Prohibited Operations and Coverages

Prohibited Coverages

Foreign coverage including endemic disease and repatriation coverages
Outer Continental Shelf Lands Act
Defense Base Act
Non-appropriated Fund Instrumentalities Act
Maritime, Admiralty (Jones Act)
United States Longshoremen and Harbor Workers Act
Federal Coal Mine and Safety Act
Federal Employees Liability Act
Voluntary Workers Compensation

Prohibited Applicants

Accounts with undocumented gaps in coverage and has not been cancelled or non-renewed for any reason
Applicants requesting coverage on any basis other than guaranteed cost. This prohibition includes, but is not limited to: retrospective rating plans, retention plans of all kinds, portfolio transfers, captive or rental captive programs, large deductible programs, aggregate stop loss coverage, and IBNR coverage.
Applicants involved with the transportation, manufacture, storage, retail, or use of any type of explosive (including fireworks, firearms, and firearms-on-premise) or hazardous materials
Oil, gas, mining or on-site support work for those applicants, on or offshore
Chemical manufacturing (toxic)
Professional Employer Organizations (PEOs)
Employee leasing, staffing, or temporary worker firms
Check cashing stores
Pawn shops
Applicants that own, operate, sell or lease aircraft
Applicants that own, operate, sell or lease watercraft that operate on navigable waterways or are in any way subject to USL&H coverage
Applicants involving height exposure greater than 30 feet/two stories
Applicants involving digging to depths of greater than 15 feet
Public entities
Applicants with any work or exposures involving: asbestos, blasting / explosives, bridge work, chemicals / petroleum products, demolition, dock / sea walls, gas / sewer and/or water main, high voltage, highway / street / road work, lead or mold abatement, structural steel erection, tree trimming or removal, tunneling, underground tank or pipe replacement, United States Longshoreman and Harbor Workers (USL&H), welding, wrecking.
Nuclear energy or research
Marijuana/cannabis/THC or other federally illegal substances
Total payroll greater than $15MM
Total employee count greater than 500
Predominantly structural rough framing; structural carpentry
More than 50% subcontract payroll
More than 30% cash/casual/day labor
Exterior installation/take down of holiday decorations
Medical Transportation
Freight Forwarding, freight brokering
Paper contractors
Holiday decoration installation or removal
Firefighters and police officers
Railroad operations and construction
Amusement parks or devices, exhibitions (including fireworks), carnivals or circuses, or sports events and/or participants

Underwriting Guidelines