConstructionElectrical or Lighting Stores BOPElectrical Apparatus – Installation, Service and Repair

Page 6

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesElectrical ContractorsElectrical Equipment Distributors BOP No critical product applications

Electrical Equipment MfgElectrical Generating Machinery MfgElectrical Parts, Components or Accessories Mfg – NOCElectrical Power Distribution or Transmission Equipment Mfg (NOC)Electrical Wire or Cable MfgElectrical Work – Within Buildings ContractorsElectronic Components Mfg No critical product applications

Electronic Games MfgElectronic Stores BOPElectroplating No critical product applications

Elevator or Escalator – Inspecting, Installation, Service, Repair and MfgEmployee Benefit Plans Employment Agencies No internet-based businesses

Engine, Turbine Mfg or Repair – Not AircraftEngraving BOPEngineers or Architects – Consulting (Not Engaged in Actual Construction) Offices only BOP eligible

Entertainment – Performed on Others' PremisesEquipt, Fixtures or Supplies – Bars, Hotels, Offices and Restaurant Distributors BOPEscalator or Moving Sidewalk MfgEscrow Agencies BOPExcavationExercise or Playground Equipment MfgExhibition or Convention BuildingsExhibitions Explosive or Fireworks MfgExpress CompaniesExtracts MfgEye Glass Lens MfgFabric Distributors – Stores BOPFair Grounds – Non-Operating SeasonFairs – Outside (Operator's Risk Only)Farm Machinery Operations – Contractors No workers' compensation

Page 7

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesFeed MfgFeed, Grain or Hay DealersFence DealersFence Erection Contractors or Dealers Contractors No workers' compensation, dealers only not eligible for small contractors program

Fertilizer Dealers Will not write mfg

Fiber MfgFiber Glass MfgFire DepartmentsFire Extinguishers – Servicing, Refilling, Testing or Mfg No general liability for mfg

Fire Protection Equpment – Dealers and DistributorsFire Suppression Systems – Install, Service, Repair and MfgFirearms MfgFireproofing – Structures No general liability or umbrella

Fireworks Exhibitions Fish ProcessingFisheries, Fishing Services, Piers or PondsFloor Covering Distributors, Stores or Installation Distributors and stores BOP eligible, installation may be small contractors eligible

Floor Covering Mfg (No Carpets, Rugs, Ceramic or Stone Tiles)Floor WaxingFlorists BOP No greenhouse or nursery operations

Food Products MfgFood Products Sales, Storage or DistributorsForging WorkFormal Wear or Costumes – Rented to OthersFoundries No critical products

Fraternal OrdersFraternitiesFreight Forwarders or Handlers No explosives

Frozen Food Distributors Fruit or Vegetable – Distributors and Dealers BOPFruit or Vegetable Juice MfgFruit, Nut or Vegetable – Harvesting ContractorsFuel Dealers or Distributors – Coal and WoodFuel Oil or Kerosene – Dealers and Distributors

Page 8

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesFumigatingFuneral Home or Chapels BOPFur, Garment or Pelts – Distributors, Mfg and Processing No property

Furniture Mfg or Assembling Furniture or Fixtures – Installation in Office and Stores (Portable) ContractorsFurniture or Woodwork – Stripping, Refinishing and Repair (Shop Only)Furniture Stores BOP No rent to own stores

Galvanizing or Tinning No critical products

Gambling CasinosGarbage, Ash or Refuse CollectingGardening or Light Farming Supply – Dealers and Distributors BOPGas CompaniesGas Dealers or Distributors No LPG

Gasoline DistributorsGasoline Station, Gasoline or Oil Supply Stations – Retail No 24 hour operations

