Progressive Businessowners Policy BOP & Contractors GL
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Eligible Contractor Classes: Examples
This program is designed for applicants who have: • Payroll (excluding owner’s payroll) below $300,000 • Property value (building and contents) below $1,000,000 Applicants with more than one location are not eligible.
- Air Conditioning Systems or Equipment Dealer or distributors and installation, servicing or repair (includes sales and installation of ducts and piping and includes display rooms and shops)
- Appliances and Accessories Installation, service or repair (not including TV or radio)
- Carpentry • Exterior (no home building) • Interior
- Carpet, Rug, Furniture or Upholstery Cleaning On customer’s premises
- Ceiling or Wall Installation Metal only (other than metal should be classified as drywall or wallboard installation or carpentry)
- Concrete Construction
- Door, Window or Assembled Millwork Installation—metal only (other than metal should be classified as carpentry) • Residential garage door work is also acceptable
- Driveway, Parking Area, or Sidewalk Repair Paving or repaving (not including clearing of right-of-way, earth or rock excavation and filling or grading of land)
- Drywall or Wallboard Installation
- Electrical Work Within buildings
- Fence Erection Contractors Only applies to risks that install or erect fences
- Floor Covering Installation (Not ceramic tile or stone)
- Furniture or Fixtures Installation in offices or stores—portable—metal or wood
- Glass Dealers and Glaziers Sales and installation (includes bending, grinding, beveling or silvering of plate glass)
- Handyperson
- Heating or Combined Heating and Air Conditioning Systems or Equipment Dealers or distributors and installation, servicing or repair—no liquefied petroleum gas (LPG) equipment sales or work
- House Furnishings Installation Not otherwise classified (includes incidental upholstering and floor covering installation)
- Interior Decorators
- Landscape Gardening No tree removal or excavation
- Lawn Sprinkler Installation
- Masonry
- Metal Erection • Decorative or artistic • No structural work
- Painting—Exterior Buildings or structures—three stories or less in height (not otherwise classified)
- Painting Interior buildings or structures
- Paper Hanging
- Plastering or Stucco Work • Insulation work is also acceptable • No swimming pool work
- Plumbing • Commercial (not industrial) • Residential or domestic
- Refrigeration Systems or Equipment Dealers and distributors and installation, servicing or repair—commercial
- Residential Cleaning Services
- Septic Tank Systems Cleaning
- Siding Installation Three stories or less in height (wood siding installation should be classified as carpentry) • Gutter Installation is also acceptable
- Sign Painting or Lettering Inside of building—no spray painting
- Tile, Stone, Marble Mosaic, or Terrazzo Work Interior construction (includes incidental exterior work)
- Window Cleaning Three stories or less in height