Commercial and Agricultural Underwriting Mandates and ... · 2015 | 2016 Commercial and...

2015 | 2

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Commercial and Agricultural Underwriting Mandates and Guidelines

Risk Classifications

Page | 1Risk Classification: July 2015

CONTENTS

GENERAL 2

TREATY EXCLUSIONS 3

RISK CLASSIFICATION 13

Page | 2 Risk Classification – Version 1: 2015

General

GENERAL

1. TREATY ACCEPTANCE

1.1 You are allowed by agreement to accept any risk within your mandate.

1.2 Mandatesarecontainedintherelevantbinderagreementwithcurrentyearlimitspersection,includingSub-Sectionlimits.

1.3 Both commercial and agricultural risks are dependent on the same treaty and therefore the same rules shall apply.

1.4 All risks exceeding your current mandate must be referred to Hollard for approval. Without approval both the facility and Hollard are exposed.

1.5 If the riskor riskdescription isnotcontained in theGuidelines it shouldautomaticallybe treatedasareferral to Hollard.

2. EXCLUSIONS

2.1 Hollard'sunderwritingandacceptanceabilityislimitedbyspecifictreatyexclusionsandassuch,notalltypes of business is acceptable.

2.2 Whenindoubtortheriskdoesnotsufficientlyfitthe listedoccupationstheriskhastobereferredforclearance prior to acceptance.

2.3 Readthelistofreferralsandexclusionsinconjunctionwiththeriskclassificationlistwhichcontainsreferralsandexclusionsfromanunderwritingperspective.

Page | 3Risk Classification – Version 1: 2015

Treaty Exclusions

TREATY EXCLUSIONS

1. SECTION REFERRALS OR DECLINED RISKS

1.1 A. Special Acceptance and referrals

1.2 B. GeneralExclusions–Allsections

1.3 C. GeneralExclusions–FireClassesandBusinessInterruption

1.4 D. GeneralExclusions–Motor(owndamage)includingMotorLiabilities

1.5 E. General Exclusions – Personal Accident

1.6 F. GeneralExclusions–Watercraft

1.7 G. General Exclusions – Liability

1.8 H. General Exclusions – Employer's Liability

1.9 I. General Exclusions – Money

1.10 J. GeneralExclusions–Theft

1.11 K. General Exclusions – Goods in Transit

1.12 L. General Exclusions – Business All Risks

1.13 M. General Exclusions – Fidelity

1.14 N. GeneralExceptions–Directors&Officers

A.Specialacceptanceandreferrals–allSections

1. Actionarenas(liabilityandstructure(fire/combined))

2. AllSubsidenceandLandslipCover(RefertosectionSubsidenceandLandslip)

3. Anynon-standardconstruction

4. Antiquesandsecond-handfurniture

5. BusinessInterruptiononchickenproducers,eggs,vegetables,contractgrowersandthelike

6. Businesscombinationofcommercialandagriculturalrisks,co-operativesandthelike

7. Chemical-related risks

8. Chickenproducers,eggs,vegetables,contractgrowersandthelike

9. Co-insurance arrangements

10. Directors'andOfficers'Liability(exceedingthemandatecontainedintheguideline)

11. Fast-food outlets

12. Fillingstations

13. Hospitalityindustryincludinghotels,B&B'sandlodges

14. Liabilities:

a) OfficersandDirectorsexceedingR2500000

b) ProfessionalIndemnity–alllimits(specialistunderwriting)

c) PerformanceGuarantees–alllimits(specialistunderwriting)

d) ErrorsandOmissions–alllimits(specialistunderwriting)

e) Spread of Fire exceeding R3 000 000

f) Products/DefectiveWorkmanshipexceedingR5000000

15. Motor traders

16. Motor unsupported

17. Pedigreedanimals(theft)

18. Propertyinliquidation

19. Quad bikes – no Liability cover


Treaty Exclusions

A.Specialacceptanceandreferrals–allSections(cont...)

20. Restaurantswithplayareas,jumpingcastlesandthelike

21. Schools,crèches,playcentres,youthclubsandclubs

22. ThatchRisks (Commercial/Agri/Personal)Thatch risksexceedingR2500000shouldbeaccompaniedbyasurvey

23. Scrap dealers (avoid if possible)

24. Unoccupied premises

B.GeneralExclusions–Allsections

1. AccidentaldamageandbusinessinterruptionresultingtherefromwhichexceedsR1000000anyonepolicy

2. Agreed value basis – all property

3. Allpolicieswhichincorporateanaggregateexcess,whichappliestoNon-Motor,LiabilityandMarinebusinessandallcollectivepolicies,poolingarrangements

4. All Risks wordings

5. Anyminingrisksoranybusinessincorporatingminingactivity,beitundergroundoropen-castminingandanyliabilityattachingtheretoincludingbusinessactivitiesonminingpremises

6. Arms,explosives,fireworks,storageorother

7. Asbestos-related risks

8. ATM-typerisks,gamingmachines,casinos

9. AviationHullandLiabilitiesincludingaircargoandallbusinessinterruptionresultingtherefrom

10. Bondsandguaranteesincludingliquidationbonds

11. Bookmakers,toteandtattersalls

12. BusinesswrittenonanExcessofLoss,Layered,StopLossorFirstLossbasisexceptfornormalpolicyexcess/deductible

13. Businessactivitiesonairportpremises,apronsorwithintheconfinesoftheairport

14. ComputerLossGeneralExceptionandCyberExclusion

15. Contractor'sAllRisks,ErectionAllRisks,MachineryBreakdownpoliciesandallBusinessInterruptionresultingtherefrom

16. Excess of loss cover

17. Farmstalls,isolatedrisks

18. Gaming and casino

19. Growingcropsandtimberrisksofanysort,includingnurseries

20. Infectiousdiseaseandepidemicsorpandemics

21. Long-termpolicies,policieswithatermexceeding12months

22. LivestockandbloodstockofanysortunlessunderwrittenintermsoftheAgriproduct,includinganybusinessinterruptioncoverresultingtherefrom

23. MarineHullandCargopoliciesandallBusinessInterruptionresultingtherefrom

24. Mines and mine-related risks

25. Municipalitiesandpublicorgovernmentauthorities

26. Musical instruments other than private use or which are being used at home (not for sideline income)

27. Nuclearenergyrisks/causes

28. Obligatory reinsurance other than inwards treaty reinsurance of branch and/or associated companies ofHollard

29. Offshoreoiland/orgas-drillingorproductionrigsandallbusinessinterruptionresultingtherefrom

30. Pawnshops

31. Performance guarantees


Treaty Exclusions

B.GeneralExclusions–Allsections(cont...)

32. Pluvius cover

33. Policiesissuedforaperiodexceedingtwelvemonthsplusoddtime

34. Pooling arrangements

35. Plant Road Risk if not registered to go on a public road

36. Prospecting,extractingandrefiningofliquidorgaseousfuel

37. Recoveryvehicles,tow-invehicles,vehiclesusedbyprofessionalrecoveryortow-inservices

38. Repossessedproperty(sheriffandthelike)

39. Risksinliquidation

40. Sasria/Nasriacovers

41. Security companies – Liability and Motor (excluding premises risks)

42. Seepage,pollutionandcontaminationunlesssuddenandunforeseen

43. a) War,invasion,civilwarorpassivewar;

b) nuclearenergyrelatedrisks;

c) nuclearcausedrisksandcomputerfailureasaresult;

d) Sasria;

e) terrorism;

f) MVA-typerisks;

g) personalaccidentnuclearexclusion;

h) civilcommotion,labourdisturbances;

i) riot,strike,lockout,publicdisorder;

j) actsofforeignenemies,hostilities,warlikeoperations;

k) overthrowofgovernment;

l) consequentialloss

44. Terrorism,warandcivilwar/unrest

45. Transporters/carriers/hauliers

46. War,CivilWar,PassiveWar,NuclearEnergyandNuclearCausesRisks,Sasria,Terrorismor'MVA'-typerisksincluding the Personal Accident Nuclear exclusion

C.GeneralExclusions–FireClassesandBusinessInterruption

1. BusinessInterruptiononchickenproducers,eggs,vegetables,contractgrowersandthelike

2. Charcoal and pellet plants

3. Chemicalplants,petrochemicals,fuelplants,depotsandthelike

4. Customers/Suppliersextensiontobesub-limitedwithallnamesanddependenciesstatedindividually.SeeSectionBusinessInterruptionfordetails(wordingcontainslimitations)

5. Chickenproducers,eggs,vegetables,contractgrowersandthelike

6. Denial of access

7. Explosives,arms,fireworksandthelike(ofanydescriptionorinanyformincludingmanufacturingandthelike)

8. Fuel,flammablesinbulk(depots)excludingfillingstations

9. Gradualpollutionand/orcontamination(usuallyfollowstheliability)

10. Growingtimber,cropsorplants(nurseries)–onlyreinstatementcosts–refer(noBusinessInterruption)

11. Livestockand/orpedigreedanimals(unsupported)

12. Lossofattraction

13. Miningrisks–eitheractiveorinactive

14. Motorpoliciesofanytypeanddescription


Treaty Exclusions

C.GeneralExclusions–FireClassesandBusinessInterruption(cont...)

15. Policies with aggregate excess

16. Recycling – all types

17. Sprayirrigationsystems(specificsectioninAgriwording)

18. TheftandBusinessInterruption

19. Unoccupied property

20. Waste collectors and plants and recycling

D.GeneralExclusions–Motor(owndamage)includingMotorLiabilities

1. Agreed value

2. Buses,taxis,coaches,ambulances,limoservicesandvehiclesbelongingtocarrentalcompanies(rentalcars)

3. Carriage of passengers for hire or reward (fare-paying)

4. Classifiedasmotorinsurancebusinessonly–Vehiclesusedforthetransportationof:

a) explosivessuchasnitroglycerine,dynamiteoranyothersubstancegenerallyclassifiedasahigh-explosivesubstance;

b) hazardouschemicals;

c) hazardouswaste;

d) gas.

