Professional Services

Eligible Operations

  • Photographer / Videographer (no drones)
  • Computer programmer
  • Computer repair
  • Food / Catering
  • Hair stylists
  • Nail Artists
  • Office machine installation and repair
  • Personal trainers
  • Printing
  • Sign Installation
  • Sound Recordists
  • Web developer
  • Yoga Instructor

Ineligible Operations

  • Drones
  • 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


Add-ons

Add-ons must be individually added to a policy.


Add-On
Exclusions
Appliance installation

Chimney cleaning
Work performed 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
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.