Eligible Operations

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

Ineligible Operations

  • Fire restoration work
  • 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
  • Water restoration work


Add-ons must be individually added to a policy.

Appliance installation

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

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.
Operations including E.I.F.S. (synthetic stucco).
New Home Building
New residential construction where the insured is working on 10 or more homes or units in any one project or development.
Exterior Painting
Work performed over three stories in height.