5. Contractors plant or machinery which is not licensed

6. FireonMotorundertheFireSectionorMVABusiness

7. 4X4trials,off-roaduse,bundu-bashingandthelike(bothmotorvehiclesandmotorcycles)

8. Military,policingandsecurityvehicles

9. Motorinsurancecoveringtramways,trolleybusesormotorvehiclesofanykindrunningonrails

10. Motor used on and in underground mines

11. PassengerLiabilityontheopenportionofavehicle(includingmotorcycles)butAgriwordingmakesprovisionfor such extension

12. Professional racing or race track days including driver training

13. Racing,go-carting

14. Rallies,racingandspeed-testingorsportsmeetings,advanceddrivercourses

15. Responsevehiclesofanykind(Police,medical,towtruckandthelike)

16. Securitypatrolling,responsevehicles,medicalresponse

17. Thebulktransportationofliquefiedpetroleumorgasolineorcarriageofhazardouswaste

18. UnsupportedMotor–liabilitiesexceedingR1000000

19. Vehiclesdesignedtooperateonterrafirmaoronrails

20. Vehiclesnotdesignedtooperateonterrafirma,onrails

21. Vehiclesusedinthemotortrade,demonstrationandthelikeunlessintermsofMotorTradersapprovedbyHollard

E. General Exclusions – Personal Accident

1. Activeparticipationinriot,strikes,civilcommotion,war

2. Amountsexceedinganyonelife/knownaccumulationlimits

3. Anyformofpolicing,defenceforce,unrestcontrollingandsimilaractivities

4. Asbestos – any form

5. Crewsonshipsoroff-shoredrillingrigs

6. Deathordisablementfromanycauseexceptaccidental(includingbutnotlimitedtooccupationaldiseases)

7. Long-term disability


Treaty Exclusions

E. General Exclusions – Personal Accident (cont...)

8. Members of the armed forces

9. Mining/undergroundworks

10. Naturalcauses–thepolicyintentionistocoverexternalaccident

11. Petroleum,refineryandammunition/fireworks/explosivesmanufacturers

12. Productionunits,theprincipalobjectofwhichisthemanufacture,processing,storage,conveyance,anduseof and trade in explosive substances

13. Professional sportspersons including racing

14. Ships' crew members

15. Travelagency/airportcouponbusiness,long-termbusiness

16. Travelcard/chargecard/creditcardbusiness

17. Travelinaircraftexceptasapassenger

18. TTD in excess of 104 weeks

19. Undertheinfluenceofalcohol,drugs,etc.

20. Undergroundminingrisks,tunnelingandotherrelativelylargeundergroundworks

21. Workmen'sCompensation-typebusiness(COID)/NuclearExclusion

F.GeneralExclusions–Watercraft

1. Any Liabilities accruing to the use of Jet ski's single-handed navigation outside SouthAfrican,Namibian,Mozambican and Angolan territorial waters

2. Cargo thereon or cargo carriers

3. Carriage of passengers for hire or reward or carriage of fare-paying passengers

4. Confiscationbyanyauthority

5. Military,war,invasion,inconnectionwiththeoverthrownofgoverningbodies,martiallaw,siegeandthelike

6. Navigationinoceanwatersmorethan50nauticalmilesfromtheshoreline

7. Non-marine Liability Exclusion Clause (1987)

8. Offshore-relatedrisks

9. Racingofwatercraftorusefordemonstrationpurposes

10. RadioactivecontaminationperInstituteRadioactiveContaminationExclusionClause(01/10/90)

11. SeepageandPollutionClause(1/187)

12. Single-handednavigationoutsideRSA,Australian,Namibian,MozambicanandAngolanterritorialwaters

13. Skiers' Liability in excess of R250 000

14. Vessels used for commercial use

15. Vesselsbeingtowedexceptunderthe"tow-and-assist"navigationclause

16. WatercraftLiabilityonanycraftexceptpleasure-craftforprivateuse

G. General Exclusions – Liability

1. Advertisinganddevelopmentthereof

2. Alllegalliabilities(otherthanpropertyowners,occupiers)

3. Animalfeedmanufacturers,plants,mixing,labelling

4. Any environmental risk

5. Anyoccurrence-basedwordingswiththeexceptionofPersonalandMotorLiabilities

6. Asbestosandfibreglassplants/manufacturers


Treaty Exclusions

G. General Exclusions – Liability (cont...)

7. Aviation:

a) LiabilityandairportcontroltowerLiabilitypolicies;

b) ProductsLiabilitypoliciesofmanufacturersofaircraftcomponents,includingbutnotlimitedto:aircraftfuselage;wingsandstructuralparts,landinggears,tyres,enginesandenginecomponents,propellers,fuelsystems,electronicandelectricalequipment,hydraulicequipment,aircraftinstrumentsandthelike.

c) Ifaviationappearsinthedescriptiontheriskisadecline.

8. Bankers’blanketpolicies,bondsandthelike

9. Bloodbanks,bloodproducts

10. Bridges

11. Cement plants

12. Chemical plants and mixing

13. Cigarettes,cigarandtobaccomanufacturersandplants

14. Construction-relatedactivitiesincludingroads,buildingsandthelike

15. Consulting,civilengineers

16. Controlrooms,securitycontrolandthelike

17. Contractor's liability (CAR) – do not extend the standard liability to include builder's risks

18. Dams,cofferdams,bridges,includingdesignandbuildingoranyliabilityassociated

19. Demolitioncontractors,advisors,etc.

20. DirectorsandOfficers(applyatHollard)

21. Discjockeys,bands,musicforentertainment

22. Dispensing risk

23. Environmental impairment

24. Events and events management and organizing

25. ExportstoUSA/Canada

26. Fertilizermixers,manufacturersorlabelers

27. Fuelinbulkortransportationthereofexcludingfillingstations

28. Fines,penalties,vindictive,punitiveorexemplary

29. Foodstuffmanufacturing

30. Gasinbulkortransportationthereof

31. Glues and adhesives

32. Gradual Environment Impairment – Clause LMC1B

33. Inefficacy

34. HospitalityindustryincludingHotels,B&B'sandLodges

35. Inrespectofinjury,ordamageshappeningintheUnitedStatesorAmericaorCanadacausedbyorthroughorinconnectionwithanygoodsorproductssoldorsuppliedbyortotheorderoftheInsuredifsuchgoodsor products have to the Insured's knowledge been exported to the United States of America or Canada by or on behalf of the Insured

36. Jumping castles and the like

37. Labour brokers

38. Liabilityarisingfromthestorageandprocessingofpetroleumandgasolineatrefineries

39. Liabilityinconnectionwithairports,aviation,marineandrailway

40. Manufacturing or mixing of animal feeds

41. Medicalmalpractice

42. Medicalsuppliersdoctors,pharmacies,consultingrooms

43. Mining – all related to mines


Treaty Exclusions


44. Motor:

a) racetrackrisks;

b) vehiclesorself-propelled;

c) motorcycles;

d) vehiclesonrails;

e) vehiclesnotonterrafirma

45. North American Cost Inclusive (LGT 398)1994

46. NorthAmerican(Canada)Operations(LGT397)dated1994includingUSA

47. Paintballfacilities

48. PenaltiesforPerformance,ProductsandDelayGuarantees

49. Pestcontrolandpesticidesmanufacturing

50. Petro-chemicals,fuelplants

51. a) Pharmaceutical;

b) chemical,pesticides,insecticides;herbicides,manufacturingrisksorelse;

c) dispensingliabilitiesincl.clinicaltestsortrialsofdrugs;

d) manufacturingormixingofhomeopathicsubstances;

e) saleofproducts/medicineonreinsurer’slist(availableonrequest).

52. Play and theme parks

53. Policeservices,military,naval,airforce,marine

54. PoliciesnotcontainingLocalJurisdictionClause

55. Policies without an aggregate limit

56. Productsliabilityordefectiveworkmanshipwithoutanaggregatelimit(referral)

57. Productsandgeneralliabilitypoliciesissuedtocompaniesorplantsinvolvedinthemanufacture,productionorstorageof:

a) fireworksandammunition;

b) fuses;

c) cartridgesandgunpowder;

d) nitroglycerineoranyexplosiveunlesspurelyincidentaltothemainoperationsoftheinsured;

e) gases and/or air under pressure in containers unless purely incidental to themain operation of theinsured;

f) butane,methane,propaneandotherliquefiedgases;poisonoussubstancesandtoxicwaste.

58. Products guarantee and recall

59. Professional indemnity

60. Prospecting,extractingandrefiningofliquidorgaseousfuelorminingrisks

61. Quarry,opensandpitsandthelike

62. Remote-controlled devices (including aerial)

63. Sanctionstypecovers

64. Schools'liabilityincludingnurseryschools,Sundayschools,after-carecentres,crèches(incl.MotorLiabilities)

65. Securitycompanies(excludingfitment,repairs,sales)

66. Seepage,pollutionorcontamination(includingbutnotlimitedtoEnvironmentalLiability)exceptaccidental

67. Shipbuildersandrepairersandfinancialloss

68. Soap,detergentanddisinfectantmanufacturers

69. SouthAfricanjurisdictiononPersonalCommercialfollowsjurisdictionofHSBGenericCommercialwording


Treaty Exclusions


70. Travel Insurance policies

71. Tree-felling,bushclearing,preparingfirebreaks

72. Umbrellaliabilities

73. Unsupported covers

74. Wastedisposalandrecyling–medicalorelse,includingplants

75. Worldwide Claims-made Basis (LGT400)

76. WorldwidePunitiveDamages(LGT399)

H. General Exclusions – Employer's Liability

1. Airlines in respect of the aircrew personnel

2. Anylegalliabilityofwhatsoevernaturedirectlyorindirectlycausedbyorarisingfromionization,radiationorcontaminationbyradioactivityfromanynuclearfuelorfromanynuclearwastefromthecombustionofnuclear fuel

3. Liabilitiesarisingfromchemicaland/orbiologicalsubstances

4. Liabilitiesarisingoutoftheuseorinstallationofasbestos

5. Manufactureand/orproduction,storage,filling,breakingdown,transportoffireworks,ammunition,fuses,cartridges,powder,nitroglycerine,and/oranyexplosiveorgasesand/orairunderpressureincontainersorbutane,methane,propaneandotherliquefiedgasesortoxicsubstancesortoxicwaste

6. Mines

7. Occupationaldiseasesofanysort

8. Oilcompaniesinrespectofoffshoreemployeesincludingtransitonandoffshore

9. Oilcompanies–drilling,producing,refininganddistributing

10. Quarry or mine workers

11. Shippinglinesinrespectofships'crews,shipbuilding,ship-repairingandship-breaking

12. Undergroundandunderwaterminesandallundergroundservicesinconnectiontherewith

13. Utilities(electricalandgas),municipalities

I. General Exclusions – Money

1. ATMs – money contained therein

2. Bankers,bondsandthelike

3. Bookmakers(Tote/Tattersalls)

4. Bullion

5. Collectors,debtandmoneycollectors

6. Convenienceshops(ifneedbe,referHSB)

7. Casinos,gamingparlors

8. Gamingmachines,casino-typerisks–ormoneycontained

9. Jewellers

J.GeneralExclusions–Theft

1. ATMs (including money contained therein)

2. Bankers,bondsandthelike

3. Bullion

4. Bookmakers,tote,betting,tattersalls–office

5. Collectors,debtcollectors,moneycollectorsandthelike

6. Convenienceshops(ifneedbe,referHSB)

7. Gamingmachines,casino-typerisks(includingmoneytherein)


Treaty Exclusions

J.GeneralExclusions–Theft(cont...)

