To Pandemic-proof Businesses

1 GUIDETo Pandemic-proofBusinessesUsing this guideEssential Businesses offer opportunity during a pandemicMany Businesses are considered essential or are able to operate with limited or no impact during a global pandemic. Although industries such as restaurants, hospitality, and entertainment, among others, have been siginificantly affected, there are still abundant opportunities to write commercial have compiled several lists of Pandemic-proof class codes, by department, to give you an advantage when marketing to, and searching for, new business leads over the next few months. As usual, you may submit your business through our website at .Our staff is also ready to take your calls, emails and contact numbers:Main business desk Development : Contractor General Liability Page 3 Workers Comp Page 5 BOP/Package Page 8 Professional Lines Page 9 Bonds Page 11 Excess Page 12 Commercial Auto Page 13 Inland Marine Page 14 Our first priority at BTIS is the safety of our sta and our customers.

2 During these events surrounding the COVID -19 omicron situation, we encourage you to do all that is necessary to remain safe and healthy. In this challenging time we are commi ed to helping you maintain your business and service your by stateGeneral Liability markets availableProprietary GL programs availableVer. 2022 Builders & Tradesmen s Insurance Services, Inc. | Lic. #0D102716610 Sierra College Blvd., Rocklin, CA 95677 Carrier List AmTr u s t A une Clear Spring CNA CBIC Hiscox USLIGet a QuoteNJDERICTNYPAMDVANCSCTNKYOHINILWIMNI AMOARLATXOKKSNESDNDMTWYCONMAKHIAZUTNVCAI DORWAMIMSGAALFLWVMANHVTMEC ontractor General Liability AvailabilityEssential Pandemic Resistant | 2022 Builders & Tradesmen s Insurance Services, Inc. | Lic. #0D102716610 Sierra College Blvd., Rocklin, CA 95677 Plumbers Electricians Painters HVAC Landscapers Janitorial Handyman Carpentry Interior Carpentry Residential Carpentry Commercial Appliance Installation Communications Cabling Refrigeration Conduit Construction Driveway.

3 Parking Area or Sidewalk Door/Millwork Installation Septic Tank Cleaning/Installation Drilling - Water Sewer Main Construction Water Main Construction Ceiling or Wall Installation Graders Excavators Drywall Fence Erection Concrete Construction Siding Tile Installation Floor Covering MasonryBest Choice Contractor General Liability overviewVictory Contractor General Liability overviewFaulty Workmanship EndorsementFaulty Workmanship Endorsement examplesCBIC ContracPac overviewHiscox appetite guideCLASS NAME/DESCRIPTION ADDITIONAL RESOURCESC lass List for Contractor General LiabilityEssential Pandemic Resistant Classes Highlighted business = Most successful classesVer. 2022 Builders & Tradesmen s Insurance Services, Inc. | Lic. #0D102716610 Sierra College Blvd.

4 , Rocklin, CA 95677 NJDERICTNYPAMDVANCSCTNKYOHINILWIMNIAMOAR LATXOKKSNESDNDMTWYCONMAKHIAZUTNVCAIDORWA MIMSGAALFLWVMANHVTMEA vailability by stateWorkers Comp markets availableProprietary WC programs availableCarrier ListGet a Quote AIG AmTr u s t Clear Spring CNA Cornerstone Empoyers Great American ICW Group Liberty Mutual Pie Insurance Tr av e l e r s The ZenithWorkers Comp AvailabilityEssential Pandemic Resistant | 0 2022 Builders & Tradesmen s Insurance Services, Inc. | Lic. #0D102716610 Sierra College Blvd., Rocklin, CA 956770042 Landscape Gardening2142(1) Wineries2589 (1) Dry Cleaning or Laundry - retail3572 Medical Instrument Machine Shops3724(1) Millwright Work4130 Glass Merchants4150(1) Optical Goods (1) Printing - screen printing - all other employees4297(2) Graphic Design - all operations4299(1) Printing - all other employees4304 Newspaper Publishing or Newspaper Printing - all other employees4361(1) Photographers4410 Rubber Goods Pen or Mechanical Pencil Wire Rope or Cable Mfg.

5 - no wire drawing4478 Plastic Goods Sign Mfg. - metal, plastic or wood4494-4499 Plastics - products Analytical or Testing Laboratories4692 Dental Laboratories4720 Soap or Synthetic Detergent Vitamin or Food Supplement Gasket Ceiling installation5027 Masonry less than $ Masonry equals or exceeds $ (1) Iron, Steel, Brass, Bronze or Aluminum Erection - non - structural5107 Door, Door Frame or Pre - Glazed Window Installation5108 Door installation - overhead doors5128 Instrument - professional or scientific - installation or repair5140 Electrical Wiring equals or exceeds $ (1) Cabinet, Fixture or Trim Installation5183(1) Plumbing less than $ (2) Refrigeration Equipment less than $ (3) Heating and Air Conditioning Equipment less than $ Automatic Sprinkler installation less than $ Automatic Sprinkler installation - within buildings equals or exceeds $ (1) Plumbing equals or exceeds $ (2) Refrigeration Equipment equals or exceeds $ (3)

