Business Types We Cover

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.