8. Jewellers and jewellery

9. Livestock and pedigreed animals

10. Musicalinstruments(bands)andequipmentusedforpublicentertainment

11. Property in the open unless agreed with HSB

K. General Exclusions – Goods in Transit

1. Collectors,debtcollectors,moneycollectorsandthelike

2. Contractors and cartage contractors

3. Gold and bullion

4. Goodsofabrittlenatureorpronetobreakage,eggs,glassandthelike

5. Casinos,gamingparlors

6. Gamingmachines,casino-typerisks

7. Instituteclauses–theproduct/treatydoesnotmakeprovisionfortheinclusionofsuchclauses


9. Musicalinstrumentsforpublicentertainment,DJsandthelike

10. Pawnshops and second-hand dealers

11. Recoveredvehicles,vehiclestowed,vehiclesrecoveredortowedbyprofessionalrecoveryortow-inservices

L. General Exclusions – Business All Risks

1. Aerialdevicescontrolledremotely,spycameras,aerialcamerasandthelike

2. All noted under GIT

3. Art,antiques,orientalcarpets

4. Book,coin,stampcollections

5. Cameraandphotographicequipmentforprofessionaluse

6. Computer/electronicequipment(referElectronicEquipmentsection)

7. Contractors and cartage contractors – property transported

8. Extrasonmotorvehicles,motorcycles,etc.,referHSB

9. Fine instruments

10. Gamingmachines,casino-typerisks

11. Glass insured as stock

12. Goodspronetobreakageandofabrittlenature,eggs,glass,porcelain,fragileproperty


14. Motor vehicles and motorcycles

15. Musicalinstruments,bandsetc.private/businessuse,DJs,publicentertainmentandthelike

16. Pawnshops and second-hand dealers

17. Perishablefood,frozen,cooledorotherwise(remembertocovermachinerybreakdownfirst)

18. Plant(bulldozers,gradersandothers)

19. Propertyletout/onhire

20. Propertyusedonsea,navigationequipmentunlessfittedtoaprivatecraft

21. Quarry/Miningequipment

22. Stock-in-trade of any nature

23. Tents,tarpaulins,marqueetents

24. Theatrical props and costumes

25. Travellers' samples


Treaty Exclusions

M. General Exclusions – Fidelity Guarantee

1. Bookmakers,totesandtattersalls

2. Gaming and casinos

3. Labour brokers

N.GeneralExclusions–Directors&Officers

1. Administrators and trustees

2. Airlines and airports

3. Actsofterrorism,organisationsorrelations

4. Asbestosrelatedoperations

5. Bio-technologyplantsandoperations

6. Bodily injury

7. Businessoccupation–nochangesduringthepast12(twelve)months

8. Claims – no current claims or which the insured may be aware of

9. Director against director

10. Financialinstitutions,banks,fundmanagers,anyformoftrust,privateequityfunds,savingsplans,corporatefinancialadvisors,insurancecompanies,creditunions,stockexchangesandthelike

11. Finesandpenalties

12. Gasandoiloperationsandplants

13. Illegal and improper conduct

14. Inceptionofcover–lossordamagepriortoinception

15. Incorrect payment of commission

16. Investigations–noneofthedirectors/officersorthecompanywasunderregulatoryinvestigationorisundercurrentlyunderinvestigation

17. Limits exceeding R2 500 000

18. Mining

19. Officeragainstofficer

20. Oilandgasoperationsandplants

21. Pharmaceuticals

22. Pollution

23. ProfessionalIndemnity–anycoverrelatingthereto

24. Property damage

25. Sanctionsexclusion–anyinsuredwithinthedescription

26. Shareholding – any member holding more than 25% shares in the company

27. Shares – incorrect placement

28. Solvency – company must be solvent

29. Telecommunicationsoperations

30. Tobaccoplantsandoperations

31. Trustees and administrators

32. USA and Canada


Risk Classification

RISK CLASSIFICATION

GENERAL

1. Thisisaneasyreferencetotherelevantsectionwheneverriskclassificationisdecided.

2. Firstlydeterminethecorrectclassificationcodeclosesttothedescriptionbelow.

3. If nothing closely related can be found the risk has to be referred to HBM.

4. Bothriskclassificationguidelinesarereviewedandwillbecombinedinfuturereleasesoftheguideline.Therewillbeseparateriskclassificationguidelinesinusebythedifferentparties(branch/binder)untilreleasethereof:

4.1 Binders:

4.1.1 Usethecurrentriskclassificationguideinuseandascontainedinthisguide.

4.1.2 Thecurrentclassificationguideisunderreviewandwillbereleasedandcontainedinthenextguideline version.

Fire,Combined,BusinessInterruption,AccountsReceivableandOfficeContentsContents(includingAccidentalDamage)

RiskClassification

Low Risk – L (previously classified as A):

Occupancies where the materials handled or the process carriedout is liable, in theeventof fire, to cause very slowcombustionwithaverylowrateofrapiditythoughisnotlikelyto give rise to poisonous fumes, nor cause explosions. Veryfew ignitionsourcesare likelyavailable so inceptionhazardsare low. Fires are not likely to become serious and control of fires can generally be achieved relatively easilywith trainedpersonnelon-siteusingfirefightingequipment.

1, 19A and 19B:

a) Private/domesticdwellings;b) Nonindustrial;c) Residential.

Medium Risk – M (previously classified as B and C):

Occupancies where the materials handled or the process carriedoutisliable,intheeventoffire,tocausecombustionwith moderate rapidity but is not likely to give rise to poisonous fumes, nor cause explosions.Moderate ignition sources arelikelyavailablesoinceptionhazardsaremoderate.Theaveragefiredoesnotstartquicklyandisofmoderateintensitysonotlikelytospreadquicklyorburnwithincreasingintensityunlessthere is heavy concentrations of combustiblematerials (i.e.liquid,solidorgas)available.Controloffirescangenerallybeachieved throughmoderateeffort required from industriallytrainedpersonnelon-siteusingfirefightingequipment.

3, 6 and 19C:

a) Retailshops;b) Cinemasandtheatres;c) Showrooms;d) Café;e) Non-industrial;f) Wholesale,ware-housing,bulkstorage,reserve

storage,non-hazardous.


Risk Classification

High Risk – H (previously classified as D):

Occupancies where the materials handled or the process carriedoutisliable,intheeventoffire,tocausecombustionwith extreme rapidity or give rise to poisonous fumes, toa lesser degree to cause explosions. Considerable ignitionsources are likely available so inception hazards are high.Thereisgreatprobabilityofhighlyflammablefluids(liquids&gases)andsolidsavailablethatpropagateflamesveryeasily.Generally fires start easily and, immediately after ignition,spread fast and increasequickly in intensity. There is a littlechanceoftrainedfireteam’son-sitegainingcontrolofanyfiresthat may occur.

2, 4, 7 and 19D:

a) Hotels;b) Hospitality;c) Restaurants;d) Takeawayshops;e) Bars;f) Catering;g) Farmsandestates;h) GIT;i) Propertyintheopen;j) Storagerisksonlyof:

i) Wholesalersandware-housing;ii) bulkandreservestorage;iii) hazardousoreasilydamagedgoods;iv) chemicals;v) fodder, rubber, timber, plastic, mohair,

hidesandskins,woolandthelike.

Occupancies where the materials handled or the process carriedoutisliable,intheeventoffire,tocausecombustionwith extreme rapidity or give rise to poisonous fumes, orcauseexplosions.Extensiveignitionsourcesarelikelyavailableso inception hazards are vast. There is great probabilityof extremely flammable fluids (liquids & gases) and solidsavailable that propagate flames very easily. Generally firesstart quickly, spread furiously, and burn intensely. There isverylittlechance(ifany)oftrainedfireteam’son-sitegainingcontrolofanyfiresthatmayoccur.

19E and 19F:

Manufacturingriskonly:

a) hazardousgoods;b) easilydamagedgoods;c) chemicals;d) paint,solvents;e) fodder,rubber,timber,plastic,mohair,hidesand

skins,woolandthelike.

Accommodation – AC (previously classified as E):

a) Risks not a treaty exclusion but undesirable from an underwritingpointofview;

b) Ifnotclearlydefinedintermsoftheriskclassification;c) Declinedrisksbutpotentiallyacceptablewithsupporting

evidence.

RefertoTechnicalUnderwriterswithmotivation.

Decline – D (previously classified as F and G):

a) Treatydeclineandassuchnosupportfromreinsurers;b) Outrightdeclinefromanunderwritingpointofview,i.e.

badpastexperience;c) Area,location,processesandthelike.

RefertoTechnicalUnderwriterswithmotivation.

Theft/Glass Comments

1 Notattractiveatall,noresale

2 Moderatelyattractive,goodshaveresalevalue

3 Highlyattractive,quick-selling

4 Accommodation–refertoHSBU

5 Decline

Money Comments

1 Maximumamountskeptinsafe/receptacles:R10000,basicalarm,officepremises

2 Maximumamountskeptinsafe/receptacles:R50000,linkedalarm,shop

3 Bottlestores,cafes,chemists,garages,videoshops,supermarkets

4 Accommodationinisolatedareas,amusementarcades–refertoHSBU

5 Decline,banks,ATMs,casinos


Risk Classification

Goods in Transit Comments

1 Loadnotsusceptibletobreakageand/ortheft,unattractive

2 Loadmoderatelysusceptibletobreakageand/ortheft,attractive

3 Loadhighlysusceptibletobreakageand/ortheft,attractive

4 Electronicgoods,televisionsets,photographicequipment

5 Decline

Public Liability Comments

A Lowriskofinjury,spreadoffire,lowpeoplevolume

B Moderatelylowriskofinjury,spreadoffire,lowpeoplevolume

C Semitohighriskoccupation,explosion,bodilyinjury

D Highriskoccupation

E Accommodation–refertoHSBU

F Decline

Todeterminethecorrectriskclassification:

• determinefromthelistabovetheclassificationcodebestrelatedtotherisktobeunderwritten;

• lookuptheriskdescription;and

• determinethecorrectclassificationintermsofacceptabilityandrating.

Remember,ariskcouldbeexcludedintermsofthetreatyoracceptedintermsofthetreatybutexcludedintermsoftheclassificationtable.Makesuretheriskisacceptablebothwaysbeforeissuingthepolicy.

First check if risk type is not treaty exclusion.

Occupation Comments Fire G I T Theft

&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

A.

Abattoirs D 2 2 D E -

Abrasive wheel powder manufacturers

C 3 3 C C -

Action bars, pubs, sport bars, beer halls, taverns

F 5 5 F F F

Acid manufacturers E 5 4 E E -

Accounting services A 1 2 1 - -

Accumulator manufacturers E 3 3 D D -

Adhesives See Glue - - - - - -

Advertising:

a) Agency

b) Billboards

Pleasenote:nocover should be provided in respect

of contents published!