Gemstone Cutting or PolishingGeophysical Explorations No general liability

Gift Shops BOPGlass Dealers or Glaziers Glass dealers (retail only) BOP eligible

Glass or Glass MfgGolf Carts or Mobile – Loaned and Rented to OthersGolf Courses – Miniature, Municipal, Public and Driving RangesGovernment Subdivisions – Other than State and FederalGrading of Land ContractorsGrain Elevator or Milling OperationsGrandstands or Bleachers Greenhouse ErectionGreenhousesGrocery Distributors BOPGrocery Stores BOPGuides or OutfittersGuniting or Shot – CreteGunsmiths No general liability

Halls

Page 9

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesHandyperson Underwrite carefully

Hardware or Tool Distributors BOPHardware Stores BOPHazardous Material ContractorsHealth Care Facilities Will consider property

Health Maintenance OrganizationHealth, Exercise Clubs or Facilities Will consider property

Health or Natural Food Stores BOPHearing Aids – Distributors and Stores BOPHeating Equipment MfgHeating, Combined Heating or Air Conditioning Equipment – Dealers and Distributors Only BOPHeating, Combined Heating or Air Conditioning Equipment – Dealers, Distributors, Install, Service and Repair Contractors No LPG

Hide – Dealers and Distributors (Raw Only)Hobby, Craft or Artists – Supply Distributors and Dealers BOPHome Furnishings Stores BOPHome Health Care Services Home Improvement StoresHone, Oilstone or Whetstone MfgHoney ExtractingHotels or Motels – Less than 4 Stories BOP Appetite limited to franchised, limited amenity hotels

Hotels or Motels – 4 or More Stories Appetite limited to franchised, limited amenity hotels

House Furnishings Installation ContractorsHousing Projects – Federal, State and LocalHunting Preserves Ice Cream Stores BOPIce – Dealers and DistributorsIce HousesImporters No hazardous products

Ink MfgInner Tubes MfgInspection or Appraisal Companies – Inspecting for Insurance and Valuation Purposes Instrument MfgInsulating Material Mfg Insulation Work

Page 10

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesInsurance Agents BOPInterior Decorators Contractors Offices with no off-premises exposure BOP eligible

Internet Access or Service Providers No general liability

Internet RetailersInvestment AdviceIrrigation or Drainage System Construction Irrigation Works Operations No dams

Janitorial ServicesJanitorial Supplies – Dealers and Distributors Dealers BOP eligible

Jetty or Breakwater ConstructionJewelry MfgJewelry Stores or Distributors BOPJunk DealerKennels – Breeding, Boarding or SalesLabor Union Offices No workers' compensation

Laboratories – Research, Development or Testing Ladder Mfg No general liability, no umbrella

Lakes or Reservoirs Existence Hazard Lamp Shade MfgLamps or Lanterns MfgLand – Occupied by Persons Other than Insured (LRO)Landscape Gardening ContractorsLaundries or Dry Cleaners BOPLawn Care Services ContractorsLawyers Offices BOPLead Mfg or WorksLeather Goods Mfg or Stores Stores BOP eligible

LibrariesLight Bulb or Tubes MfgLighting Fixtures MfgLime Mfg No property

Liquor Mfg No workers' compensation

Livestock Dealers, Commission Merchants or Sales Cos.Loan Agents, Brokers or Correspondents

Page 11

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesLocksmithsLogging or LumberingLubricants Mfg Grease No property

Luggage Goods Stores BOPLumberyardsMachine ShopsMachinery or Equipment Installation, Servicing and RepairMachinery or Equipment Dealers Office machines – distributors and retail BOP eligible

Machinery or Machinery Parts MfgMail Box or Packaging Stores BOPMail Order Houses BOPMail Order or Online Drugstores No general liability, no umbrella

Mailing or Addressing Companies BOPMfg RepresentativesMarine Appraisers or SurveyorsMarkets – Not Open Air (LRO) MasonryMatch Mfg No property

Mattress or Box Spring Mfg No property

Mausoleums Meat, Fish, Poultry or Seafood Processing – No Smoking No workers' compensation

Meat, Fish, Poultry or Seafood – Distributors and Stores BOPMedia Mfg – Blank and PrerecordedMedical Offices BOPMedical, Dental, Hospital, Surgical Equipment or Supplies Mfg – Expendable and NonexpendableMedical, Dental, Hospital or Surgical Instrument Mfg No general liability, no umbrella

