Construction – Special Trade Contractors Tradesman who earns income by performing repair, improvement, installation or maintenance services at residential and commercial locations including new construction sites.Construction – Builders & General Trade Contractors Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire project (new work, alterations, remodeling and repair) and hire special trade contractors for their projects.

Courier, Mail & Newspaper Delivery Business that earns income by completing the delivery of letters, documents or packages for a fee. Examples include but are not limited to:

• Medical samples
• Legal documents
• Federal Express
• Greyhound Package Express

Dirt, Sand & Gravel Business earns income by transporting dirt, sand, gravel or asphalt on a for-hire basis.

Farming & Livestock Businesses earn income by raising livestock or agricultural production. Examples include:

• Farming
• Ranching
• Fisheries
• Nurseries/Floriculture production

Food Services, Restaurants & Pizza Delivery Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food, picking up supplies, running errands, etc.

Landscaping, Snowplowing & Firewood Business earns income by providing landscaping or snowplowing services to residential and commercial properties. Can also earn income by delivering or selling firewood. Examples include but are not limited to:

• Lawn care installation or maintenance
• Snow removal (residential/commercial)
• Tree trimmers
• Delivery of firewood

Logging & Log Transport Business earns income working in the logging industry.

Manufacturing Establishments engaged in the mass production of products.

Non-Business Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to:

• Personal auto titled in the business name
• Vehicle not acceptable on a personal policy
• Vehicle used to haul travel trailer, boat, historical vehicles, or race vehicle
• Stake truck hauling firewood for personal use
• Dump truck for clearing own land

Passenger Transportation Business earns income through a service to their customers. Passengers are transported for profit. Transportation of passengers Is done on a for-hire basis. Acceptable risks include taxicabs, transportation of prisoners or reform school students, transporting of children to and from school, and all for-hire livery/passenger risks.

Retail Trade Operations Sale of goods in small quantities to the public.

Services Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up supplies, running errands, etc.

Towing Services, Gas Stations & Auto Repair Establishments primarily engaged in providing towing services and auto repair. Repo operations are acceptable and our program is very competitive.

Trucking For-Hire Business earns income by manufacturing or transporting raw materials, goods or equipment. Examples include but are not limited to:

• Agricultural hauling
• Expediters
• Household goods movers
• Livestock hauling
• Machinery and heavy equipment
• Steel hauling (except coiled steel)
• Coal hauling (Physical Damage Only)
• Hazardous materials (Physical Damage Only)
• Debris removal (Physical Damage Only)
• Refrigerated goods

Wholesale Trade Establishments primarily engaged in mass distribution of durable and/or non-durable goods to retailers.