Merchants Appetite Guide

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Risk Appetite Guide
Quick Reference
All States
Except New Jersey

Merchants Advantage Plus®
RISK APPETITE GUIDE – QUICK REFERENCE

MA, MI, NH, NY, OH, PA, VT

Merchants Insurance Group is pleased to provide you with our Marketing Guide. Merchants offers a broad
portfolio of commercial property and casualty insurance products. This guide provides an overview of our position
on many classes of business, and will help you determine our overall underwriting approach for the classes listed.
Please contact your Territory Manager to determine if there are any state specific guidelines not contemplated in
this guide. You also need to review the product eligibility guidelines and your agency binding authority. These
documents are located on the Merchants Web Site: www.merchantsgroup.com/
Our risk desirability is shown in this guide by using the following symbols:

● indicates this is a class or line of business that we prefer to write, subject to loss history and other
underwriting information.
▼ indicates we would like you to discuss the classification or line of business with your Underwriter prior to
quoting or binding the exposure, as we may have specific underwriting requirements for the class.
 indicates the classification or line of business is not desirable to Merchants Insurance Group and should
not be submitted.
Regardless of the symbol shown in the manual, if you have an insured whom you believe would be a good
account for Merchants Insurance Group, please contact your underwriter to discuss the risk.

Risk Appetite Guide – Quick Reference (All States Except NJ)

Effective Date:

06/2017

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Abrasive Wheel Mfg.

050010

R

R

R

R

R

R

R

Abrasives or Abrasive Products Mfg.

050017

R

R

R

R

R

R

R

Abrasives or Abrasive Products Mfg.-Artificial

050015

R

R

R

R

R

R

R

Adhesive Mfg.

050045

R

R

R

R

R

R

R

Adhesive Tape Mfg.

050047

R

R

R

R

R

R

R

Adult Day Care-Not-For-Profit Only

040005

R

R

R

R

R

R

R

Adult Day Care-Other Than Not-For-Profit

040006

R

R

R

R

R

R

R

Advertising Sign Cos.-Outdoor

090089

R

R

R

R

R

R

R

Aerosol Container Mfg.

051001

R

R

R

R

R

R

R

Aerosol Containers-Filling or Charging for Others

051005

R

R

R

R

R

R

R

Air Conditioning and Heating (Combined) or Heating Equipment
Dealers or Distributors Only

013930

R

R

G

G

Y

G

G

Air Conditioning and Heating (Combined) or Heating Systems or
Equipment Dealers or Distributors and Installation, Servicing or Repair NO LPG Equipment Sales or Work

095647

R

R

Y

Y

Y

G

G

Air Conditioning and Heating Supplies

131000

013930

RETL

G

R

G

G

G

G

G

Air Conditioning and Heating Supplies - Wholesale

131002

013930

WHLS

G

R

G

G

G

G

G

Air Conditioning and Heating Systems Work (Retail / Installation Market
Segment)

131004

091111

RTIN

G

R

G

G

Y

G

Y

Air Conditioning and Heating Work

132000

095647

CONT

G

R

G

G

G

G

G

Air Conditioning Equipment - Sales Only

010010

R

R

G

G

Y

G

G

Air Conditioning Equipment Mfg.

051116

R

R

R

R

R

R

R

Air Conditioning Systems or Equipment - Sales, Installation, Servicing
or Repair

091111

R

R

G

G

Y

G

G

Aircraft or Aircraft Parts Mfg.

051201

R

R

R

R

R

R

R

Airport Control Towers-Not Operated Exclusively by the Federal
Aviation Administration

040020

R

R

R

R

R

R

R

Airport Runway or Warming Apron-Paving or Repaving, Surfacing,
Resurfacing or Scraping

091125

R

R

R

R

R

R

R

Airport-Lessees of Portions of Airports Engaged in the Sale of Aircraft
or Accessories, Servicing or Repairing of Aircraft or Pilot Instructions

040026

R

R

R

R

R

R

R

Airports-Commercial

040010

R

R

R

R

R

R

R

Airports-Private

040015

R

R

R

R

R

R

R

Alarm Mfg.-Burglar

051205

R

R

R

R

R

R

R

Alarm Mfg.-Fire or Smoke

051206

R

R

R

R

R

R

R

Alarms and Alarm Systems - Installation, Servicing or Repair

091127

R

R

G

R

Y

G

R

Alarms-Security Systems-Monitoring

091130

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

CONT

page 1 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Alcohol Mfg.-Not Beverage

051210

R

R

R

R

R

R

R

Ambulance Service, First Aid or Rescue Squads-Not-For-Profit Only

040032

R

R

R

R

R

R

R

Ambulance Service, First Aid or Rescue Squads-Other Than Not-ForProfit

040031

R

R

R

R

R

R

R

Ammunition Mfg.