Medical, Dental, Surgical Diagnostic or Treatment Machines – Device Mfg No general liability, no umbrella

Medical, Hospital or Surgical Equipment – Supplies Rented to Others No general liability, no umbrella

Medical, Hospital or Surgical Supply StoresMetal – Dealers and Distributors (Nonstructural)Metal – Dealers and Distributors (Structural)Metal Erection – Decorative and Artistic ContractorsMetal Erection – Structural and NonstructuralMetal Foil Mfg

Page 12

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesMetal Goods Mfg (NOC)Metal Goods Mfg – Stamping No heat treating or exotic metals

Metal Heat Processing No critical products (ie aircraft, military)

Metal Scrap DealersMetal Works Shop, Decorative, Artistic and Structural (Not Load Bearing)Metal Works Shop, Structural and Load Bearing Metals – Extraction and RefiningMica Goods Mfg No property

Milk Depots or DealersMilk ProcessingMiningMobile Home MfgMobile Home Parks, Courts or Mobile Home Sales AgenciesModel HomesModular Units MfgMortgage Loan Brokers BOPMotion Pictures – Development of Negatives, Film Distributors and ExchangesMotion Pictures – Production No general liability, no umbrella

Motorcycle, Moped or Motor Scooter Mfg No general liability, no umbrella

Museums Music Stores BOPMusical Instrument Mfg or Stores Stores BOP eligible

Nail Salons BOPNails or Spikes MfgNanomaterial Distributors or MfgNeedles, Pins or Tacks MfgNet Mfg No general liability, no umbrella for safety nets

Newspaper or Magazine – Distributors and Newsstands Newsstands BOP eligible

Nightclubs, Cabarets or Comedy ClubsNursery GardenOffice Machines Mfg, Wholesale or RetailOffice Machines – Install, Inspect, Adjust and Repair ContractorsOil, Gas Wells or Natural Gas – All Classes and OperationsOptical Goods – Distributors, Stores and Mfg Distributors and stores BOP eligible

Page 13

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesOrchards or Vineyards – Contractors No workers' compensation

Ore Milling or Processing No property

Ore MiningOrthopedic, Ambulation or Prosthetic Devices MfgPacking HousesPaint, Varnish, Shellac or Lacquer MfgPaint, Wallpaper or Wall Covering Stores BOPPainting – Picture and Frame Store BOPPainting – Exterior and Interior Contractors Less than stories, no industrial painting

Painting – Shop OnlyPaper Coating or FinishingPaper Goods Mfg (NOC)Paper Products DistributorsPaper, Rag or Rubber Stock – Dealers and Distributors (Secondhand) No property

Paperhanging ContractorsParachute MfgParades No umbrella

Parking – All Classes Parks or PlaygroundsPattern MfgPawn ShopsPenal InstitutionsPencil, Pen, Crayon or Chalk MfgPeriodicals DistributorsPest Control ServicesPet Food Mfg No property

Pet Stores – Grooming and TrainingPhoto Finishing Laboratories BOPPhotographers BOPPhotographic Equipment or Supplies MfgPiano TuningPicnic Grounds – Commercially OperatedPile DrivingPipeline Construction or Operation

Page 14

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesPipes Mfg – TobaccoPipes or Tubes Mfg – Metal and PlasticPlastering or Stucco Work (No EIFS) ContractorsPlastic Mfg – Raw Material No property

Plastic or Rubber Goods Mfg or DistributorsPlumbing Contractors No industrial or process piping

Plumbing Supplies or Fixtures – Dealers, Distributors and Mfg Dealers and distributors BOP eligible

Plywood, Veneer or Veneer Products Mfg No property, no workers' compensation

Political Campaign Headquarters or OfficesPortable Toilet RentalsPrefabricated Building Erection ContractorsPrefabricated Building MfgPrinters or Electrotypers Supplies – DistributorsPrinting BOPProduce Handling or PackingProfessional or Trade AssocPublishers – Newspapers, Books and Magazines No general liability, no umbrella