C

D

1

3

2

2

D

D

-

-

-

-

Aerated water:

a) Manufacturers

b) Warehouses

Not on brewery premises

B

D

4

4

3

3

B

D

B

D

-

-

Aerodromes and airports F - 3 F F F

Aerosol cans – manufacturing D/G 2 3 E E E


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Agency:

a) Modelling

b) Employment/labour

c) Public fresh market

A

A

C

1

1

4

1

1

4

A

F

D

-

-

-

-

-

-

Agricultural implement manufacturers

C 1 1 B E -

Agricultural shows E 2 5 E E -

Agricultural – warehouses:

a) Machinery

b) Grain

B

D

2

3

2

2

B

B

B

D

-

-

Air-conditioning:

a) Sales

b) Repairs

c) Sales and repairs

d) Sales,repairs,installation CAR Liability

B

C

C

C

B

B

B

B

3

3

3

3

B

C

C

B

C

C

C

D

-

C

C

C

Aircraft:

a) Manufacturers – structures

Officeonly

B 5 3 F F F

b) Manufacturers – engines B 5 3 F F F

c) Manufacturers – components B 5 3 F F F

d) Manufacturers – instruments B 5 3 F F F

e) Charter services B 2 2 B F -

Alcohol distilleries D 5 4 B D -

Alkali manufacturers E 2 3 B E -

Alum manufacturers E 2 3 B E -

Aluminum manufacturers C 2 2 B C -

Ammonia manufacturers E 2 3 B F -

Ammunition/arms – all F 5 5 F F -

Amusement arcades F - 5 F F -

Analytical labs & chemists D 5 4 B D -

Aniline dye manufacturers E 4 3 B E -

Animal fat extractorsPL –

accommodationE 4 2 B G -

Animal feeds:

a) Manufacturing C 2 1 B F -

b) Retail B 2 1 B D -

Art dealers E 5 4 B E -

Art galleries (Public)Subject to proof of

valueE/G 5 4 B E -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Antique dealersSubject to proof of

valueE/G 5 4 B E -

Artificial flower manufacturers

Excludingplastic E 4 2 B E -

Artificial limb manufacturers D 3 2 B D -

Artificial manure works D 2 2 B D -

Artificial resin manufacturers E 2 2 B E -

Artificial silk spinners and manufacturers

E 3 2 B E -

Artificial stone manufacturers B 3 2 B B -

Artists’ studios D 4 2 B D -

Asbestos, asbestos millboard & asbestos product manufacturers/wholesalers

PL – excluding asbestosis

E 3 2 B F -

Assayers (gold and silver) B 5 4 B B -

Assembly halls (not church halls)

C - 3 B C -

Astronomical instrument manufacturers:

a) Metal/electronic

b) Others

B

D

4

4

4

4

B

D

F

F

-

-

Athletic clubs:

a) with stands and pavilions

b) without stands or pavilions

E

E

2

2

4

4

F

E

-

-

-

-

Attorneys A 1 2 A - -

Auctioneers’ salerooms:

a) Livestock 1. GIT:FCOonly F 5 4 F - -

b) Motor vehicles 2. Theft:subjectto proof of value F 5 4 F - -

c) Others incl. furniture 3. Fire/GIT/Theft:subjectto proof of value E 5 4 F - -

B.

Bacon and ham curers E 4 2 C D -

Bag manufacturers:

a) Paper

b) Plastic

c) Leather

d) Others

F

F

C

D

2

2

2

2

2

2

2

2

B

B

B

B

C

C

C

C

-

-

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Bakelite manufacturers E 2 2 B D D

Bakeries and confectioners:

a) Manufacturers

b) Warehousing

c) Sales

E

D

E

2

2

2

3

3

3

C

B

B

D

D

D

-

-

-

Baking powder manufacturers C 3 2 C D -

Banana-ripening plants E 4 2 B D -

Banks:

a) Halls

b) ATMs

A

D

5

5

5

5

B

C

-

-

-

-

Banner, bunting manufacturing

Excludingplastic D 2 2 B B -

Barometer manufacturers B 4 2 B C -

Barracks, boarding D - 3 C C -

Barrel, keg stores (wood) E 3 1 C C C

Basket makers and warehouse D 2 1 D D C

Bass and fibre dressers E 4 4 B C -

Baths:

a) Public

b) Turkish&sauna

B

D

-

-

2

2

D

D

D

D

-

-

Batteries:

a) Manufacturer – wet

b) Manufacturer – dry

c) Dealers

E

E

D

3

3

3

3

3

3

C

C

B

D

D

D

-

-

-

Bead manufacturers:

a) Metal/glass(excludingplastic)

b) Plastic

C B

3 3

2 2

C C

D D

- -

Bedding and mattress manufacturers:

a) Cellularplastic,foamed

b) Rubber,foamed,synthetic

c) Others

d) Warehouses

F

F

F

F

2

2

2

2

2

2

2

2

C

C

C

C

C

C

C

C

-

-

-

-

Bed frame manufacturers:

a) Metal

b) Timber

C

E

2

3

2

2

C

C

D

D

B

B


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Belt and brace manufacturers:

a) Leather

b) Plastic

c) Others

C

E

D

1

1

1

3

2

3

B

B

B

C

D

D

-

-

-

Benzol or benzene plants F 5 3 C D -

Bevellers (glass) D 4 3 B C -

Bicycle manufacturers C 4 4 B C B

Billiards/Snooker:

a) Table Manufacturers

b) Halls

Woodworking –

seeActionbars

E

F

4

3

3

3

B

C

B

c

B

-

Biscuit manufacturers and warehouses

D 2 2 C D -

Black lead/polish/wax manufacturers

F 3 3 D D -

Blacksmiths C 2 2 B D B

Blanket manufacturers F 4 4 C D -

Bleach and dye works and manufacturers

D 3 2 C C -

Blinds:

a) Manufacturers – wood

b) Manufacturers – other

c) Dealers/installers No manufacturing

F

E

D

2

2

3

2

2

3

B

B

B

C

C

D

-

-

-

Boarding houses:

a) No food

b) With food

D

D

2

3

3

4

C

D

C

D

-

-

Boat-builders:

a) Metal

b) Wood

c) Fibreglass

B

F

F

3

3

3

4

4

4

B

C

C

F

F

F

F

F

F

Boathouses and stores for boats – structures

No woodworking or repairs

E/G 2 3 B C A

Boats:

a) In the open

b) Locked up

Marine cover F

C

5

3

5

5

F

C

F

F

-

-

Boiler manufacturers E 3 2 B C B

Bone, horn, ivory:

a) Workers,processors,turners

b) Warehousing

c) Crushers

D

C

C

3

3

2

2

3

2

C C

D

C

C

C

-

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Books:

a) Binders(workshops/stores) F 2 2 D C -

b) Clubs C 2 2 C B -

c) Dealers(distribution/stores) C 2 3 C C -

Boot and shoe:

a) Factories

b) Warehouses

D

D

3

3

3

3

C

C

D

D

-

-

Borax manufacturers E 4 2 D D -

Bottle manufacturers:

a) Glass

b) Plastic

D

E

4

3

2

2

B

C

C

C

-

-

Bottle merchant stores (no plastic)

C 3 2 B B -

Bottle stores (wines, spirits, beer)

D 5 4 B C -

Bowling alleys/pavilions D - 3 C C -

Braid manufacturers D 2 2 C C -

Brake & clutch lining Manufacturers D 1 2 C F F

Bran mills E/G 2 2 D C -

Brass founders and finishers C 2 2 B B -

Breweries:

a) Beer

b) Bottlers

c) Warehousing

C

C

C

4

4

4

3

3

3

D

E

B

D

D

B

-

-

-

Brewers’ grain driers D 2 2 D C -

Brick & tile:

a) Manufacturers – no baking D 3 3 B D -

b) Manufacturers – oven baking E/G 3 3 C D -

c) Manufacturers – open D 3 3 B D -

d) “Green bricks” – in any form F 3 3 B D -

e) Dealers/merchants/warehousing C 3 3 B D -

Bridges, piers and landing stages (including all buildings thereon)

F - 1 D F F

Briquette manufacturers E/G 2 2 D D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Broadcasting studios and transmitters D 4 2 C C -

Broiler farms Refer to HSBU for livestock D 4 3 B D -

Broking Services:

a) Insurance type products

b) Livestock etc.

c) Labour

d) Transport

See Agencies

No vehicles

A

A

A

B

1

1

1

4

1

2

1

4

A

B

F

D

-

-

-

-

-

-

-

-

Bronze manufacturers C 2 3 B C -

Brush Factories E 2 2 D D -

Building:

a) Contractors:

(i) With woodworking

(ii) No woodworking

b) Renovators

c) Demolishers

CAR Liability

Officesonly

F

C

D

F

4

4

4

2

4

4

4

2

B

C

D

F

B

D

D

F

-

-

-

-

Builders, ironmongers, merchants, Stores C 5 5 C C B

Builders, joinery, manufacturers (woodwork)

Survey compulsory E 5 5 D C -

Buildings in course of erection CAR F - 3 D B -

Bulb growers No growing crops F 3 2 B C -

Bunting manufacturers E 2 2 C C -

Butchers:

a) Processed meat and sales

b) Sales only – public

c) Warehousing

C

B

B

3

2

4

3

3

2

D

C

C

D

D

D

-

-

-

Butter manufacturers/ warehouse D/G 4 2 D D -

Button & buckle manufacturers:

a) Bone horn and pearl

b) Metal

c) Plastic,wood

D

B

F

2

2

2

2

2

2

C

B

D

C

C

C

-

-

-

C.

Cabinetmakers, workshops:

a) No woodworking

b) Woodworking

Survey compulsory

Survey compulsory

C

E

2

2

2

2

B

B

B

B

B

B

Cable (electric) manufacturers D 4 2 B C C

Cafes Location!! D 4 4 B D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Cake-mix manufacturers C 4 2 D D -

Camera manufacturers Excludingplastics B 4 4 B D C

Camping equipment – dealers B 2 2 C C B

Candied-peel manufacturers Sugar C 3 2 C D -

Candle manufacturers F 4 2 C F -

Cane workers F 3 2 C D C

Canned-goods warehouses D 2 3 B C -

Canners, bottlers (fish, fruit, meat, veg)

SeeFoodbottlers C 2 2 B D -

Canvas manufacturers F 2 2 B D C

Canvas warehouses F 2 2 B B -

Car alarms:

a) Manufacturers

b) Dealers/fitment

C

D

2

2

2

3

C

C

D

D

-

D

Car-polish manufacturers E 2 3 B D D

Car wash/valet B 2 3 D D D

Car windscreen fitters and dealers B 5 2 C F F

Caravans in the open – holiday Sites F 2 3 B B -

Caravans In the open – dealers F 2 3 B B B

Caravan, luggage-trailer manufacturers:

a) With woodworking

b) No woodworking

D/G

D/G

2

2

3

3

B

C

D

D

D

D

Carbon manufacturers E/G 2 1 C D -

Carbon-paper manufacturers E/G 2 1 C D -

Carbonisers (rag) E/G 2 2 C D -

Carpets and rugs:

a) Cleaners C 3 4 B C C

b) Manufacturers – no weaving D 3 3 B C -

c) Manufacturers – weaving E/G 3 3 C C -

d) Warehousing/dealers/fitting D 3 4 C C D

Carriage and coach builders:

a) Metal

b) Timber

c) Plastic

B

E/G

G

2

2

2

2

2

2

B

D

D

D

D

D

D

D

D

Carriers’ warehouses (freight) See Warehouses F/G 4 2 C D -

Carton manufacturers F/G 2 2 D C -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Cartridge manufacturers G 3 3 C C C

Cartridge-case manufacturers Metal only C 3 3 C C C

Carvers and gilders Wood included E/G 3 2 C C C

Carvers Stone only B 3 2 B B B

Cash loans B - 5 B - -

Casinos, betting, gambling F 4 5 D D -

Cast-iron pipe manufacturers B 1 1 B D -

Catering services C 5 3 C D -

Cattle markets and auctions SeeAuctioneers F 5 4 F D -

Cellular plastics goods, manufacturing

F 2 3 F F F

Cellular phones:

a) Outlets

b) Warehousing

B

B

4

4

5

4

B

B

C

B

D

D

Cellulose-paint manufacturers E/G 2 2 D D C

Cement manufacturers B 1 1 C D D

Chain-stores – see Retail stores

- - - - - -

Chair-webbing manufacturers D 2 2 C B C

Chalets:

a) Standardconstruction

b) Non-standard

SeeHolidayflats

Rented

Rented

B

D

2

2

4

4

B

C

D

D

-

-

Chamois-leather dressers F 2 2 B B -

Chandlers D 2 3 D D -

Charitable societies:

a) Homes

b) Workshops No woodworking

C

D

2

2

2

2

B

B

C

E

-

C

Charcoal:

a) Manufacturers

b) Dealers

Including pressed “green” pellets

F

G

2

2

2

2

B

B

D

D

-

-

Chemicals:

a) Manufacturing,non-hazardous D 3 2 C D -

b) Manufacturing,hazardous F/G 5 2 F F -

c) Warehouses – non-hazardous D 3 2 C D -

d) Warehouses – hazardous F/G 5 2 F F -

e) Sales – non-hazardous D 3 2 C C -

f) Sales – hazardous F/G 5 2 F F -

Chemists See Pharmacy - - - - - -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

China/glassware manufacturers

B 5 2 B E -

Chocolate and cocoa manufacturers

C 3 3 B D -

Chromium platers B 2 3 B B C

Christmas cracker manufacturers

F 3 2 B D -

Churches, church halls, chapels:

a) Noorchestra/musicalinstruments

B

1

3

B

B

-

b) Orchestra/musicalinstruments B 4 3 B B -

Cider manufacturers See Winemakers D 2 3 B D -

Cigar and cigarettes:

a) Manufacturers

b) Warehouses (excl. bonds)

c) Dealers/rooms

F

F

E

3

3

3

4

4

4

C

C

C

D

D

D

-

-

-

Cinemas (film shows only) F 2 3 D D -

Cinema, film, distributors and dealers

E 4 3 B D -

Circuses F 5 5 F F -

Cleaning services Work away B 3 3 D D D

Clinics:

a) Consultingrooms(GP’s,etc.)

