We are adding more activities all the time, but we'll only be able to arrange coverage if your activity is in a category below.


Construction

Eligible Operations

  • Carpentry
  • Closets
  • Contractors
  • Deck Building
  • Draftsperson
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Glaziers
  • Gutter Cleaning
  • Interior Painting
  • Masonry
  • Millwork
  • Siding
  • Surveyors
  • Walls (Drywall or Wallboard)
  • Window Dressing

Ineligible Operations

  • Fire or Water Mitigation or Restoration
  • Foundation Repair
  • Grading or Excavating
  • Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
  • Roofing Involving Hot Tar Or Membrane Work
  • Street, Road and Highway Work


Home & Garden

Eligible Operations

  • Alarm or Fire System Installation & Maintenance
  • AV Installation
  • Car AV Installation
  • Carpet Cleaners
  • Furniture Assembly
  • Gutter Cleaning
  • Handyperson
  • Housekeepers
  • Interior Decorating
  • Interior Painting
  • Invisible Fence® Installation
  • Janitorial Services
  • Landscaping
  • Lawn & Yard Maintenance
  • Lighting Installation
  • Locksmiths
  • Piano Tuning
  • Pressure Washing
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Swimming Pool Service
  • Tiling
  • Upholstering
  • Window Cleaning

Ineligible Operations

  • Alarm system monitoring
  • Assembly of Cribs or Bunk Beds
  • Fire or Water Mitigation or Restoration
  • Foundation Repair
  • Grading or Excavating
  • Growing, Cultivating, Storing, Selling or Distributing Marijuana Or Marijuana Products
  • Pool Construction
  • Roofing Involving Hot Tar or Membrane Work


Professional Services

Eligible Operations

  • Computer Programming
  • Computer Repair
  • Food / Catering
  • Hair Stylists
  • House Sitting
  • Inspectors,
  • Nail Artists
  • Office Machines Installation and repair
  • Personal Trainers
  • Photographer / Videographer
  • Printing
  • Sign Installation
  • Sound Recordists
  • Web Developer
  • Yoga Instructor

Ineligible Operations

  • Adult Film Operations
  • Bartenders
  • Growing, Cultivating, Storing, Selling or Distributing Marijuana or Marijuana Products
  • Inspectors
  • Massage Therapists
  • Occupational Therapists
  • Physical Therapists
  • Tattoo or Piercing Artists



Events & Entertainment

Eligible operations

Events

  • Individual event participants (not the event itself)
  • Event staff, planners, and promoters (as individuals)
  • Musicians
  • Magicians
  • DJs
  • Actors
  • Speakers
  • Entertainers:
    • Balloon artist
    • Belly dancer
    • Caricature artist
    • Celebrity look-a-like
    • Clown
    • Comedian
    • Contortionist
    • DJ
    • Face painter
    • Impersonator
    • Impressionist
    • Juggler
    • Magician
    • Mime
    • Musician (individual)
    • Musical conductor
    • Poet
    • Puppeteer
    • Santa
    • Story teller
    • Street performers
    • Ventriloquist

Guides

  • Canoe & Kayak Guides / Instructors
  • Fishing Guides
  • Float Trip Guides
  • Hiking Tour Guides
  • Nature and wildlife Guides
  • Stand Up Paddleboard (SUP) Guides

Ineligible operations

  • Acrobatic, aerialist, or stunt performers
  • Amusement device, rides or inflatables operators
  • ATV tours
  • Bartenders
  • Exotic dancers, strippers, or adult entertainment
  • Horseback trail rides
  • Hunt clubs
  • Hypnotists
  • Operations involving non-domestic animals
  • Operations involving weapons
  • Participating in protests, rallies and/or marches
  • Rock climbing
  • Skiing or Snowboarding
  • White water rafting


Pets

Eligible operations

  • Grooming
  • Training
  • Walking


Add-ons

Add-ons must be individually added to a policy.


Add-On
Exclusions
Appliance installation

Chimney cleaning
Performing work over three stories in height.
Concrete construction
Foundation repair.
HVAC work

Plumbing
LPG (propane) connections.
Snow / ice removal
Snow / Ice removal including commercial property or multi-unit residential.
Floor waxing
Floor waxing operations including commercial buildings with heavy foot traffic (e.g. malls, grocery / convenience stores, hospitals, airports).
Pest Control
Termite or bed beg remediation.
Plastering
Operations including E.I.F.S. (synthetic stucco).
New Home Building
Work on 10 or more homes or units in any one project or development.
Exterior Painting
Performing work over three stories in height.