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.


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
  • Handyperson
  • Interior Painting
  • Invisible Fence Installation
  • Locksmiths
  • Masonry
  • Millwork
  • Office Furniture Installation
  • Office Machine Installation and Repair
  • Painting & Siding
  • Piano Tuning
  • Siding
  • Small Contractors including Finishing Contractors
  • Smart Home Installation
  • Surveillance System Installation & Maintenance
  • Surveyors
  • Swimming Pool Service
  • Tiling
  • Upholstering
  • Walls
  • Window Cleaning
  • Window Decorating


Ineligible Operations

  • Alarm System Monitoring
  • Assembly of Cribs or Bunk Beds
  • 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



Events & Entertainment

Eligible operations


Events

  • Individual event participants (not the event itself)
  • Event Staff (Planners & Promoters as Individuals)
  • Food / Catering (No Bartending)
  • Magicians
  • Musicians
  • 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
  • Adult Film Operations
  • Amusement Device, Rides or Inflatables Operators
  • 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 Instructor
  • Barber
  • Cosmetologist
  • Dance Instructor
  • Fitness Instructor
  • Golf Instructor
  • Hair Stylists
  • Nail Artists
  • Personal Trainer
  • Spin Instructor
  • Swim Instructor
  • Tai Chi Instructor
  • Yoga Instructor


Ineligible Operations

  • Acupuncture Services
  • Massage Therapist
  • Occupational Therapist
  • Physical Therapists
  • Tattoo or Piercing Artist
  • 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
  • Pesticide Application (Landscapers Only)

Ineligible Operations

  • Aerial crop spraying
  • Bed bug 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



Cleaners & Janitors

Eligible Operations

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

Ineligible Operations

  • Inspectors
  • Floor waxing during business hours or in commercial buildings with heavy foot traffic (malls, grocery/convenience/drug stores, hospitals, airports)



Consultants & Freelancers

Eligible Operations

  • AV Installation
  • Business Consultant
  • Car AV Installation
  • Classroom Instruction
  • Computer Programming
  • Computer Repair
  • Creative Director
  • Financial Consultant
  • Graphic Designer
  • House Sitting
  • Interior Decorating
  • IT Consultant
  • Marketing Consultant
  • Personal Shoppers
  • Photography & Videography (No Drones)
  • Sound Recordist
  • Speaker
  • Web Developer
  • Writer

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.
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.
Printing

Sign Installation
Performing work over three stories in height.