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.


Handymen / Handyman & Contractors

Eligible Operations

  • AV Installation
  • Alarm Systems Installation & Repair
  • Carpentry
  • Carpentry - Interior
  • Carpet Cleaners
  • Closet Installation
  • Contractors
  • Debris Removal
  • Deck Building
  • Electrical
  • Fence Building
  • Finish Carpentry
  • Finishing Contractors
  • Flooring
  • Furniture Assembly (No Cribs or Bunk Beds)
  • Furniture Installation - Office
  • Furniture Refinishing
  • Glaziers
  • Handypersons
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Furniture Installation
  • Office Machine Installation & Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Servicing (No Construction)
  • Tiling
  • Upholstering
  • Walls
  • Wallpapering
  • Window Decorating


Ineligible Operations

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Demolition
  • Fire or Water Mitigation or Restoration
  • Foundation Work or Repair
  • Those Specializing in Garage Door Installation, Servicing, or Repair
  • Grading or Excavating
  • Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
  • Pool Construction
  • Roadside Assistance
  • Roofing Work or Repair
  • Street, Road and Highway Work
  • Traffic Control
  • Welding
  • Performing Work over Three Stories in Height (30 Feet)
  • Work performed before or after the policy period



Events & Entertainment

Eligible operations


Events

  • Actors
  • Corporate Party Planners
  • Event Staff
  • Food / Catering (No Bartending)
  • Individual event participants (not the event itself)
  • Musicians
  • Speakers
  • Wedding Planners


Entertainers

  • Balloon Artists
  • Belly Dancers
  • Caricature Artists
  • Celebrity Look-a-Likes
  • Clowns
  • Comedians
  • Contortionists
  • DJs
  • Face Painters
  • Impersonators
  • Impressionists
  • Jugglers
  • Magicians
  • Mimes
  • Musicians
  • Musical Conductors
  • Poets
  • Puppeteers
  • Santas
  • Storytellers
  • Street Performers
  • Ventriloquists


Guides

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


Ineligible operations

  • Acrobatic, Aerialist, or Stunt Performers
  • Adult Film Operations
  • Amusement Device, Rides or Inflatables (including Bouncy Castles) Operators or Rental
  • ATV Tours
  • Bartenders
  • Bouncers
  • Equipment Rental
  • Event Promoters
  • Exotic Dancers, Strippers, or Adult Entertainment
  • Fireworks
  • Horseback Trail Rides
  • Hunt Clubs
  • Hypnotists
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any other product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting tobacco or products containing tobacco 
  • Operations Involving Non-Domestic Animals
  • Operations Involving Weapons
  • Participating in Protests, Rallies and/or Marches
  • Rock Climbing
  • Security Guards
  • Skiing or Snowboarding Guides
  • Traffic Control
  • White Water Rafting Guides
  • Wrestling or MMA-related activities
  • Work performed before or after the policy period



Beauty & Fitness

Eligible Operations

  • Aerobics Instructors
  • Barbers
  • Cosmetologists
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Hair Stylists
  • Martial Arts Instructors
  • Nail Artists
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors


Ineligible Operations

  • Acupuncture Services
  • Massage Therapists
  • Occupational Therapists
  • Physical Therapists
  • Tattoo or Piercing Artists
  • Certain specified spa services

  • Work performed before or after the policy period



Landscaper

Eligible Operations

  • Landscaping
  • Lawn & Yard Maintenance
  • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)
  • Pesticide Application (Landscapers Only)


Ineligible Operations

  • Aerial Crop Spraying
  • Bedbug Remediation
  • Fumigation / Use of Gas
  • Grading or Excavating
  • Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Highway or Right of Way Maintenance
  • Pool Construction
  • Termite Inspection or Remediation
  • Use of pesticides that are not EPA approved
  • Performing Work over Three Stories in Height (30 Feet)
  • Work performed before or after the policy period



Cleaners & Janitors

Eligible Operations

  • Car / Boat / Vehicle Washing or Detailing
  • Housekeepers
  • Janitorial Services including Carpet and Window Cleaning
  • Office Cleaning
  • Pressure Washing


Ineligible Operations



Consultants & Freelancers

Eligible Operations

  • AV Installation
  • Business Consultants
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Directors
  • Financial Consultants
  • Graphic Designers
  • House Sitting
  • Interior Decorating
  • IT Consultants
  • Marketing Consultants
  • Personal Shoppers
  • Photography & Videography (No Drones)
  • Sound Recordists
  • Speakers
  • Web Developers
  • Writers


Ineligible Operations

  • Adult Film Operations
  • Alarm System Monitoring

  • Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
  • Babysitters and Nannies

  • Bouncers 

  • Elderly Care 
  • Financial Planners
  • Home Health Care
  • Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Inspectors 
  • Investment Advisors
  • Lifeguards 
  • Mortgage Bankers or Investment Bankers
  • Registered Representatives or Brokers/Dealers of Securities or Commodities
  • Rideshare Drivers 
  • Roadside Assistance
  • Security Guards 
  • Traffic Control
  • Training or Instruction Demonstrated on Real Patients 
  • Work performed before or after the policy period



Pets


Eligible operations

  • Pet Grooming
  • Pet Sitting
  • Pet Training
  • Pet Walking


Ineligible Operations

  • Work performed before or after the policy period



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 (30 feet).
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).
Plastering / Stuccoing
Operations including E.I.F.S. (synthetic stucco).
Exterior Painting
Performing work over three stories in height (30 feet).
Printing

Sign Installation
Performing work over three stories in height (30 feet).