051211

R

R

R

R

R

R

R

Amusement Centers

010015

R

R

R

R

R

R

R

Amusement Devices

040040

R

R

R

R

R

R

R

Amusement Devices-Operated in Connection with Carnivals or FairsNot-For-Profit Only

040042

R

R

R

R

R

R

R

Amusement Devices-Operated in Connection with Carnivals or FairsOther Than Not-For-Profit

040041

R

R

R

R

R

R

R

Amusement Parks

010020

R

R

R

R

R

R

R

Analytical Chemists

091135

R

R

R

R

R

R

R

Anhydrous Ammonia Dealers and Distributors

010036

R

R

R

R

R

R

R

Animals-Draft

040045

R

R

R

R

R

R

R

Animals-Saddle-for Rent

040046

R

R

R

R

R

R

R

Animals-Saddle-Private

040047

R

R

R

R

R

R

R

Antique Stores

010026

R

R

Y

G

Y

G

G

Apartment Buildings

060010

HABT

R

R

Y

Y

R

Y

Y

Apartment Buildings - garden

060011

HABT

R

R

R

R

R

R

R

Apartment Buildings or Hotels time-sharing - less than 4 stories

060012

HABT

R

R

R

R

R

R

R

Apartment Buildings or Hotels time-sharing - 4 stories or more

060013

HABT

R

R

R

R

R

R

R

Apartment Hotels - less than 4 stories

060015

HABT

R

R

R

R

R

R

R

Apartment Hotels - 4 stories or more

060016

HABT

R

R

R

R

R

R

R

Appliance and Accessory Installation, Servicing or Repair - Commercial

R

R

G

G

Y

G

G

Appliance and Accessory Installation, Servicing or Repair - Household

131006

091155

SERV

R

R

G

G

Y

G

G

Appliance Installation or Repair - Household Type only - Electrical

132011

091155

CONT

G

R

G

G

G

G

G

Appliance Installation or Repair- Household Type - Gas

132014

091155

CONT

G

R

G

G

G

G

G

Appliance Store - Household Type

131008

010042

RETL

G

R

G

G

G

G

G

Appliance Store - Household Type (Retail / Installation Market
Segment)

131012

091155

RTIN

G

R

G

G

Y

G

G

Appliance Store - Household Type - Wholesale

131010

010040

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Appliances and Accessories Mfg.-Commercial-Gas

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

091150

051220

page 2 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Appliances and Accessories Mfg.-Commercial-Not Gas

051221

R

R

R

R

R

R

R

Appliances and Accessories Mfg.-Household-Gas

051222

R

R

R

R

R

R

R

Appliances and Accessories Mfg.-Household-Not Gas

051224

R

R

R

R

R

R

R

Archery Ranges-Indoor

010052

R

R

R

R

R

R

R

Archery Ranges-Other Than Indoor

010054

R

R

R

R

R

R

R

Armored Car Service Cos.

091160

R

R

R

R

R

R

R

Army and Navy Store

010060

R

R

R

R

R

R

R

Art Galleries-Not-For-Profit Only

010066

R

R

R

R

R

R

R

Art Galleries-Other Than Not-For-Profit

010065

R

R

R

R

R

R

R

Asbestos Goods Mfg.

051230

R

R

R

R

R

R

R

Asphalt or Tar Distilling or Refining

051240

R

R

R

R

R

R

R

Asphalt Works

051241

R

R

R

R

R

R

R

Athletic or Sports Contests-In Buildings-Lessees-Not-For-Profit Only

040064

R

R

R

R

R

R

R

Athletic or Sports Contests-In Buildings-Lessees-Other Than Not-ForProfit

040063

R

R

R

R

R

R

R

Athletic Games Sponsored by the Insured-Not-For-Profit Only

040061

R

R

R

R

R

R

R

Athletic Games Sponsored by the Insured-Other Than Not-For-Profit

040059

R

R

R

R

R

R

R

Athletic Programs-Amateur-Not-For-Profit Only

040067

R

R

R

R

R

R

R

Athletic Programs-Amateur-Other Than Not-For-Profit

040066

R

R

R

R

R

R

R

Athletic Teams-Professional or Semi-Professional

040069

R

R

R

R

R

R

R

Auctioneers-Livestock-Sales Conducted Away from the Insuredðs
Premises

091175

R

R

R

R

R

R

R

Auctioneers-Sales Conducted Away from the Insuredðs Premises

091177

R

R

R

R

R

R

R

Auctions-on Premises Owned or Rented by the Insured

091179

R

R

R

R

R

R

R

Automobile Dismantling

091190

R

R

R

R

R

R

R

Automobile Mfg. or Assembling

051255

R

R

R

R

R

R

R

Automobile Parts, Accessories and Supplies

131014

010071

RETL

G

R

G

G

G

G

G

Automobile Parts, Accessories and Supplies - Wholesale

131016

010070

WHLS

G

R

G

G

G

G

G

Automobile Quick Lubrication Services (do not use)

010072

SERV

R

R

Y

Y

Y

G

Y

Automobile Renting or Leasing Cos.