6 Heating and Air Conditioning Equipment - equals or exceeds $ Electrical Wiring less than $ Concrete or Cement Work - less than $28 per hour5205 Concrete or Cement Work - equals or exceeds $28 per hour5348 Tile, Stone, Mosaic or Terrazzo Work5403 Carpentry NOC - less than $35 per hour5432 Carpentry NOC - equals or exceeds $35 per hour5436 Hardwood Floor Laying - including finishing5446 Wallboard Installation - less than $36 per hour5447 Wallboard Installation - equal or exceeds $36 per hour5467 Glaziers less than $ Glaziers equals or exceeds $ (1) Sheet Metal Work less than $ (2) Heating and Air Conditioning Duct Work less than $ 2 7. 0 05542(1) Sheet Metal Work - equals or exceeds $ (2) Heating and Air Conditioning Duct Work - equals or exceeds $ Termite Control Work6218(1) Excavation - less than $ (1) Excavation equals or exceeds $ Security Alarm, Fire Alarm or Life Safety Systems Installation, Service or Repair8004 Stores - garden supplies8006(1) Stores - groceries and provisions - retail8006(2) Stores - fruit or vegetable - retail8006A(1) Stores - groceries and provisions - retail8006A(2) Stores - fruit or vegetable - retail8006B Groceries and provisions - retail - Floor Managers8013(2) Stores - eyewear8017(1)

7 Stores - retail8018 Stores - wholesale8021 Stores - meat, fish or poultry - wholesale8028 Equipment or Machinery Rental Yards8031 Stores - meat, fish or poultry - retail8041 Stores - wine or spirits - wholesale8042 Stores - floor covering8046 Stores - automobile accessories8060 Stores - wine, beer or spirits - retail8061 Stores - groceries and provisions - convenience - retail8063 Stores - lighting fixtures8064 Stores - o ce supplies and stationery8065 Stores - paint or paint supplies8078(1) Sandwich Shops - not restaurantsCLASS CODE CLASS NAME/DESCRIPTION CLASS CODE CLASS NAME/DESCRIPTION Class List for Workers CompEssential Pandemic Resistant Classes8078(2) Beverage Preparation Shops - not bars or taverns8078(3) Ice Cream or Frozen Yogurt Shops8107 Machinery Dealers8116 Farm Machinery Dealers8117 Stores - feed, tack and farm supplies8209 Vegetables - fresh vegetable and tomato packing and handling8232(1) Lumberyards8290 Warehouses - self - storage - all other employees8291(1) Warehouses - cold storage8292 Warehouses - general merchandise8324 Automobile Gasoline Stations8370 Automobile or Truck Radio, Alarm or Electronic Equipment Installation, Service or Repair8387 (1)

8 Automobile or Automobile Truck Service Stations8388 Rubber Tire Dealers8389 Automobile or Automobile Truck Repair Shops or Garages8391a Automobile or Automobile Truck Dealers - All employees other than Salespersons, Service Writers, Estimators and Accessory or Spare parts Sales8391b Automobile Truck Dealers - Service Writers, Estimators and Accessory or Spare parts Sales8392 Automobile or Automobile Truck Storage Garages or Parking Stations or Lots8393 Automobile or Automobile Truck Body and Fender Repairing and Painting8397 Automobile or Automobile Truck Transmission Repairing and Rebuilding8601(1) Engineers - consulting8720(1) Inspection for Insurance or Valuation8740(1) Apartment or Condominium Complex Operation - property management supervisors8740(2) Commercial properties - NOC - property management supervisors 8740(3) Building Operation - property management supervisors8740(5) Warehouses - self storage - property management supervisors8740(6) Apartment or Condominium Complex Operation for Seniors - property management supervisors8740(7)

9 Commercial and Residential Mixed-Use Building Operation - not Homeowners Associations - property management supervisors8741 Real Estate Agencies8742 Salespersons - Outside8743 Mortgage Brokers8745 News Agents or Distributors of Magazines or Other Periodicals - not retail8748 Automobile or Automobile Truck Salespersons8801 Credit Unions8803 Auditors or Accountants8807 Newspaper, Magazine or Book Publishing - no printing8808 Banks8810 Clerical O ce Employees8813(1) Printing - editing8813(2) Bookbinding - editing8818 Newspaper Publishing or Newspaper Printing - editing8820 Law Firms8821 Law Firm Support Services8822 Insurance Companies8831(1) Hospitals - veterinary8831(3) Kennels8834 Physicians Practices and Outpatient Clinics8839 Dentists and Dental Surgeons8840 Churches, Temples, Mosques and Synagogues - including clerical o ce employees8846(1) Printing - screen printing - editing8859(1) Computer Programming or So ware Development8859(2) Internet Or Web - Based Application Development Or Operation9008 Janitorial Services9009 Commercial Properties all other employees9011(1) Apartment or Condominium Complex Operation - all other employees9011(2) Commercial and Residential Mixed-Use Building Operation - not Homeowners Associations - all other employees9015(1)

10 Building Operation all other employees9031 Pest Control9050 Hotels, Motels, or short-term residential housing9059 Day Care Centers9060 Clubs - country or golf9079A Restaurants or Taverns without waitsta 9079B Restaurants or Taverns with waitsta 9096 Residential Cleaning Services9220(1) Cemetery Operation9501(3) Painting - automobile or automobile truck bodies9507 Sign Painting or Le ering9516 Television, Video, Audio and Radio Equipment Installation, Service or Repair9519(1) Household Appliances9519(4) Water So ening or Conditioning Systems9521(2) Floor Covering - installation9620 Funeral DirectorsCLASS CODE CLASS NAME/DESCRIPTION CLASS CODE CLASS NAME/DESCRIPTION Class List for Workers CompEssential Pandemic Resistant Classes Highlighted business = Most successful | 2022 Builders & Tradesmen s Insurance Services, Inc.