No Professional Indemnity

B 2 3 B F -

b) In-patient/dayclinics B 2 3 B F -

c) In-patient/overnight B 2 3 C F -

d) Hospital B 3 3 C F -

e) Health B 2 3 C F -

Cloth-button manufacturers E/G 2 5 B C -

Cloth dressers and finishers E/G 3 5 B C -

Cloth raising E/G 2 5 B C -

Clothing manufacturers:

a) Excl. waterproof garments

b) Including waterproof garments

Rubber,nylonincluding fabrics

D

E/G

5

5

5

5

B

C

D

D

-

-

Clothing:

a) Warehouses

b) Shops

C

C

4

4

4

4

C

C

C

C

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Clubs and clubhouses:

a) Night

b) Gambling

c) Social

d) Political

e) Golf

F

F

D

F

B

5

5

5

5

3

5

5

5

5

3

F

F

F

F

E

F

F

F

F

E

-

-

-

-

-

Coal and coke:

a) Manufacturers

b) Dealers

See Mining F

E

2

2

3

3

D

D

F

F

F

F

Cocoa manufacturers E 2 2 D D -

Coconut-fibre goods:

a) Manufacturers

b) Warehouses

F

F

2

2

2

2

D

D

F

F

-

-

Cod-liver oil manufacturers E 2 2 D D -

Coffee and chicory:

a) manufacturing and roasting E/G 3 2 C D -

b) warehouses D 3 2 B C -Cold-storage – warehouses Insulation! D/G 3 3 B D -

Colleges & universities:

a) Teacher training

b) Universities

c) Training (technical college)

d) Theological

e) Government-owned/managed

B

B

B

B

C

2

3

3

2

3

3

4

4

3

3

B

C

C

B

C

B

C

C

B

D

-

-

-

-

-Collieries See Mining F 2 2 D D -

Colour grinders and manufacturers

E/G 2 2 C D -

Colour printers – artwork:

a) On paper

b) On cloth

c) Onplastic

D

C

D

3

3

3

4

4

4

B

B

B

D

D

D

C

C

CCompost:

a) Manufacturing

b) Dealers

D

C

2

2

2

3

C

B

D

D

-

-Computer services/dealers B 4 5 B D D

Concert halls – modern C 1 2 D C -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Concert halls – old, national, historic

E 2 3 E E -

Concrete block & product manufacturers

B 2 1 B F F

Condensed-milk manufacturers

C 2 3 C D -

Condoms:

a) Manufacturing

b) Dealers

Seeplastic F

C

2

2

2

3

C

C

F

F

-

-

Conference facilities:

a) With catering

b) No catering

c) Facility,cateringin-houseandaccommodation

C

B

C

3

2

3

3

3

3

C

B

B

D

C

D

-

-

-

Confectionery warehouses D 3 3 B D -

Construction (no vehicles) Officeriskonly B 2 2 B - -

Consulting engineers C 3 2 D D D

Container depot Unlessofficesonly F 4 5 E - -

Contractors:

a) Building

b) Air-conditioning

c) Electrical

d) Plumbing

e) Transport (all types)

f) Offices

CAR best suited to cover the works

B

B

B

B

B

B

3

3

3

3

5

3

3

3

4

3

3

3

B

B

B

B

B

B

-

-

-

-

F

-

-

-

-

-

F

-

Convalescent homes (modern)

D 2 2 B -

Convents (no schools/colleges) modern

A 2 2 B D -

Cooked meat manufacturers B 4 3 B D -

Cooking-fat and dripping manufacturers & retail

F 2 2 C F -

Cooking-oil manufacturers and refiners

F 2 2 D D -

Co-operatives:

a) Country (small towns)

b) City

c) Nationalfootprint

Property in the open will always

be a problem

D

C

C

2

2

2

4

3

3

C

B

B

D

B

B

D

B

B

Copper-goods manufacturers and smelters

C 3 3 D D D


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Copper merchants’ warehouses (wholesale)

B 3 3 B C C

Copper-plate engravers C 3 3 B B B

Cork products:

a) Manufacturers

b) Foodapplication

F

F

2

2

2

2

C

C

D

F

-

-

Corn merchants’ warehouses F 2 3 C E -

Corn mills F 2 2 D D -

Cosmetic manufacturers E/G 3 4 B D -

Cotton mills & warehouses Same premises E/G 2 2 C D -

Cotton (including cotton in bales & cotton waste) warehouses not on mill premises

E/G 2 2 C D -

Country trading storesRestrict SI for cigarettes

D 3 4 C D -

Country estates Trustees only 2 2 3 C C -

Courses:

a) Golf,Putt-Putt,other–novehicles B 1 2 F F -

b) Vehicle racetracks B 1 2 F F -

c) With food and accommodation C 1 2 F F -

Crematoria F 1 1 1 C C -

Creosote manufacturers/works

F 1 1 1 C C -

Curriers F 2 2 2 D D

Curtains:

a) Makers

b) Wholesalers

E/G

C

2

2

2

2

3

3

B

C

C

C

-

-

Custard powder Manufacturing

E/G2 2 1 C E -

Cutlery manufacturers B 2 2 2 B C -

Cutlery, tool dealers (wholesale)

B 2 2 2 B C -

Cycle dealers (wholesale) B 2 2 4 B D C

Cycle manufacturers C 2 2 4 B D -

D.

Dado rails:

a) Manufacturing/installation

b) Sales

F

D

3

4

3

3

C

C

D

D

-

D


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Dairy incl. milk, cheese and the like:

a) Sales

b) Manufacturing&processing

c) Bulk storage (warehousing)

d) Transport and delivery

e) Wholesale,sales

B

C

C

B

B

2

2

4

5

5

2

2

2

2

2

C

E

D

B

B

D

D

D

D

D

-

-

-

-

-

Dancing academies & studios No discos D 1 2 D D -

Day nurseries Children C 1 2 F F -

Dam builders SeeConstruction - - - - - -

Dental laboratories, manufacturers, warehouses

E 3 2 B D -

Dentists’ surgeries A 2 2 B D -

Detergent manufacturers F 3 2 B F -

Diamonds:

a) Cutters

b) Dealers

B

B

5

5

5

5

B

B

B

B

-

-

Die casters B 2 2 B E -

Disinfectant manufacturers D 2 2 B F -

Dispensing See Pharmacy

Distilleries See Winemakers D 2 3 B D -

Dock warehouses D 2 2 B E -

Doctors’ surgeries A 1 2 B F -

Doctors’ surgeries – no dispensing

A 1 2 B - -

Drain-pipe manufacturers:

a) Plastic

b) Metal

E

B

2

2

2

2

B

B

E

D

-

-

Drapers’ warehouses D 2 3 B C -

Dressmakers' workrooms D 2 3 C D -

Drill halls B 2 2 B B -

Dripping and fat refiners See Cooking fat F 2 2 D D -

Driving schools Officesonly B 2 3 B F -

Drug manufacturers Non–hazardous C 5 5 B F -

Druggists Wholesale C 5 4 B F -

Dry-battery manufacturers C 3 3 C E -

Dry cleaners (not laundries):

a) Shops

b) Depots

c) Anyabove,flammablesinprocess

C

D

E

4

4

4

4

4

4

B

B

B

D

E

F

-

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Dye manufacturers D 2 3 B D -

Dyers:

a) Leather

b) Textiles

E

D

2

2

2

2

C

C

E

E

-

-

E.

Earthenware manufacturers B 3 3 B C -

Edible-fat refiners See Cooking fat F 2 3 D D -

Egg warehouses E 5 2 B D -

Elastic-goods manufacturers D 2 2 C E -

Electrical:

a) Accumulator manufacturers

b) Bulb manufacturing

c) Cable manufacturing

d) Engineers (incl. mechanical)

e)Power/sub-stations

f) Transformers

g) Power supply industry

h) Railways

i) Wire coverers

j)Dealers/distribution

k) Motor repairs incl. rewinding

l)Household:

(i) goods manufacturing

(ii) repairs

(iii) warehousing and sales

Private

Excl. Transnet

D

C

D

B

C

C

D

C

E

B

B

D

D

B

2

5

2

2

2

2

3

3

2

4

2

3

3

3

2

2

2

2

2

2

3

2

2

4

3

3

3

3

B

B

B

B

F

F

F

B

D

B

B

C

C

C

D

E

D

F

F

F

F

F

C

C

C

D

D

C

-

-

-

F

-

-

-

F

C

C

C

D

D

C

Electrician

a) Suppliers

b) Repairs

c) Contractors

CAR Liability?B

C

D

3

3

3

3

3

3

D

D

D

D

D

F

D

D

F

Electro-platers & electro-plated goods

Manufacturers C 2 3 B C B

Electrode manufacturers (carbon & graphite)

C 2 2 B C B

Embroidery works D 2 4 C C B

Emery grinders & emery wheels

B 2 3 C D -

Emery-paper and cloth manufacturers

C 2 3 C D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Enamel manufacturers D 3 2 C D C

Enamellers (not leather) C 3 2 C D C

Engineering:

a) Design

b) Light industrial

c) Heavy industrial

Noinstallation–

CARrequired

B

B

C

1

2

2

2

2

2

B

B

C

C

C

D

C

C

D

Engravers:

a) Glass

b) Metal

c) Wood

D

C

E

3

3

3

2

2

2

B

B

D

B

B

B

B

B

B

Essence manufacturers E 2 2 B B -

Essential-oil manufacturers C 2 2 C D -

Event organisers:

a) With catering

b) Without catering

c) Outdoors/indoorsincl.stages

Officesonly

B

C

D

2

2

3

3

3

5

F

F

F

F

F

F

-

-

-

Exhibition halls:

a) Waxworks

b) Permanentexhibitions

c) Temporary

D

C

C

4

3

4

4

4

4

C

C

C

C

C

C

-

-

-

Explosives F 5 5 F F F

Export packers E/G 3 4 C C -

F.