060035

Automobile Repair or Service Shops, NOC

010073

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

909323

SERV

R

R

R

R

R

R

R

R

G

G

G

G

G

G

page 3 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

Y

R

Automobile Repair Shops - Self Service - No Body Repair

010075

Automobile Repair: Air Conditioning Systems

010073

909321

SERV

R

G

G

G

G

G

G

Automobile Repair: Auto Collision Repair

010073

909328

SERV

R

G

G

G

G

G

G

Automobile Repair: Electrical Installation and Repair

010073

909325

SERV

R

G

G

G

G

G

G

Automobile Repair: Glass Installation

010073

909322

SERV

R

G

G

G

G

G

G

Automobile Repair: Quick Lubrication Services

010072

909329

SERV

R

G

G

G

G

G

G

Automobile Repair: Transmission Systems

010073

909326

SERV

R

G

G

G

G

G

G

Automobile Repair: Tune Up and Emissions Testing

010073

909327

SERV

R

G

G

G

G

G

G

Automobile, Bus and Truck Body Mfg.

051250

R

R

R

R

R

R

R

Automobile, Bus or Truck Parts Mfg.-Not Operating Parts

051252

R

R

R

R

R

R

R

Automobile, Bus or Truck Parts Mfg.-Operating Parts

051253

R

R

R

R

R

R

R

Automobile, Bus or Truck Parts Mfg.-Passenger Restraining Devices

051254

R

R

R

R

R

R

R

Automobile, Bus, and Truck Body Mfg.

051250

R

R

R

R

R

R

R

Automobile, Bus, or Truck Parts Mfg.-Brakes or Brake Linings

051251

R

R

R

R

R

R

R

Automobile, Bus, or Truck Parts Mfg.-Not Operating Parts

051252

R

R

R

R

R

R

R

Automobile, Bus, or Truck Parts Mfg.-Operating Parts

051253

R

R

R

R

R

R

R

Baby Food Mfg.

051305

R

R

R

R

R

R

R

Baby Food Mfg.-In Glass Containers

051300

R

R

R

R

R

R

R

Bakery - Limited Cooking - Retail

131018

010100

FOOD

G

R

G

G

G

G

G

Bakery - Limited Cooking - Wholesale

131020

010100

FOOD

G

R

G

G

G

G

G

Bakery - With Cooking - Retail

131022

010100

FOOD

G

R

G

G

G

G

G

Bakery - With Cooking - Wholesale

131024

010100

FOOD

G

R

G

G

G

G

G

Bakery Plants

051315

R

R

Y

Y

Y

G

Y

Bathhouses or Bathing Pavilions

010120

R

R

R

R

R

R

R

Battery Mfg.-Dry Cell

051330

R

R

R

R

R

R

R

Battery Mfg.-Wet Cell or Storage

051333

R

R

R

R

R

R

R

Bazaars-Operated by the Insured-Not-For-Profit Only

010132

R

R

R

R

R

R

R

Bazaars-Operated by the Insured-Other Than Not-For-Profit

010130

R

R

R

R

R

R

R

Beach Chairs and Umbrellas-Rented to Others

010133

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 4 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Beaches - Bathing - Not Commercially Operated

040072

R

R

R

R

R

R

R

Beaches-Bathing-Commercially Operated

010135

R

R

R

R

R

R

R

Bearing Mfg.

051340

R

R

R

R

R

R

R

SERV

G

R

G

G

Y

G

Y

Beauty and Hair Styling Salon

131026

010113

Beauty or Barber Shop Supplies

131028

011234

RETL

G

R

G

G

G

G

G

Beauty or Barber Shop Supplies - Wholesale

131030

010111

WHLS

G

R

Y

Y

G

G

G

Bed and Breakfasts

045210

R

R

R

R

R

R

R

Beer, Ale or Malt Liquor Mfg.-In Bottles

051350

R

R

R

R

R

R

R

Beer, Ale or Malt Liquor Mfg.-In Cans

051351

R

R

R

R

R

R

R

Beer, Ale or Malt Liquor Mfg.-Not Bottled or Canned

051352

R

R

G

G

G

G

G

Beverage - Wholesale - Non-Alcoholic

010141

Beverage - Wholesale - Non-Alcoholic and Beer

G

R

G

G

G

G

G

Beverage Bottler-Soft Drinks-Carbonated-In Cans or Plastic Bottles

051355

R

R

G

G

G

G

G

Beverage Bottler-Soft Drinks-Carbonated-In Glass Bottles

051356

R

R

R

R

R

R

R

Beverage Bottler-Soft Drinks-In Metal Cylinders

051357

R

R

R

R

R

R

R

Beverage Bottler-Soft Drinks-In Paper Containers

051358

R

R

R

R

R

R

R

Beverage Bottler-Soft Drinks-Not Carbonated-In Bottles or Cans

051359

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Beverage Store - Non-Alcoholic and Beer

