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 and Repair
  • Painting & Siding
  • Piano Tuning
  • Seal Coating
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Service
  • Tiling
  • Upholstering
  • Walls
  • Wallpapering
  • Window Cleaning
  • Window Decorating


Ineligible Operations

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • Demolition
  • Fire or Water Mitigation or Restoration
  • Foundation Repair
  • Garage Door Repair
  • Grading or Excavating
  • Machinery or Equipment Repair (Other Than Office Machines And Household Appliances)
  • Pool Construction
  • Roofing
  • Street, Road and Highway Work
  • Performing Work over Three Stories in Height (30 Feet)



Events & Entertainment

Eligible operations


Events

  • Individual event participants (not the event itself)
  • Event Staff (Planners & Promoters as Individuals)
  • Food / Catering (No Bartending)
  • Musicians
  • Actors
  • Speakers
  • Events where alcohol is served (but not if the insured is in the business of selling alcohol)

Entertainers

  • Balloon Artists
  • Belly Dancers
  • Caricature Artists
  • Celebrity Look-a-Likes
  • Clowns
  • Comedians
  • Contortionists
  • DJs
  • Face Painters
  • Impersonators
  • Impressionists
  • Jugglers
  • Magicians
  • Mimes
  • Musicians (individual)
  • 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 Operators (including Bouncy Castles)
  • ATV Tours
  • Bartenders
  • Bouncers
  • 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
  • Security Guards
  • Skiing or Snowboarding
  • White Water Rafting



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
  • Spa services involving dangerous or inflammatory chemicals, tattooing or body piercing, or any other services determined to be excessively dangerous. 

 


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
  • Growing, Cultivating, Storing, Selling or Distributing Marijuana Or Marijuana Products
  • 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)



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

  • Babysitters and Nannies

  • Bouncers 

  • Elderly Care 
  • Home Health Care 
  • Inspectors 
  • Lifeguards 
  • Rideshare Drivers 
  • Security Guards 
  • Training or Instruction Demonstrated on Real Patients 



Pets

Eligible operations

  • Pet Grooming
  • Pet Sitting
  • Pet Training
  • Pet 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 (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).