Factory shops D 3 4 C D -

Fairgrounds F 2 3 C C -

Fancy-goods & toy warehouses

Typical Toys r Us D 4 4 C D -

Farming:

a) Mixed farming

b) Broiler farms

c) Growingcropsandtimber

d) Livestock farming

• Buildingmaintenance problematic

• Becarefulwith Business Interruptioncover

C

C

F

B

3

5

5

4

3

3

3

3

B

D

D

B

C

C

D

C

-

-

-

-

Fast food:

a) Gas/pizzaovens

b) Street vendors

c) Including other consumables

D

F

D

3

F

3

3

F

4

C

F

C

D

F

D

-

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Fat & dripping manufacturers See Cooking fat F 2 2 D D -

Fast-food outlets Typical McDonalds D 3 4 C D -

Feather merchants F 2 2 D D -

Feather workers, cleaners, dressers & dyers

F 2 2 D D -

Felt-goods & felting manufacturers

Nofeltroofing D/G 2 2 D D -

Felt-hat manufacturers D/G 2 2 D D -

Felt-roofing manufacturers D/G 2 2 D D -

Felt dealers’ warehouses D/G 2 2 D D -

Fertilizer:

a) Agents,nostorage

b) Agents,storage

c) Manufacturers(nitrates,ammonia,ammoniasynthesis)

B

D

F

1

3

5

1

2

3

C

D

C

E

E

E

-

-

-

Fish fryers See Restaurants D/G 2 2 C D -

Fibre-dressers D/G 2 3 C D -

Fibre-goods manufacturers F 2 2 D D -

Fibreglass-goods manufacturing & fabricators

F 2 3 E D D

Film manufacturing & processors

Photographic D 2 4 C C -

Film studios F 2 4 C C -

Firebrick works C 1 2 B C C

Firelighter manufacturers F 1 4 D C -

Firewood cutters & dealers F 1 4 D C C

Firework manufacturers F F 3 F F F

First aid:

a) Manufacturers

b) Suppliers

c) Services

C

C

C

3

3

3

2

2

3

C

C

C

F

F

F

-

-

-

Fish-food manufacturers & canners

C 2 3 C E -

Fishmongers B 5 3 C D -

Fish curers E 3 3 C D -

Fish farms & hatcheries B 3 3 C D -

Fishmeal manufacturers No oil works F 2 3 C D -

Fish-oil mills & refiners G 2 3 D D -

Fishing-equipment stores D 2 4 B C -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Fishing-net manufacturers:

a) Nylon&plastic

b) Excludingnylon&plastic

F

F

2

2

3

3

D

C

D

D

-

-

Fitment centres:

a) Tyres

b) Batteries

c) Exhaust

d) All of above

e) Manufacturers/retread

D

D

C

D

D

4

4

3

4

4

3

3

3

3

3

D

C

C

D

D

D

D

D

D

F

D

D

D

D

F

Flags & banners (excluding plastic)

F 1 3 C C -

Flannel factories F 4 3 D D -

Flannelette manufacturers F 4 3 D D -

Flax mills & factories F 4 2 C C -

Flint grinders B 3 2 D C -

Flock manufacturers F 3 2 D D -

Flock merchants’ warehouses F 3 2 D D -

Floor cloth & linoleum E 2 2 D C -

Floor-polish manufacturers F 3 2 D D -

Florists B 1 1 B B -

Flour mills F 3 2 E D -

Flying clubs:

a) Buildings/contents(nohangars)

b) Hangars (private)

Excludingaircraftor workshops C

D

3

1

3

3

B

D

D

-

-

-

Foamed-plastic & foam-rubber manufacturing

Including by-products

F 2 2 F F -

Footwear:

a) Factories

b) Warehouses

D

C

2

3

3

3

B

B

D

D

-

-

Foundation-garment manufacturers

D 2 2 C D -

Foundries F 2 2 C B C

Freight warehouses See Warehouses F 3 3 C D -

French polishers D/E 2 2 D D -

Frozen-food factories B 4 3 B D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Fruit & Veg:

a) Farms – no growing crops

b) Farms – growing crops

c) Warehouses,distributors,stores

d) Processors/packers

e) Driers and processors

f) Squashandsyrupmanufacturers

g) Canneries andbottlers

B

B

B

C

C

C

C

3

3

4

3

3

4

4

3

3

3

3

3

3

3

B

B

C

C

C

D

D

B

B

C

C

D

C

D

-

-

-

-

-

-

-

Fuel-oil distributors F 4 3 B D -

Funfairs and theme parks F 2 2 F - -

Funeral parlours:

a) Nocoffinmanufacturing

b) With coffinmanufacturingWoodworking

C

F

2

3

3

3

B

C

B

C

-

-

Fungicide manufacturers E 2 3 C C -

Fur dressers & dyers G 3 3 D D -

Fur farms D 3 3 B D -

Furniture:

a) Warehouse/depositories

b) Warehouse-electronics

c) Manufacturers

d) Dealers,new

e) Second-hand dealers

f) Removals incl. storage

E/G

E/G

F

E/G

F

C

2

2

2

2

2

5

2

5

2

3

4

4

C

D

D

C

C

C

C

D

D

C

D

D

-

-

-

-

-

-

Furniture-polish manufacturers

F 3 2 D D -

Furriers & rabbit skin dressers G 4 4 E D C

Furriers' workshops G 4 4 E D C

G.

Galvanizers:

a) As a separate trade

b) With metal working

B

C

1

1

1

1

B

B

C

C

C

C

Garden services (see tree felling – same principles apply)

Business All Risks! B 4 4 C D D


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Gas:

a) Fitting–domestic

b) Fitting–industrial

c) Works/plants

d) Fillingofcylinders/dealers/sales

CAR

Not working plants

C

C

F

E

2

2

5

5

3

3

3

3

C

C

C

C

F

F

F

F

F

F

F

F

Gasworks/bulk storage F 2 3 F F F

Gelatin manufacturers D/G 2 2 C C -

General Dealers:

a) Malls

b) Country

c) Flammables

C

D

D

3

3

3

3

4

4

B

C

C

D

D

D

-

-

-

Generators:

a) Sales

b) Repairs

c) Sales and repairs

B

B

B

2

2

2

3

3

3

B

C

C

B

D

D

B

D

D

Gifts and novelties C 3 4 B C -

Gimp & silk-cord manufacturers

D 1 1 B B -

Glass bevellers, cutters, grinders, engravers, gilders, stainers

C 4 2 B D -

Glass manufacturers C 4 2 C D -

Glass-paper manufacturers C 3 2 D D -

Glass merchants (wholesale) B 4 2 B D -

Glass greenhouses Fire/lightningonly F 4 2 E C -

Glaziers B 4 1 C C C

Glove manufacturers (no plastics)

D 1 2 C D -

Glucose manufacturers C 2 2 D C -

Glue:

a) Manufacturers

b) Sales/warehousing

F

D

3

3

2

3

E

E

D

D

D

D

Glycerine manufacturers D 2 2 D D -

Gold and silver smelters & workers

C 4 2 D D -

Golf-ball manufacturers F 1 2 D C -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Government authority buildings

F 2 2 C - -

Grain driers (not on farms) E 3 1 E D -

Granaries F 3 2 D D -

Granite works B 2 1 B D C

Gravel & sand suppliers (not in quarries or pits)

B 1 2 B C C

Grease manufacturers D/G 2 2 E D -

Greengrocers/wholesalers SeeFruit&Veg - - - - - -

Greenhouses – commercial only:

a) Domestic

b) Commercial

Fire&lightning

onlyF

F

2

2

2

2

D

D

C

C

-

-

Grit & poultry food manufacturing

D 3 2 C F -

Growing crops – all types F 2 1 F F -

Growing timber/crops – (all types)

F 2 1 F F -

Guest houses D 2 1 C D -

Gum manufacturers F 2 1 D D -

Gymnasiums D 3 2 D - -

H.

Hairdressers C 1 2 C E -

Hairpiece manufacturers F 1 1 C B -

Ham & bacon curers C 4 2 D D -

Handkerchief manufacturers C 1 3 D C -

Haberdashery D 3 4 C D -

Hardware:

a) Sales

b) Warehouse

c) With wood and flammables

B

B

D

2

2

2

4

4

4

B

C

D

C

C

C

-

-

-

Harness manufacturers & saddlers

D 2 2 B D D

Hat manufacturers Excl. straw hats F 1 1 C D -

Hatcheries fish farms No livestock B 2 2 B C

Haulers C 5 3 C D D

Hay and straw dealers F 2 2 D D -

Health and wellness spa/club B 2 3 C F -

Heavy machinery B 1 1 B D D


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Hemp mills/warehouse F 2 3 D D -

Hessian dealers F 2 3 D D -

Historic buildings F/G 3 3 D - -

Holiday camps, chalets, flats G 2 4 D D -

Knitting supplies C 3 2 B C -

Koi-fish dealers No livestock B 5 3 B F -

L.

Laboratories – non-manufacturing

D 4 2 B F -

Lace factories & warehouses E/G 2 2 B E -

Lacquer manufacturers/warehouse

F 2 2 B D -

Laminated:

a) Glass manufacturers

b) Flooring

D

D

5

3

3

3

B

B

C

C

-

-

Lamp manufacturers Electric C 2 2 B D -

Lampshade manufacturers Noplastics D 2 2 C C -

Lamp-wick manufacturers D 1 1 D D -

Landing stages, jetties, piers D/G 4 2 F F -

Lanolin manufacturers F 1 1 B E -

Lard refiners & manufacturers 4 2 2 B E -

Laser:

a) Equipmentmanufacturers

b) Services

C

B

3

3

3

3

B

B

F

F

-

-

Lawnmowers:

a) Sales

b) Sales and repairs

B

B

2

3

3

3

B

B

C

D

D

D

Laundries and launderettes:

a) No dry-cleaning – self-help

b) Dry-cleaning

B

C

3

3

4

4

B

C

-

C

-

-

Leather and hides:

a) Tanneries

b) Dressmaking

c) Leather goods manufacturingincl.shoes,jackets,garments

d) Warehousing and sales

e) Distribution

E

D

D

C

C

5

5

5

5

5

2

2

4

4

3

C

B

C

B

B

B

B

C

B

B

-

-

-

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

M.