131032

131034

010141

G

010146

WHLS

RETL

Bicycle Mfg.-Not Motorized

051370

R

R

R

R

R

R

R

Bicycle Stores - Sales and Servicing

010150

R

R

G

R

R

G

R

Bicycles - Rented to Others

010151

R

R

R

R

R

G

R

Billiard or Pool Halls

010160

R

R

R

R

R

G

R

Billiard or Pool Table Mfg.

051380

R

R

R

R

R

R

R

Bingo Games - in Public Halls or Theaters - Commercially Operated

040075

R

R

R

R

R

Y

R

Biofuels Distributors-Ethanol

013206

R

R

R

R

R

R

R

Biofuels Distributors-Other Than Ethanol

013207

R

R

R

R

R

R

R

Biofuels Mfg.-Ethanol

053951

R

R

R

R

R

R

R

Biofuels Mfg.-Other Than Ethanol

053952

R

R

R

R

R

R

R

Blacksmithing

091200

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

SERV

page 5 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Blasting Operations

091210

R

R

R

R

R

R

R

Blood Banks-Not-For-Profit Only

040102

R

R

R

R

R

R

R

Blood Banks-Other Than Not-For-Profit

040101

R

R

R

R

R

R

R

Boarding or Rooming Houses

061000

R

R

R

R

R

R

R

Boat or Ship Building - inboard and inboard/outboard

051400

R

R

R

R

R

R

R

Boat or Ship Building - without motors

051401

R

R

R

R

R

R

R

Boat Dealers

010101

R

R

R

R

R

R

R

Boat Repair And Servicing

091235

R

R

R

R

R

R

R

Boat Storage and Mooring

010105

R

R

R

R

R

R

R

Boat Yards or Marinas

010107

R

R

R

R

R

R

R

Boats - canoes or rowboats - for rent - not equipped with motors

010110

R

R

R

R

R

R

R

Boats - canoes or rowboats - not for rent - not equipped with motors

040111

R

R

R

R

R

R

R

Boats - motor or sail - not for rent

040115

R

R

R

R

R

R

R

Boats - motor or sail - rented to others

010117

R

R

R

R

R

R

R

Boats - non-owned over 26 feet

040140

R

R

R

R

R

R

R

Boats - not for rent

040117

R

R

R

R

R

R

R

Boats - rented to others

010119

R

R

R

R

R

R

R

Boiler Inspection, Installation, Cleaning or Repair

091250

R

R

R

R

R

R

R

Bolt, Nut, Rivet, Screw or Washer Mfg.

051500

R

R

G

G

G

G

G

Book and Magazine Store

10205

retl

G

R

G

G

Y

G

G

051516

SERV

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Bookbinders, Equipment & Supplies

131036

Bookbinding-Not-For-Profit Only

051517

Books and Magazines

131038

010204

RETL

G

R

G

G

G

G

G

Books and Magazines - Wholesale

131040

012362

WHLS

G

R

G

G

G

G

G

Books and Magazines Stores-Not-For-Profit Only

010205

R

R

G

G

G

G

G

Bottle and Jar Mfg.-Glass-for Use under Pressure-Nonreturnable

051551

R

R

R

R

R

R

R

Bottle and Jar Mfg.-Glass-for Use under Pressure-Returnable

051552

R

R

R

R

R

R

R

Bottle and Jar Mfg.-Glass-Not for Use under Pressure

051550

R

R

R

R

R

R

R

Bottle and Jar Mfg.-Plastic-Nonreturnable

051553

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 6 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

Bottle and Jar Mfg.-Plastic-Returnable

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

051554

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Boutiques

131042

018437

RETL

G

R

G

G

G

G

G

Bowling Apparel and Accessories

131044

018206

RETL

G

R

G

G

G

G

G

Bowling Apparel and Accessories - Wholesale

131046

018205

WHLS

G

R

G

G

G

G

G

Bowling Lanes

010220

R

R

R

R

R

G

R

Boxes or Containers Mfg.-Corrugated or Fiberboard

051575

R

R

R

R

R

R

R

Boxes or Containers Mfg.-Wood

051576

R

R

R

R

R

R

R

Brake Installation and Repair

010073

R

G

G

G

G

G

G

Brick Mfg.

