Recent New York Success

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

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