Pulp Mfg No property

Pumps or Compressors MfgQuarriesRace Tracks or Racing Racquet Sports or Handball Facilities – Commercially OperatedRadio or TV Broadcasting Stations Radio, Television or Sound System MfgRailroads – All ClassesRazor or Razor Blades MfgReal Estate AgentsReal Estate Development Property or Real Estate Property ManagedRecording StudiosRecreational Vehicle DealersRecycling Collection CentersRefrigeration Equipment Mfg, Dealers, Distributors, Install, Service or Repair Dealers and distributors BOP eligible

Rendering WorksRenovating Outside Surfaces of Buildings

Page 15

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesRental StoresRestaurants Limited cooking eligible for BOP

Riding AcademiesRifle or Pistol RangesRiggingRodeosRolling Mills – Cold and Hot ProcessesRoofing Rope MfgRubber Mfg or Rubber Reclaiming No property

Rubber Stamp Mfg or AssemblingSaddles, Harnesses or Horses Furnishings MfgSafes or Safe Vaults MfgSail MakingSales or Service OrganizationsSalt , Borax, Potash or Phosphate – Producing and Refining No property

Salt MfgSalvage OperationsSand or Gravel DiggingSandblastingSaunas or Baths – PublicSaw Mills or Planing MillsSchools Scientific Services (NOC)Secondhand or Salvage – Dealers and DistributorsSecurity or Patrol AgenciesSeed MerchantsSeptic Tank Systems – Cleaning, Installation, Servicing and RepairSewage Disposal – Plant Operations No umbrella

Sewer Cleaning No workers' compensation

Sewer Mains or Connections ConstructionSewers – Existence and Maintenance HazardSewing Machines Mfg Shaft Sinking

Page 16

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesSheet Metal Work ContractorsShelters, Mission or Settlement Halfway HousesShip Ceiling, Scaling, Repair or ConversionShip Chandler StoresShoe Stores or Shoe Repair Shops BOPShoe, Boot or Slipper MfgShopping Centers – Building and Premises Not Occupied by Insured (LRO) May be BOP eligible

Siding Installation ContractorsSign Erection, Installation or RepairSign MfgSign Painting or Lettering – Buildings and Structures No workers' compensation

Sign Painting or Lettering – Inside of BuildingsSkating Rinks – Ice and Roller No workers' compensation

Skeet Shooting or Trap Shooting RangesSki Lifts, Tows or RunsSlate Milling, Splitting or Slate Roofing Mfg No workers' compensation

Snow or Ice Removal – Contractor Incidental snowplowing acceptable

Soap MfgSocial Gatherings or Meetings Social Services – Consulting Services (Private Sector)Solar Energy ContractorsSolar Energy Equipment – Dealers and Distributors OnlySolar Energy Equipment MfgSolar Energy FarmsSpas or Personal Enhancement FacilitiesSponge ProcessingSporting Goods or Athletic Equipment – Distributors and Stores BOPSporting Goods or Athletic Equipment MfgSports or Outdoor Activities – Commercially OperatedStables – Boarding, Livery and RacingStadiumsStationery or Paper Products – Distributors and Stores BOPSteam Heating or Steam Power CompaniesSteam Mains, Connections Construction, Steam Pipe or Boiler Insulation

Page 17

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesSteel Wool or Wire Wool MfgStevedoringStockyardsStone Crushing No workers' compensation

Stone Cutting or PolishingStores – No Food and Drink Stores – Food and DrinkStreet CleaningStreet or Roads – Construction Existence, Maintenance Hazard, Paving and RepavingSubway ConstructionSugar RefiningSun Tanning SalonsSupermarkets Less than 50,000 square feet BOP eligible

Surveyors – Land Not Engaged in Actual ConstructionSwimming Pools – Commercially OperatedSwimming Pools – Install, Service and Repair No umbrella

