Rhode Island
Contractors Rating program
Class / Coverage / 300/600
(600mp) / 500/1000
(600mp) / 1000/1000
(750mp) / 1000/2000
(750mp)
AIR CONDITIONING SYSTEMS OR EQUIPMENT DEALERS OR DISTRIBUTORS AND INSTALLATION, SERVICING OR REPAIR•,
No Crane Exposure, No Work Over 3 Stories, No Freon Reclaiming / 91111 / PremOps / 19.902 / 21.726 / 23.717 / 24.048
91111 / Prod / 25.264 / 27.411 / 29.987 / 30.416
APPLIANCES AND ACCESSORIES
INSTALLATION, SERVICING OR REPAIR - HOUSEHOLD
No tract homebuilders as additional insureds, Television or radio receiving set installation or repair shall be separately classified and rated / 91155 / PremOps / 27.946 / 30.507 / 33.302 / 33.768
91155 / Prod / 50.088 / 56.276 / 64.399 / 65.172
CARPENTRY CONSTRUCTION OF RESIDENTIAL PROPERTY
NOT EXCEEDING THREE STORIES IN HEIGHT
No roofing, No crane exposures,no residential developers, Designated Construction Operations exclusion / 91340 / PremOps / 26.244 / 28.65 / 31.274 / 31.712
91340 / Prod / 29.895 / 33.589 / 38.437 / 38.898
CARPENTRY INTERIOR
Excludes Designated Construction Operations, Your Work Completed Prior To Specified Date / 91341 / PremOps / 29.826 / 33.519 / 38.136 / 38.598
91341 / Prod / 16.18 / 18.179 / 20.803 / 21.052
CARPENTRY SHOP ONLY
Separately classified and rated: Lumberyards, Building material dealers, Home improvement stores
Exclude- Your Work Completed Prior to Specified Date / 91343 / PremOps / 5.929 / 6.473 / 7.066 / 7.164
91343 / Prod / 18.934 / 21.274 / 24.344 / 24.636
CARPET, RUG, FURNITURE OR UPHOLSTERY CLEANING
On Customers' Premises / 91405 / PremOps / 35.722 / 38.996 / 42.568 / 43.164
91405 / Prod / incl / incl / incl / incl
CEILING OR WALL INSTALLATION METAL
Other Than Metal Shall Be Separately Classified And Rated As "Dry Wall Or Wallboard Installation" Or "Carpentry." / 91436 / PremOps / 29.646 / 32.364 / 35.328 / 35.822
91436 / Prod / 25.28 / 28.403 / 32.502 / 32.893
CHIMNEY CLEANING
Minimum $1000 Property Damage (PD) deductible required, NO Requests to add tract homebuilders as additional insureds / 91481 / PremOps / 105.168 / 115.014 / 125.755 / 127.545
91481 / Prod / incl / incl / incl / incl
CONTRACTORS SUBCONTRACTED (SECONDARY CLASS)
Work - In Connection With Construction, Reconstruction,
Erection Or Repair - Not Buildings Noc / 91581 / PremOps / 1.067 / 1.199 / 1.365 / 1.381
91581 / Prod / 4.831 / 5.684 / 6.674 / 6.947
CONTRACTORS SUBCONTRACTED (Secondary Class)
Work - In Connection With Construction, Reconstruction,
Repair Or Erection Of Buildings NOC / 91585 / PremOps / 0.523 / 0.588 / 0.669 / 0.677
91585 / Prod / 5.337 / 6.279 / 7.372 / 7.674
DEBRIS REMOVAL CONSTRUCTION SITE
Salvage operations shall be separately classified and rated / 91629 / PremOps / 17.844 / 20.054 / 22.816 / 23.092
91629 / Prod / 5.245 / 5.893 / 6.743 / 6.824
DRIVEWAY, PARKING AREA OR SIDEWALK, PAVING OR REPAVING
The Following Shall Be Separately Classified And Rated:
Concrete Parking Lots, Concrete Paving of Streets and Airport Runways, Clearing of Right-Of-Way, Earth or Rock Excavation, Filling or Grading Of Land, No Requests to Add Tract Homebuilders as Additional Insureds, Exclude Subsidence or Movement of Soil, Land, Bedrock or Earth / 92215 / PremOps / 27.216 / 29.711 / 32.432 / 32.886
92215 / Prod / 6.364 / 6.905 / 7.554 / 7.662
DRY WALL OR WALLBOARD INSTALLATION
Excludes: Exterior Insulation and Finish Systems (EIFS) and Your Work Completed Prior to Specified Date / 92338 / PremOps / 10.838 / 11.832 / 12.916 / 13.096
92338 / Prod / 6.269 / 6.801 / 7.44 / 7.547
ELECTRICAL WORK WITHIN BUILDINGS
Please Submit For Installation of Alarms or Alarm Systems and Electrical Machinery or Auxiliary Apparatus
Excludes Your Work Completed Prior To Specified Date / 92478 / PremOps / 8.456 / 9.232 / 10.077 / 10.218
92478 / Prod / 9.415 / 10.578 / 12.105 / 12.25
EXCAVATION
Licensed As Required By The State, Obtain Certificates Of Insurance From All Subcontractors, Proper Authorities Identify All Underground Utilities, Signs, Barricades And Fences Are Used To Keep Non-Employees At A Safe Distance From Site And Equipment, Shoring Is Used In Trenches Four (4) Feet Or Deeper.