909324

R

R

R

R

R

R

R

Bridal and Tuxedo Shop - Retail

131048

051600
011127

RETL

G

R

G

G

G

G

G

Bridal and Tuxedo Shop - Wholesale

131050

011126

WHLS

G

R

G

G

G

G

G
R

Bridge or Elevated Highway Construction-Concrete

091266

R

R

R

R

R

R

Bridge or Elevated Highway Construction-Iron or Steel

091265

R

R

R

R

R

R

R

Brush or Broom Mfg.

051613

R

R

G

G

G

G

G

Building - Lessors Risk - Retail/Mixed Occupancy with Habitational

131064

061212

LSRO

G

R

G

G

Y

G

G

Building - Lessors Risk - Office Only

131060

061212

LSRO

G

R

G

G

Y

G

G

Building - Lessors Risk - Retail/Mixed Occupancy without Habitational

131066

061212

LSRO

G

R

G

G

Y

G

G

Building - Lessors Risk- Office with up to 25% Non Office Occupancy (
no Habitational)

131062

061212

LSRO

G

R

G

G

Y

G

G

USEBPP

061212

G

R

R

R

Y

G

G

Building - Owner Occupied (25% or More Occupied by Owner)
Building or Premises - Bank and other financial institutions

061223

R

R

R

R

R

R

R

Building Material Dealer - Secondhand Material

010256

R

R

R

R

R

Y

R

Building Material Dealers-Other Than Secondhand Material

010255

R

R

Y

Y

Y

Y

Y

Building Structure-Raising or Moving

091280

R

R

R

R

R

R

R

Buildings or Premises-Bank or Office-Mercantile or Mfg. (Lessorðs Risk
Only)-Maintained by the Insured-Not-For-Profit Only

061218

LSRO

R

R

G

G

G

G

G

Buildings or Premises-Bank or Office-Mercantile or Mfg. (Lessorðs Risk
Only)-Maintained by the Insured-Other Than Not-For-Profit

061217

LSRO

R

R

G

G

G

G

G

Buildings or Premises-Bank or Office-Mercantile or Mfg. (Lessorðs Risk
Only)-Not-For-Profit Only

061216

LSRO

R

R

G

G

G

G

G

Buildings or Premises-Office-Not-For-Profit Only

061227

R

R

G

G

G

G

G

Buildings or Premises-Office-Premises Occupied by Employees of the
Insured-Not-For-Profit Only

061225

R

R

G

G

G

G

G

Buildings or Premises-Office-Premises Occupied by Employees of the
Insured-Other Than Not-For-Profit

061224

R

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

OFFC

page 7 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Bus Mfg. or Assembling or Reconstruction

051625

Bus Stations or Terminals

041210

R

R

R

R

R

R

R

Buttons or Fasteners Mfg.

051666

INPR

R

R

G

G

G

G

G

091341

CONT

G

R

Y

Y

Y

G

G

Cabinet Makers and Installers

132001

Cable or Subscription Television Cos.

091315

R

R

R

R

R

R

R

Cable Installation in Conduits or Subways

091302

R

R

G

G

G

G

G

Caisson or Cofferdam Work-Foundations for Buildings

091324

R

R

R

R

R

R

R

Caisson or Cofferdam Work-Not Foundations for Buildings

091325

R

R

R

R

R

R

R

Camera and Photographic Equipment

131068

010309

RETL

G

R

G

G

G

G

G

Camera and Photographic Equipment - Wholesale

131070

010309

WHLS

G

R

Y

Y

G

G

G

Camper or Travel Trailer Sales Agencies

010315

R

R

R

R

R

R

R

Camper Bodies or Camper Trailers Mfg.

051702

R

R

R

R

R

R

R

Campers Mfg.-Self-Powered

051703

R

R

R

R

R

R

R

Campgrounds - Not-For-Profit Only

010332

R

R

R

R

R

R

R

Campgrounds - Other than Not-For-Profit

010331

R

R

R

R

R

R

R

Camps - For-Profit

041421

R

R

R

R

R

R

R

Camps - Not-For-Profit

041422

R

R

R

R

R

R

R

Can Mfg.-Metal

051734

R

R

R

R

R

R

R

Candle Mfg.

R

R

R

R

R

R

R

Candle Shop

131072

051741
013506

RETL

G

R

G

G

G

G

G

Candle Shop - Wholesale

131074

012362

WHLS

G

R

G

G

G

G

G

051752

inpr

R

R

G

G

G

G

G

Candy or Confectionery Products Manufacturing
Candy, Nut or Confectionery Store

131076

010352

RETL

G

R

G

G

G

G

G

Candy, Nut or Confectionery Store - Wholesale

131078

012361

WHLS

G

R

G

G

G

G

G

Car Washes

010367

R

R

Y

Y

Y

G

Y

Car Washes - self-serve

010368

R

R

R

R

R

G

R

Carbon Paper or Inked Ribbon Mfg.

