Pie Insurance | New York Recent Successes

Class Code: 9505 – Auto repair and painting
ExMod: 0.84
Bound Premium: $23,595

Unique Characteristics:

Class code is eligible for an instant quote
Considered a preferred class, so loss runs aren’t required

General underwriting guidelines:

2 years prior coverage required
No minimum payroll

Eligibility

No motorcycle/ATV shops
No towing operations which are not separately rated
Only OSHA approved spray booths

Class Code: 9072 – Restaurant
ExMod: 1.11
Bound Premium: $18,867

Unique Characteristics:

Class code is eligible for an instant quote
Loss runs required

General underwriting guidelines:

2 years prior coverage required
No minimum payroll

Eligibility

No employees providing/performing live music, dancing, exotic dancing, karaoke, roller skating, fire breathing, or anything beyond the ordinary
No risks with more than 50% alcohol sales
No bouncers or security guards

Class Code: 8810 – Clerical office employees
ExMod: 1.0
Bound Premium: $298

Unique Characteristics:

Class code is eligible for an instant quote
Considered a preferred class, so loss runs aren’t required

General underwriting guidelines:

2 years prior coverage required
No minimum payroll

Eligibility

No exposures that should be otherwise classed
No check cashing
Clerical workers need to be working out of a separate office and away from all labor operations of the overall business

Class Code: 8854 – Health care services
ExMod: 0.88
Bound Premium: $3,863

Unique Characteristics:

Class code is eligible for an instant quote
Loss runs required

General underwriting guidelines:

2 years prior coverage required
Minimum $50,000 in payroll

Eligibility:

No live-in employees at a client’s residence, on premises
No family members of the patient
No employees untrained on proper lifting techniques when handling patients

Class Code: 9586 – Beauty salon
ExMod: 1.0
Bound Premium: $775

Unique Characteristics:

Class code is eligible for an instant quote
Considered a preferred class, so loss runs aren’t required

General underwriting guidelines:

2 years prior coverage required
No minimum payroll

Eligibility:

No massage parlors (as opposed to Massage Therapists)

Class Code: 8391 – Auto sales/service
ExMod: 1.0
Bound Premium: $1,250

Unique Characteristics:

Class code is eligible for an instant quote
Considered a preferred class, so loss runs aren’t required

General underwriting guidelines:

2 years prior coverage required
No minimum payroll

Eligibility

No motorcycle/ATV service
No tire recapping/retreading, split rims, mobile repair, roadside assistance/repair
No auto dismantling/crushing
No towing operations not separately rated
No racing teams/operations

Class Code: 9403 – Garbage collection
ExMod: 1.0
Bound Premium: $14,439

Unique Characteristics:

Class code is not eligible for an instant quote
Considered a preferred class, so loss runs aren’t required

General underwriting guidelines:

2 years prior coverage required
Minimum $30,000 in payroll

Eligibility

No hauling of explosives, combustibles (other than gasoline), highly corrosive materials, live animals, or logs
Maximum delivery radius cannot exceed 800 miles
The insured’s total wage/payment outlay cannot exceed 60% for the owner/operators versus W2 employees

Class Code: 8293 – Moving and storage
ExMod: 1.0
Bound Premium: $6,627

Unique Characteristics:

Class code is not eligible for an instant quote
Loss runs required

General underwriting guidelines:

2 years prior coverage required
Minimum $55,000 in payroll

Eligibility:

No long-distance moving beyond 800 mile radius
No piano moving specialists; heavy object specialists
No warehouse security personnel

Recent New York Success

Pie partners bound these policies in the Empire State in the last month