No blasting operations, no risk with a construction defect loss, no contractors with past or present projects on landfills or areas designated as contaminated, no snow plowing operation, no Underground tank installation, removal, repair or service, no Work on dam or reservoir construction, no work on gas main construction, no foundation repair, no Residential Developers
Excludes: Wrecking, Dismantling or Salvage Operations, Designated Construction Operations. Your Work Completed Prior to Specified Date / 94007 / PremOps / 59.536 / 64.993 / 70.947 / 71.939
94007 / Prod / 18.934 / 21.274 / 24.344 / 24.636
FENCE ERECTION CONTRACTORS
Installation or repair of fences only, No Crane exposures, no Retaining wall construction, no Requests to add tract homebuilders as additional insureds, no traffic barricade or barrier rental or erection" / 94276 / PremOps / 26.244 / 28.65 / 31.274 / 31.712
94276 / Prod / 18.173 / 20.418 / 23.365 / 23.646
FIRE EXTINGUISHERS SERVICING, REFILLING OR TESTING
At least 3 experience and properly licensed as required by the state, subcontractors must provide Certificates of Insurance.
Submit any operation that includes: Fire Suppression Systems - Installation, Servicing or Repair, and/or Alarm Installers and/or Filling of oxygen tanks. No Products coverage for manufacturers of extinguishing systems, no Installation in vehicles, mobile equipment, watercraft and/or aircraft., no Scuba, Designated Professional Services endorsement / 94304 / PremOps / 27.702 / 30.241 / 33.012 / 33.473
94304 / Prod / 86.022 / 101.21 / 118.827 / 123.687
FLOOR COVERING INSTALLATION
Not Ceramic Tile Or Stone, Excludes: Your Work Completed Prior To Specified Date / 94569 / PremOps / 16.087 / 17.562 / 19.171 / 19.439
94569 / Prod / 13.165 / 14.792 / 16.926 / 17.13
GRADING OF LAND
Proper authorities identify all underground utilities, Signs, barricades and fences are used to keep non-employees at a safe distance from site and equipment.
The following shall be separately classified and rated: Excavation of canals or cellars, Landscaping, Street or road construction
No Contractors with past or present projects on landfills or areas designated as contaminated, no snow plowing, no underground tank installation, removal, repair or service, no work on gas main construction, no Residential Developers, No snow plowing
Excludes: Wrecking, Dismantling or Salvage Operations, Your Work Completed Prior to Specified Date
Policy does not apply to (1) property damage due to (a) fire, including the cost to extinguish, fight, contain or to clean up debris due to fire; (b) to any vehicle while being loaded or unloaded; (c) arising out of the overcutting, wrongful cutting or any error or omission in designating timber to be cut by you or others; (d) arising out of erosion, or the failure to control erosion, due to your operation. (2) to bodily injury or property damage arising out of the ownership, storage, use or application of herbicides, insecticides or pesticides, (3) to bodily injury, property damage, personal and advertising injury or medical payments arising out of any error, omission, deficiency of tests performed, consultation given or valuation made or the rendering of or failure to render any professional services. / 95410 / PremOps / 29.646 / 32.364 / 35.328 / 35.822
95410 / Prod / 11.487 / 12.906 / 14.769 / 14.946
GREENHOUSE ERECTION
building greenhouses for others, construction of foundation, erection and fastening of metal or wood frame and insertion of the glass. / 95487 / PremOps / 14.677 / 16.495 / 18.767 / 18.994
95487 / Prod / 9.834 / 11.049 / 12.644 / 12.796
GUNITING OR SHOT-CRETE
spray application of concrete at a high velocity for the purpose of repairing concrete, building swimming pools, conduits, etc / 95505 / PremOps / 22.945 / 25.786 / 29.338 / 29.693
95505 / Prod / 14.705 / 15.955 / 17.454 / 17.704
HANDYPERSON
Roofing shall be separately classified and rate. Excludes: Exterior Insulation and Finish Systems (EIFS), Substance or Movement of Soil, Land, Bedrock or Earth, Overspray, Spillage, Leakage or Overflow, Wrecking, Dismantling or Salvage Operations, Your Work Completed Prior to Specified Date / 95625 / PremOps / 34.992 / 38.2 / 41.699 / 42.282
95625 / Prod / 12.012 / 13.033 / 14.258 / 14.462
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
Duct work only see Sheet Metal Work – Outside or Sheet Metal Work-shop Only
No work over 3 stories, no crane exposure
Excludes you work Completed Prior to Specified Date. / 95647 / PremOps / 24.276 / 26.501 / 28.929 / 29.334
95647 / Prod / 23.358 / 25.342 / 27.723 / 28.12