051767

R

R

R

R

R

R

R

Card and Stationery Store

131080

018335

RETL

G

R

G

G

G

G

G

Card and Stationery Store - Wholesale

131082

016005

WHLS

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 8 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Carnival or Circus Cos.

010375

R

R

R

R

R

R

R

Carnivals or Circuses-In Tents (Sponsorðs Risk Only) Not-For-Profit
Only

010381

R

R

R

R

R

R

R

Carnivals or Circuses-In Tents (Sponsorðs Risk Only) Other Than NotFor-Profit

010380

R

R

R

R

R

R

R

Carnivals-Outside (Sponsorðs Risk Only) Not-For-Profit Only

010379

R

R

R

R

R

R

R

Carnivals-Outside (Sponsorðs Risk Only) Other Than Not-For-Profit

010378

R

R

R

R

R

R

R

Carpentry - Construction of Residential Property Not Exceeding Two
and One Half Stories in Height

091340

CONT

R

R

Y

Y

R

G

Y

Carpentry - Interior

091341

CONT

R

R

Y

Y

Y

G

Y

Carpentry Shop Only

091343

CONT

R

R

Y

Y

Y

G

Y

Carpentry, NOC

132002

091342

CONT

G

R

Y

Y

Y

G

G

Carpet and Floor Covering

131084

012805

RETL

G

R

G

G

G

G

G

Carpet and Floor Covering (Retail / Installation Market Segment)

131088

094569

RTIN

G

R

Y

G

G

G

G

Carpet and Floor Covering - Wholesale

131086

012797

WHLS

G

R

Y

G

G

G

G

Carpet and Floor Installation

132003

094569

CONT

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Carpet or Rug Mfg.
Carpet, Rug and Upholstery Cleaning

051777
091404

CONT

G

R

G

G

G

G

G

Carpet, Rug, Furniture or Upholstery Cleaning - On Customers
Premises

091405

CONT

R

R

G

G

G

G

G

Carpet, Rug, Furniture or Upholstery Cleaning - Shop Only

011007

R

R

G

G

G

G

G

Catalog or Premium Coupon Redemption Stores

011020

R

R

R

R

R

R

R

Caterers

011039

R

R

Y

Y

Y

G

Y

Caulking Compounds, Putty, or Similar Products Mfg.

051790

R

R

R

R

R

R

R

Caves-Tourist Attraction

041510

R

R

R

R

R

R

R

G

R

G

G

Y

G

G

Ceiling and Wall Panel Installation

132040

132004

092338

CONT

Ceiling or Wall Installation - Metal

091436

R

R

Y

Y

R

G

Y

Cellophane and Cellophane Products Mfg.

051796

R

R

R

R

R

R

R

G

R

G

G

Y

G

G

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

G

Y

Y

G

Y

R

R

R

R

R

R

R

Cement and Concrete Finishing and Surfacing

132005

091560

Cement or Plaster Mfg.-Bulk

051809

Cement, Concrete Mix or Plaster Mfg.-Packaged

051808

Cemeteries

041603

Cemeteries-Not-For-Profit Only

041604

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

CONT

INST

page 9 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Cemetery Supplies and Monuments

131090

059482

Ceramic, Pottery, China Shop

131092

Ceramic, Pottery, China Shop - Wholesale

131094

Chairs-Rented to Others

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

RETL

R

R

G

G

Y

G

G

013506

RETL

G

R

G

G

G

G

G

012362

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

011052

Charcoal or Coal Briquette Mfg.

R

R

R

R

R

R

R

Cheese Store

131096

051833
011258

RETL

G

R

G

G

G

G

G

Cheese Store - Wholesale

131098

012361

WHLS

G

R

G

G

G

G

G

Chemical Distributors

011101

R

R

R

R

R

R

R

Chemical Mfg.-Commercial or Industrial

051850

R

R

R

R

R

R

R

Chemical Mfg.-Commercial or Industrial-Primarily Flammable, Explosive
or Reactive

051852

R

R

R

R

R

R

R

Chemical Mfg.-Commercial or Industrial-Primarily Toxic or Presenting a
Health Hazard

051853

R

R

R

R

R

R

R

Chemical Mfg.-Commercial or Industrial-Toxic and Either Flammable,
Explosive or Reactive

051851

R

R

R

R

R

R

R

Chemical Mfg.-Household

051855

R

R

R

R

R

R

R

Chemical Mfg.-Household-Primarily Flammable, Explosive or Reactive

051856

R

R

R

R

R

R

R

Chemical Mfg.-Household-Primarily Toxic or Presenting a Health
Hazard

051857

R

R

R

R

R

R

R

Chemical Mfg.-Household-Toxic and Either Flammable, Explosive or
Reactive

051854

R

R

R

R

R

R

R

Chimney Cleaning

091481

R

R

R

R

R

Y

R

China, Porcelain or Earthenware Mfg.