Machine tool manufacturers C 3 3 B D -

Machinery warehouses:

a) Heavy

b) Others

B

C

3

3

3

3

B

B

D

D

-

-

Mail-order stores C 4 3 B D -

Malting:

a) On brewery premises

b) Others

D

F

3

3

3

3

B

B

D

D

-

-

Malt-extract manufacturers D 2 2 B C -

Man-made fibre manufacturers

No Viscose rayon E/G 2 2 B D -

Manufacturing chemists E/G 5 5 B F -

Manure merchants’ warehouses

C 1 1 C D -

Margarine manufacturers F 1 1 C D -

Marine stores, dealers, warehouses

D 3 3 B D -

Marmalade manufacturers C 1 1 B C -

Market gardeners C 5 5 B B -

Market halls or public markets D 2 5 C D -

Marquee tentsMalicious damage

&stormF 3 2 C - -

Masonry stores B 1 1 B D -

Masonic halls & temples C 1 2 B B -

Match manufacturers F 2 2 E F -

Mattress manufacturing SeeFoamedplastic F 2 2 F F -

Meal mills F 2 2 C C -

Massage parlours B 2 3 B F -

Meat:

a) Extract manufacturers

b) Warehousing

c) Distributing

C

B

B

1

3

5

1

3

3

B

B

B

C

D

D

-

-

-

Medical See Clinics

Mental homes D 2 2 B F -

Metal-polish manufacturers D 1 1 B C -

Metal & metal-goods warehouses:

a) Steel&ironstockists

b) Others

B

C

2

2

2

2

B

B

D

E

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Metal workers & metal-goods manufacturers:

a) Electronics

b) Others

B

B

3

2

3

2

B

B

C

C

C

C

Mica C 1 1 B C -

Mills, modern or other Dust-explosion F 3 3 F F -

Mineral-oil blenders E/G 1 1 B E -

Mines:

a) Shaftactivity

b) Manufacturingequipmentfor mines

c) Suppliers to mines

F

F F

5

4

4

2

2

2

F

F

F

F

F

F

F

F

F

Mineral water:

a) Manufacturers

b) Warehouses

Not on brewery premises

B

C

1

1

1

1

B

B

D

D

-

-

Mining property & plant

a) Surface

b) Underground

c) Dormant

F

F

F

5

5

5

5

5

5

F

F

F

F

F

F

F

F

F

Mirror manufacturers D 2 2 B D -

Mohair mills E 2 2 B D -

Monasteries A 1 1 B B -

Motels D 3 5 C E -

Motor dealers:

a) Sales only

b) Sales and repairs

c) Auctioneers

B

C

C

3

3

3

3

3

4

B

B

C

B

C

C

-

C

-

Motor garages:

a) Fillingstations

b) Fillingstationswithrepairs

c) Fillingstationswithrepairsand shop

d) With ATM on premises

e) Motor panel beaters

C

D

D

D

D

3

3

3

3

3

3

3

3

5

5

C

C

C

C

C

C

D

D

D

D

C

D

D

D

D

Motor-vehicle manufacturers:

a) Metal/steel

b) Fibreglass

c) Kit cars

D/G

F

F

2

2

3

3

3

3

C

D

D

F

F

F

F

F

F

Motor vehicles in the open Accumulation! D 2 4 C C -

Motor vehicle rental Officesonly B 2 4 B C -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Mungo:

a) manufacturers

b) merchants and warehouses

Wool D/G

D/G

1

1

1

1

C

C

C

C

-

-

Museums (public) E 4 4 C D -

Musical instruments:

a) Manufacturing – metal only

b) Manufacturing – wood

c) Warehousing and sales

B

D

B

2

3

4

4

4

4

C

D

C

C

C

C

-

-

-

Mustard manufacturers D 1 1 C D -

N.

Neon-light manufacturers D 3 3 B D -

Newsagents (wholesale only) C 4 4 D C -

Nickel-plating works B 2 2 B B -

Night clubs F 2 4 E F -

Nitrates manufacturers F 2 2 B B -

Nunneries (convents) B 2 1 B B -

Nursery:

a) No greenhouses

b) Including compostNo growing plants/crops

B

C

2

3

2

3

B

C

B

C

-

-

Nursing homes A 2 2 B C -

O.

Oil-based food (oil used in preparation, manufacture or process)

Chips and the like F 3 3 B C -

P.

Paint:

a) Oil and chemical base

b) Water-based only

c) Warehousing and sales

d) Distribution

E/G

C

D/G

C

3

3

3

4

2

2

2

2

C

B

C

C

C

C

C

C

-

-

-

-

Paper, toilet paper, wallpaper, cardboard box, envelope – all paper

F 3 2 B F -

Pest control:

a) offices,sales

b) manufacturing

c) sprayingorcontracting

Officepremisesonly

C

F

F

3

3

3

3

3

3

B

F

F

F

F

F

-

-

-

Pharmacies:

a) Local

b) Chain

No dispensing B

B

3

4

3

3

B

B

F

F

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Pharmaceutical manufacturers

F 3 4 B F -

Pharmaceutical warehouses E 3 4 B D -

Photography:

a) Studios

b) Filmmanufacturers,processors

c) Suppliers,stores

d) Equipmentmanufacturing

C

D

C

C

4

4

4

4

4

4

4

4

B

C

B

C

D

D

D

D

-

-

-

-

Physiotherapist B 2 2 C F -

Pickle manufacturers D 1 1 B D -

Picture Framers:

a) No woodwork

b) With woodwork

C

D

3

3

3

3

B

C

B

C

B

C

Piers (including buildings thereon)

F 1 2 E D -

Plantations F 3 1 F F F

Plaster of Paris manufacturers B 1 1 C D -

Plasterboard manufacturers C 1 1 C D -

Plaster moulders & workers B 1 1 C D C

Plasterers' workshops C 1 1 B C C

Plaster goods (excluding cellular):

a) Manufacturers

b) Warehouses

D/G

D/G

2

2

2

2

D

C

D

D

C

C

Plastic, all types, manufacturing

Not otherwise noted

F 4 3 E E E

Plate-glass manufacturers C 4 4 C D -

Plate-powder manufacturers C 1 1 B D -

Platinum refiners D 2 5 D D -

Play and theme parks F 2 2 F - -

Play-schools Children B 2 4 F C -

Plumbing:

a) Manufacturing

b) Workshops/mobile

c) Sales

C

D

C

3

4

3

3

4

3

C

B

B

D

C

C

-

D

-

Plywood manufacturers E/G 3 3 D D -

Polishing-grit manufacturers B 1 1 D D -

Polishing-paste manufacturers E 1 1 D D -

Polish manufacturers F 1 1 D D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Polystyrene products F 3 2 F F F

Polyurethane products See PVC - - - - - -

Porcelain manufacturers B 1 1 B C -

Portable cabins, site huts, etc. D/G 3 2 C C -

Post office C 2 3 B C -

Potato crisp manufacturers E 2 2 D D -

Potato warehouse (wholesale) B 2 2 B C -

Potted/canned-meat plants B 3 3 B D -

Potteries C 1 1 C C -

Poultry farms F 5 5 B D -

Poultry food & grit manufacturers

D 2 2 E E -

Poultry pluckers & dressers D 2 3 B D -

Powder coating D 2 2 B B B

Power stations B 2 1 F E C

Prefab buildings:

a) Manufacturing/repairs/erection

b) Hiring of

c) Dealers-no repairs

All materialsD

C

C

2

4

3

2

2

2

D

B

C

D

D

D

D

-

-

Precious stone cutters C 5 5 B C -

Preserved-food manufacturers

D/G 3 3 C D -

Printers (newspaper or else):

a) Paper&cardboard

b) Silk

c) Othertextiles

d) Plastics

e) Lithographic

f) Digital

G

D

D

G

D

E

2

2

2

2

2

2

2

2

2

2

2

2

D

E

D

E

D

D

D

D

D

D

D

D

-

-

-

-

-

-

Printers’ & decorators' workshops

E 2 2 D C C

Prisons F 5 5 F F F

Property ownersDescribe

occupants!E 1 2 C C -

Protective clothing See Clothing - - - - - -

Provender mills G 1 1 C C -

Provision merchants (wholesale)

D 2 2 C D -

Public baths A 5 5 B D -

Public houses C 5 5 C D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Public libraries B 5 5 B C -

Public property:

a) Schools&colleges

b) All other property

Non-hazardous D

B

4

4

4

4

C

D

D

D

-

-

Publishers:

a) Offices

b) Sales shops

c) Printers

d) Warehouses

e) Editors

Pleasenote:nocover should

be provided in termsofarticles

published!

A

A

F

E

E

3

3

3

3

3

3

3

3

3

3

B

C

D

D

F

C

D

D

D

-

-

-

-

-

-

Pumice stone works B 1 1 B C -

Pumping stations (water) No processing C 1 2 C F -

PVC products See polyurethane F 3 2 F F F

Q.

Quarry buildings & equipment Not mining D 1 2 D C C

R.

Racecourse stands & buildings D 2 4 D D -

Radio, television, record player and radio telecommunication equipment, radar equipment, etc.: manufacturers, assemblers & dealers (wholesale):

a) Manufacturing

b) Warehouses/Dealers

D

D/G

4

4

3

4

D

C

D

C

-

-

Radio stations & recording studios

Excluding SABC D/G 4 3 D C -

Rag grinders & carbonisers F 1 1 B C -

Rag merchant warehouses F 2 2 B D -

Railway property of all description (non-hazardous) excluding Spoornet

C 4 3 D D -

Raincoat manufacturers Otherthanplastic D 3 3 E D -

Rayon manufacturers F 3 3 D D -

Ready-mixed products C 3 2 C E -

Record, audio & video tape Manufacturers D/G 4 3 D C -

Recycling:

a) Collectors only

b) Plants

F

F

F

3

2

2

F

F

F

F

F

F


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Refuge centres-modern construction

D 2 4 D D -

Refuse destructors:

a) Chemical waste risks

b) Wastepaper

F

F

2

2

1

1

F

F

F

F

-

-

Research laboratories Non-hazardous D 2 2 B D -

Resin manufacturers:

a) Natural

b) Synthetic

D/G

D/G

1

1

1

1

D

E

E

E

-

-

Restaurants D 3 3 D D -

Retail stores:

a) Country – no dispensing

b) Malls – no dispensing

c) Dispensing Refer HSBU

C

B

B

3

3

3

3

3

3

B

B

B

C

B

E

-

-

-

Ribbon manufacturers:

a) Typewriter

b) Other

F

D/G

1

1

1

1

C

C

D

D

-

-

Rice mills D/G 2 2 D D -

Riding Schools E 2 4 F D D

Rifle Ranges:

a) Indoors

b) Outdoors

Alsoshootingranges

B

B

2

2

2

2

F

F

F

F

-

-

Roadhouse D 3 4 D D -

Rolling mills B 1 1 C D -

Roofing felt manufacturers G 2 2 D D -

Roof insulation/sealing:

a) Manufacturers

b) Contractors

c) DealersCAR Liability

D

B

B

2

3

2

2

2

2

D

F

C

F

F

C

F

F

-

Rope & twine:

a) Manufacturers

b) Warehouses

D/G

D/G

2

2

2

2

D

D

D

D

-

-

Rubber and synthetic-goods manufacturers:

a) Foamed

b) Others

F

D/G

2

2

2

2

E

D

D

D

-

-

Rubber-reclamation works:

a) Foamed

b) Others

F

F

2

2

2

2

E

E

D

D

-

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Rubber-goods warehouses:

a) Foamed

b) Others

F

G

2

2

2

2

E

E

E

E

-

-

S.