Syrups or Molasses – Refining, Blending and MfgTailoring or Dressmaking Establishments – Tailor Merchants BOPTank Building, Mfg, Construction, Installation or RepairTanning – Animal HidesTattoo ParlorsTaxicab CompaniesTaxidermistsTelecommunication Equipment Mfg, Providers or Service ProvidersTelegraph CompaniesTelephone, Telegraph or Cable Television Line Construction No umbrella if tower construction

Teleproduction StudiosTelevision or Radio Receiving Set – Installation or Repair BOP if repair on insured's premises, small contractors if jobsite repair

Television Picture Tube MfgTent or Canopy Mfg, Erection, Removal, Repair – Rented and Loaned to OthersTextiles or Textile Processing – All ClassesTheaters – All Classes and Traveling Theatrical CompaniesTicket Agencies Other than theatrical BOP eligible

Tie, Post or Pole Yard

Page 18

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesTile, Stone, Marble, Mosaic or Terrazzo Work – Interior Construction ContractorsTire Mfg, Retreading or RecappingTire Dealers No recapping or retreading

Title AgentsTobacco Products – Distributors, Stores, Mfg and WarehousingToll BridgesTool Mfg – AccessoriesTool Mfg – Hand Type (Powered and Not Powered) and Power Equipment HouseholdTowers – Telecommunication, Existence Hazard Only (LRO)Towing ServicesTownhouses or Similar Associations (Association Risk Only) BOPToy Distributors and Toy StoresToys or Games Mfg No umbrella

Trailer Dealers Trailer Rental Agencies, Trailer MfgTravel Agency ToursTree Pruning, Dusting, Spraying, Repairing, Trimming or FumigatingTruck Mfg or AssemblingTruckers Limited to local rural routes

TunnelingTurpentine or Resin MfgTwine or Cordage MfgUmbrella or Cane MfgUnderpinning Buildings or StructuresUpholstering and Upholstering – Shop OnlyVacant BuildingsVacant Land Valves MfgVariety Stores Five and ten cent stores BOP eligible

Vegetable or Fruit PackingVegetable Oil Mfg No property

Vending Machine Operations No tobacco products

Vending Machines MfgVenetian Blinds Mfg or Assembling

Page 19

EMC Appetite Guide For Commercial LinesThis is a guide. Individual risk characteristics still apply.

Risks Accepted With Underwriting Approval =Contractors – May Be Eligible for Our Small Contractors Program =

BOP – May Be Eligible for BOP – See BOP Guide =Risks Accepted With Underwriting Questions and Approval =

Risks That Do Not Meet Underwriting Guidelines =

Risk Identifier NotesVeterinarian or Veterinary Hospitals BOP Small animals only

Video Stores BOPWarehouses – All Other ClassesWarehouses – Mini-WarehousesWashing Machines, Dryers or Ironers – Coin Meter TypeWatch or Watch Case MfgWater BottlingWater CompaniesWater Mains or Connections Construction No workers' compensation

Water Softening Equipment – Installation, Service or Repair; Equipment Rented to OthersWaterproofing – All ClassesWax or Wax Products Mfg and Polish MfgWeb Site Designers No web hosting

Weighers, Samplers or Inspectors of MerchandiseWelding or Cutting No umbrella if structural or pressure vessels

Wharf or Waterfront Property Wheel MfgWicker, Rattan, Willow or Twisted Fiber Products MfgWigs or Hair Pieces MfgWind Turbines – All ClassesWindow Cleaning – Three Stories or Less No workers' compensation

Window DecoratingWine MfgWire Cloth MfgWire DrawingWire Goods MfgWire Rope or Cable MfgWood Preserving No property

Wood Products or Wood Turned Products Mfg No pallet mfg

Wool Combing, Scouring, Pulling or Separating From CottonWrecking YMCA, YWCA or Similar InstitutionsYouth Recreation Programs Zoos

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