051869

R

R

G

G

G

G

G

Christmas Tree Lots

018437

R

R

R

R

R

G

R

Churches or Other Houses of Worship

041650

R

R

R

R

R

R

R

Clay or Shale Digging

091507

R

R

R

R

R

R

R

Clay Products Mfg.

051877

R

R

R

R

R

R

R

Cleaning - Outside Surfaces of Building

091523

R

R

R

R

R

Y

R

Clock and Watch Store

131100

014655

RETL

G

R

G

G

G

G

G

Clock and Watch Store - Wholesale

131102

012362

WHLS

G

R

G

G

G

G

G

051889

INPR

R

R

G

G

G

G

G

055802

SERV

G

R

G

G

G

G

G

R

R

Y

Y

Y

G

Y

R

R

Y

Y

Y

G

Y

Clock Mfg.
Clock, Watch, and Jewelry Repair

131104

Clothing or Wearing Apparel Distributors

011126

Clothing or Wearing Apparel Stores

011127

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

MERC

page 10 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Clothing or Wearing Apparel Stores-Not-For-Profit Only

011128

Clothing Manufacturing

051896

Clothing Repair Shops/Tailors

018506

Clothing Repair Shops/Tailors

131106

051896

Auto
Repair
Class
Code

Market
Segment

INPR

SERV

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

R

R

G

G

G

G

G

G

R

G

G

G

G

G

G

R

G

G

G

G

G

R

R

Y

R

R

Y

R

Clubs - Civic, Service or Social - Having Buildings or Premises Owned
or Leased

041667

Clubs - Country or Golf

011138

R

R

Y

Y

Y

G

Y

Clubs - Racquet Sports and Handball

041665

R

R

R

R

R

G

R

Clubs Civic, Service or Social - No Buildings or Premises Owned or
Leased Except for Office Purposes

041669

R

R

Y

R

R

Y

R

Clubs-Civic, Service or Social-Having Buildings or Premises Owned or
Leased-Not-For-Profit Only

041668

R

R

R

R

R

R

R

Clubs-Civic, Service or Social-No Buildings or Premises Owned or
Leased Except For Office Purposes-Not-For-Profit Only

041670

R

R

R

R

R

R

R

Clubs-Civic, Service, or Social-No Buildings or Premises Owned or
Leased Except for Office Purposes-Not-For-Profit Only

041670

R

R

R

R

R

R

R

Clubs-Horseback Riding-No Commercial Riding Instructions

041664

R

R

R

R

R

R

R

Clubs-Swimming

041666

R

R

R

R

R

R

R

SERV

Coffee Shop

131108

018435

FOOD

G

R

G

G

G

G

G

Coffee, Tea or Spice

131110

018435

RETL

G

R

G

G

G

G

G

Coffee, Tea or Spice - Wholesale

131112

012361

WHLS

G

R

G

G

G

G

G
G

Coffins or Caskets Mfg.

051900

R

R

G

G

G

G

Coke Mfg.

051909

R

R

R

R

R

R

R

Collectibles and Memorabilia Stores

011155

R

R

G

G

G

G

G

Color or Pigment Preparation

051919

R

R

R

R

R

R

R

Commissary Work

091547

R

R

R

R

R

R

R

Communication or Recording Systems or Equipment Mfg.-Industrial or
Commercial

051926

R

R

R

R

R

R

R

Communication or Recording Systems or Equipment Mfg.-Other Than
Industrial or Commercial

051927

R

R

R

R

R

R

R

Communication Equipment Installation-Industrial or Commercial

091551

R

R

R

R

R

R

R

Community Recreational Facilities - Not Operated by a Governmental
Agency

041678

R

R

R

R

R

R

R

Composition Goods Mfg.-Not Floor Coverings

051934

R

R

R

R

R

R

R

Computer Data Processing-Operations

043151

R

R

R

R

R

R

R

Computer Data Processing-Time Sharing

043152

R

R

R

R

R

R

R

Computer Mfg.

051941

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 11 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

Computer Service or Repair

MAP
Class
Code

ISO
GLClass
Code

131114

091555

Computer Software Mfg.-Pre-Packaged

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

SERV

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Computer Store

131116

011160

RETL

G

R

G

G

G

G

G

Computer Store - Wholesale

131118

012362

WHLS

G

R

G

Y

G

G

G

Concessionaire - Limited Cooking (in building)

131120

016819

FOOD

G

R

G

G

G

G

G

Concessionaire - With Cooking (in building)

131122

016819

FOOD

G

R

G

G

G

G

G

Concessionaires-Checkroom, Shoeshine, or Toilet Concessions in
Hotels, Restaurants, Railroad Stations, etc.