Saccharine manufacturers D 1 1 C D -

Sackcloth manufacturers/ warehouse

F 3 3 D D -

Saddlers & harness manufacturers

D/G 4 4 B C -

Sailcloth manufacturers D/G 3 3 D C -

Salt:

a) Manufacturers – in the open

b) Merchants’ warehouses

WholesaleC

C

1

1

1

1

B

B

C

C

-

-

Sand & gravel:

a) Quarries&pits

b) Merchants

B

B

1

1

1

1

B

B

C

C

C

-

Sandpaper manufacturers C 1 1 C C -

Sauce manufacturers C 1 1 C D -

Sauna baths D 1 1 B D -

Sausage-casing manufacturers Excludingplastic B 1 1 B D -

Sausage manufacturers B 3 3 B D -

Sawmills F 5 5 E D -

Scenery (theatrical) stores D 4 4 C C -

Security companies, including installations and repairs

Officepremisesonly

A 3 3 B F F

Schools:

a) Public schools

b) Crèche/nursery/daycare

c) Private schools

NoGPA/PAforlearners For

college/university– see Colleges

C

C

C

3

3

2

3

2

2

F

F

F

F

F

F

-

-

-

Scientific-instrument manufacturers:

a) Metal/electronic

b) Plastic

c) Others

d) Warehouses

B

E

C

D

3

3

3

3

3

3

3

3

B

C

B

B

B

B

B

B

-

-

-

-

Scrap-metal merchants E 2 2 B C -

Scrap or salvage merchants E 2 2 C C -

Screen-process printers D 3 3 D C -

Sculptors’ studios C 4 1 B C -

Sealing-wax manufacturers D/G 1 1 E D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Sectional titles:

a) Property

b)Administration

B

B

1

3

2

3

B

B

-

-

-

-

Security:

a) Guarding services

b) Equipmentmanufacturing

c) Sales

d) Sales,installation&repairs

Officepremisesonly

B

C

C

D

2

2

2

4

2

2

4

4

B

D

C

D

F

F

F

F

F

F

F

F

Seed crushers & seed-oil refiners

D/G 3 3 E C -

Seed-merchants’ warehouses Wholesale D/G 3 3 B D -

Sewage works B 1 1 B D C

Sewing-cotton manufacturers D 1 1 C C -

Sex shops Incl. Adult Worlds F 5 5 F F F

Shade nets Fire,lightningonly D - - D - -

Sheet-glass manufacturers C 3 3 C D -

Sheet makers C 1 1 D D -

Ship repair yards/builders:

a) Metal

b) Wood

c) Fiberglass

See BoatsB

F

F

3

4

4

2

3

3

B

D

D

F

F

F

F

F

F

Shirt manufacturers D 3 3 D D -

Shoe & boot manufacturing & warehouses

D/G 3 3 C D -

Shoe & bootlace manufacturers/warehouses

D/G 3 3 C D -

Shop fitters F 3 3 E D C

Shops (retail) non-hazardous, no fish-frying or baking

C 3 4 C D -

Sign-writers C 2 2 B C C

Silkscreen printers D 3 3 C C C

Silk: manufacturing, dying & printing

D 3 3 D C C

Silo operators (including in bags)

E 3 2 D D -

Skating rinks D - 2 E C -

Skin-rug manufacturers F 4 2 C E -

Skin & hide warehouses E 4 3 B D -

Slate quarries & works D 1 1 B E -

Slaughterhouses No fat-rendering D 2 2 D D -

Snack bars Nofish-frying B 4 3 B D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Snooker-ball manufacturers (excluding plastics)

D 2 2 B B -

Snuff manufacturers B 1 1 C D -

Soap manufacturers/ warehouses

D 2 2 C E -

Soda manufacturers D 2 2 B D -

Soft-drinks (not on brewery premises):

a) Manufacturers

b) Warehouses

B

C

3

5

3

5

B

B

D

D

-

-

Soft-goods merchants’ warehouses

E 5 5 D D -

Solvent-extraction processes e.g. soya bean F 1 1 D D -

Solvent (flammable) works & solvent or chemical effluent recovery works

F 1 1 E E -

Sound-recording studios Excluding SABC E 5 C C -

Spice grinders G 1 1 C D -

Sports club pavilions & stadiums

E 1 4 C E -

Sports equipment:

a) Manufacturing

b) Sales/repairs

C

C

3

3

3

3

C

C

E

E

E

E

Stables D 2 5 C D -

Stained-glass manufacturers D 4 1 C D -

Starch manufacturers F 1 1 D D -

Stationers:

a) Manufacturing

b) Dealers/distribution

D/G

D

4

4

4

4

D

C

C

c

-

-

Stationers’ & booksellers’ warehouses

D 4 4 D C -

Steel & iron stockists warehouses

B 2 2 B B -

Stocking manufacturers F 2 2 C D -

Stonemasons, quarries & works

B 1 1 B B -

Stoneware manufacturers C 1 1 B B -

Strawboard manufacturers D/G 1 1 C D -

String manufacturers Excludingplastic E 1 1 C C -

Structural engineering works C 2 2 B C -

Stucco manufacturers C 1 1 D D -

Stud farms Agri wording E 2 3 B D -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Sugar manufacturers & refiners

E 3 5 D D -

Sugar merchants’ warehouses Wholesale E 5 5 C D -

Sulfuric acid manufacturers F 1 1 C D -

Supermarkets:

a) With sprinkler system

b) Without sprinkler system

D

E

5

5

5

5

C

D

D

D

-

-

Surgeries – doctors, dentists, medical

B 1 3 B D -

Surgical appliance – manufacturers & suppliers:

a) Noplastics

b) Withplastics

C

D

3

3

3

3

B

C

C

C

-

-

Sweets:

a) Manufacturing

b) Packing

c) Dealers

D

D

B

4

4

4

2

2

3

D

D

C

D

D

D

-

-

-

Swimming pools (public) A 3 1 D C B

Synthetic ammonia manufacturers

F 1 1 C C -

Synthetic fibre (excl. viscose rayon) manufacturers

F 3 3 C C B

Syrup – fruit & sugar manufacturers

D 2 2 D C -

T.

Tailors’ workrooms D 3 3 C C -

Tallow & tallow candle Manufacturers F 1 1 B C -

Tanks farms (mineral & rock oils)

G 2 1 B B -

Tanneries – manufacturers and warehouse

D 2 2 C C -

Tar distilleries F 1 1 C F C

Tarmacadam manufacturers D 3 3 C C C

Tarpaulin manufacturers D 3 3 C D B

Taverns SeeActionBars F 5 5 F F -

Tea merchants’ warehouses C 1 1 B D -

Teeth & dental material Manufacturers B 1 1 B C B

Telecommunication equipment

Manufacturers C 4 4 C D B

Telephone & telegraph wire coverers

D 4 4 C D B

Television film & broadcasting studios & transmitters

C 4 4 C D C


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Tent manufacturers C 3 3 C D B

Textile printers C 3 3 C C B

Theatres B - 4 D B -

Theological colleges B 3 3 C B -

Thermometer manufacturers B 1 1 C D B

Timber & wood goods in the open

F 5 5 C D D

Timber (growing) F 2 5 D F F

Tinplate works C 1 1 B C A

Tobacco bonds F 5 5 C D -

Tobacco manufacturers F 5 5 D D -

Tobacco warehouses F 5 3 C D -

Toy and fancy goods manufacturers and warehousing:

a) Otherthanplastics

b) Withplasticsmouldings

D

E

4

4

5

5

C

D

C

C

-

-

Tracing-cloth and paper makers

B 1 1 C C A

Transit warehouses B 5 5 B C A

Transparent paper manufacturers

C 1 1 C C A

Transport:

a) Contractors

b)Office,logistics

Marine specialists C

B

5

2

3

3

C

C

-

-

-

-

Tree-felling, bush clearing, fire-breaks – contractors or garden services:

Officepremisesonly

No liability providing cover in terms of damage

as a result of activities B 2 4 B C F

Turkish baths B 3 4 B D A

Turpentine manufacturers F 1 1 F D -

Twine, rope warehouses Manufacturing

incl.E 2 2 C D -

Typesetters C 1 1 B B B

Typewriter-ribbon manufacturers

C 1 1 C B -

Tyres:

a) Retreading

b) Sales and or warehousing

D

D

4

4

3

4

D

E

F

E

F

-


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

U.

Umbrella manufacturers D 2 2 C D A

Undertakers (no woodworking)

B 1 1 B C -

Unoccupied, vacant or silent risks

F - - F - -

Upholsterers (excl. foamed rubber, plastic)

E 2 2 D D B

V.

Valet serviceSeeCarwash&

valet

Varnish manufacturers E 2 1 D C -

Vending machines All aspects C 3 5 C C -

Vehicle hire/rental D 3 3 B B -

Vehicle-testing services C 1 4 D D D

Veterinary services and surgeries

B 3 3 B F -

Video-tape manufacturers C 4 4 C D B

Video shops/rental C 2 4 B D -

Village halls C - 5 B C -

Vinegar breweries, bottlers B 1 1 B C -

Viscose-rayon manufacturers C 3 3 C C -

Vulcanite manufacturers D 1 1 B C -

W.

Wagon works:

a) Metal

b) Timber

B

E

3

4

2

2

B

B

C

C

B

B

Warehouses:

a) Hazardous goods

b) Non-hazardous goods

c) Mixed

D/G

D/G

D/G

3

3

3

2

2

2

F

D

E

E

E

E

-

-

-

Washing-powder manufacturers

Excl. detergents D 2 2 C D -

Waste-cotton or rag merchant F 3 3 D C -

Waste, rubber, plastic, paper merchants/collectors – office premises only

B 1 2 B B -

Waste, rubber, plastic, paper merchants/collectors or warehouse

F 3 3 D D -

Waterworks, purification Plants A 3 1 F F -


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Waterproof cloth manufacturers:

a) Rubber

b) Others

c) Warehouse only

F

F

F

3

3

3

3

3

3

C

C

C

D

D

D

-

-

-

Water purification – purification and sales on site

No commercial plants

A 3 1 C C -

Wax-polish manufacturers F 2 2 C C -

Waxed-paper manufacturers F/G 2 2 D C -

Webbing manufacturers Excluding rubber D 3 3 C D E

Whiting manufacturers C 1 1 C C C

Wigmakers E 4 1 B D C

Winemakers, wine cellars D 2 3 B D -

Wine & spirit bottlers & warehouses

E 4 4 B C C

Wire drawers & weavers C 1 1 B C C

Wire rope manufacturers C 1 1 C C B

Woodworkers:

a) For the trade or on saw mills

b) Builders or contractors

c) Others

Premises only F

F

F

4

4

4

4

4

4

C

D

C

D

D

D

C

C

C

Wood-flour mills or manufacturers

F 2 3 D E E

Wool combers F 2 2 D E E

Woolen mills D/G 1 1 D E E

Woolen warehouses D/G 4 4 D E E

Worsted:

a) Mills

b) Warehouses

F

F

3

3

3

3

D

D

E

E

E

E

Wrought-iron pipe manufacturers

C 2 2 B B B

X.

X-Ray equipment:

a) Manufacturing

b) Sales

c) Repairs

d) Warehouses

F

F

F

F

4

4

4

4

2

2

2

2

D

D

D

D

E

E

E

E

E

E

E

E


Risk Classification


&

Money

Liability

Genl.

&

Ten

Prods Defect

Work

Y.

Yeast manufacturers B 1 1 B C C

Youth movements/Scouts/hostels

C 1 4 D D D

Youth Clubs C 1 4 D C -

Z.

Zoo F F F F - -

Zoological Gardens D 4 4 D - -

The Hollard Insurance Co. Ltd (Reg No 1952/003004/06) is an authorised Financial Services Provider

www.hollard.co.zaTel: (011) 351 5000

The Hollard Insurance Co. Ltd (Reg No 1952/003004/06) is an authorised Financial Services Provider

www.hollard.co.zaTel: (011) 351 5000

Commercial and Agricultural Underwriting Mandates and ... · 2015 | 2016 Commercial and...

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Transcript of Commercial and Agricultural Underwriting Mandates and ... · 2015 | 2016 Commercial and...