HEATING OR COMBINED HEATING AND AIR CONDITIONING SYSTEMS OR EQUIPMENT
Dealers Or Distributors And Installation, Servicing Or Repair
Sales and installation, servicing or repair of heating or combined heating and air conditioning systems or equipment if any such system or equipment use LPG as an energy source
Duct work only see Sheet Metal Work – Outside or Sheet Metal Work-shop Only
No work over 3 stories, no crane exposure
Excludes you work Completed Prior to Specified Date. / 95648 / PremOps / 14.58 / 15.917 / 17.375 / 17.618
95648 / Prod / 18.357 / 20.625 / 23.601 / 23.885
HOUSE FURNISHINGS INSTALLATION NOC
Includes Incidental Floor Covering Installation
Excludes Designated Professional Services / 96053 / PremOps / 18.2 / 19.869 / 21.689 / 21.992
96053 / Prod / 15.499 / 17.413 / 19.927 / 20.166
INSULATION WORK - PLASTIC
Loose Plastics Not In Solid State As Insulating Materials
No Asbestos work , No Fire proofing exposures
Excludes Overspray, Spillage, Leakage or Overflow, Wrecking, Dismantling or Salvage Operations, Subsidence or Movement of Soil, Land, Bedrock or Earth / 96408 / PremOps / 24.149 / 27.139 / 30.878 / 31.251
96408 / Prod / 23.103 / 25.957 / 29.704 / 30.06
INSULATION WORK - ORGANIC OR PLASTIC IN SOLID STATE
Cellulose Fibers, Cork, Vermiculite, Perlite, Hardened Plastic Foams And Reflective Foil Are Common Insulating Materials
No Asbestos work , No Fire proofing exposures
Excludes Overspray, Spillage, Leakage or Overflow, Wrecking, Dismantling or Salvage Operations, Subsidence or Movement of Soil, Land, Bedrock or Earth / 96409 / PremOps / 20.315 / 22.177 / 24.208 / 24.547
96409 / Prod / 26.145 / 29.375 / 33.615 / 34.018
INSULATION WORK - MINERAL
Glass, Mineral Or Asbestos Reflective Foil
No Asbestos work , No Fire proofing exposures
Excludes Overspray, Spillage, Leakage or Overflow, Wrecking, Dismantling or Salvage Operations, Subsidence or Movement of Soil, Land, Bedrock or Earth / 96410 / PremOps / 19.675 / 22.111 / 25.157 / 25.461
96410 / Prod / 27.648 / 29.997 / 32.816 / 33.285
INTERIOR DECORATORS
consulting service with respect to decor, colors, and materials in the home or office
No installation, No construction No repair work / 96611 / PremOps / 6.78 / 7.402 / 8.08 / 8.193
96611 / Prod / 5.22 / 5.663 / 6.196 / 6.284
LANDSCAPE GARDENING
Laying out grounds, planting trees, shrubs, flowers or lawns, Interior landscaping
Operations including excavation and lawn care services only shall be separately classified and rated:
No Dusting, spraying or fumigating of crops, no Pesticide, herbicide, applicator coverage
Policy does not apply to (1) property damage due to (a) fire, including the cost to extinguish, fight, contain or to clean up debris due to fire; (b) to any vehicle while being loaded or unloaded; (c) arising out of the overcutting, wrongful cutting or any error or omission in designating timber to be cut by you or others; (d) arising out of erosion, or the failure to control erosion, due to your operation. (2) to bodily injury or property damage arising out of the ownership, storage, use or application of herbicides, insecticides or pesticides, (3) to bodily injury, property damage, personal and advertising injury or medical payments arising out of any error, omission, deficiency of tests performed, consultation given or valuation made or the rendering of or failure to render any professional services. / 97047 / PremOps / 22.548 / 23.948 / 24.749 / 25.149
97047 / Prod / incl / incl / incl / incl
LAWN CARE SERVICES
mowing, edging or cleaning lawns (removal of leaves)
no Dusting, spraying or fumigating of crops, no Pesticide, herbicide, applicator coverage, no Highway mowing operations, no Requests to add tract homebuilders as additional insureds
Policy does not apply to (1) property damage due to (a) fire, including the cost to extinguish, fight, contain or to clean up debris due to fire; (b) to any vehicle while being loaded or unloaded; (c) arising out of the overcutting, wrongful cutting or any error or omission in designating timber to be cut by you or others; (d) arising out of erosion, or the failure to control erosion, due to your operation. (2) to bodily injury or property damage arising out of the ownership, storage, use or application of herbicides, insecticides or pesticides, (3) to bodily injury, property damage, personal and advertising injury or medical payments arising out of any error, omission, deficiency of tests performed, consultation given or valuation made or the rendering of or failure to render any professional services. / 97050 / PremOps / 16.478 / 17.501 / 18.086 / 18.379