011167

SERV

R

R

G

G

G

G

G

Concrete - Mixed in Transit

051956

R

R

G

G

R

Y

G

Concrete or Cement Distributing Towers-Rented to Others-Installation,
Repair, or Removal Operations Only

091562

R

R

R

R

R

R

R

Concrete or Plaster Products Manufacturing - Not Structural

051957

R

R

Y

Y

Y

Y

Y

Concrete Construction

051942

G

R

Y

Y

Y

G

G

Concrete Products Manufacturing - Prestressed

051958

R

R

R

R

R

Y

R

Concrete Products Manufacturing - Structural

051959

R

R

R

R

R

Y

R

Condominium - Residential (Association Risk Only)

062003

R

R

R

R

R

Y

R

Condominiums-Commercial Shopping Centers (Association Risk Only)

062001

R

R

R

R

R

R

R

Condominiums-Commercial Warehouses-Mfg. or Private (Association
Risk Only)

062002

R

R

R

R

R

R

R

Condominiums-Commercial-Bank or Mercantile, Mfg. or Office
(Association Risk Only)

062000

R

R

R

R

R

R

R

Conduit Construction for Cables or Wires

091577

R

R

R

R

R

R

R

Construction or Project Manager

041620

R

R

R

R

R

R

R

Contact Lenses Mfg.

051960

R

R

R

R

R

R

R

Contractors

094444

R

R

R

R

R

R

R

Contractors Equipment - cranes, derricks, power shovels and
equipment incidental thereto - rented to others with operators

011201

R

R

R

R

R

R

R

Contractors Equipment - cranes, derricks, power shovels and
equipment incidental thereto - rented to others without operators

011202

R

R

R

R

R

R

R

Contractors Equipment - earth moving equipment other than cranes,
derricks and power shovels - rented to others with operators

011205

R

R

R

R

R

R

R

Contractors Equipment - earth moving equipment other than cranes,
derricks and power shovels - rented to others without operators

011206

R

R

R

R

R

R

R

Contractors Equipment - excluding automobiles - rented to others with
operators

011207

R

R

R

R

R

R

R

Contractors Equipment - excluding automobiles - rented to others
without operators

011208

R

R

R

R

R

R

R

Contractors Equipment - hod or material platform hoists and equipment
incidental thereto - rented to others with operators

011209

R

R

R

R

R

R

R

Contractors Equipment - hod or material platform hoists and equipment
incidental thereto - rented to others without operators

011210

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

132006

091560

CONT

page 12 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Contractors Equipment - ladders, scaffolds, scaffolding, sidewalk
bridges, towers and equipment incidental thereto - rented to others

011211

R

R

R

R

R

R

R

Contractors Equipment - scaffolds, sidewalk bridges, hod or material
hoists towers - rented to others - installation, repair or removal
operations only

011212

R

R

R

R

R

R

R

Contractors Equipment - steam boilers, compressors, air pressure
tanks, pneumatic tools and equipment incidental thereto - rented to
others with operators

011213

R

R

R

R

R

R

R

Contractors Equipment - steam boilers, compressors, air pressure
tanks, pneumatic tools and equipment incidental thereto - rented to
others without operators

011214

R

R

R

R

R

R

R

Contractors Equipment Dealers-Ladders, Excluding Hoists, Scaffolds or
Towers

011203

R

R

R

R

R

R

R

Contractors Equipment Dealers-Ladders, Hoists, Scaffolds or Towers

011204

R

R

R

R

R

R

R

Contractors Executive Supervisors or Executive Superintendents

091580

R

R

G

R

R

G

R

Contractors Permanent Yard - Maintenance or Storage of Equipment or
Material

091590

R

R

G

G

Y

R

G

Convenience Store (No Gas)

013673

R

R

R

R

R

R

R

Convenience Store (With Gas)

013455

R

R

R

R

R

R

R

Conventions (Sponsorðs Risk Only)-Not-For-Profit Only

041673

R

R

R

R

R

R

R

Conventions (Sponsorðs Risk Only)-Other Than Not-For-Profit

041672

R

R

R

R

R

R

R

Convents or Monasteries

041680

R

R

R

R

R

R

R

CONT

Copying and Duplicating Service

131124

011222

SERV

G

R

G

G

G

G

G

Cosmetic Store

131126

011234

RETL

G

R

G

G

G

G

G

Cosmetics - Wholesale

131128

042499

WHLS

G

R

G

G

G

G

G

Cosmetics Mfg.

051970

R

R

R

R

R

R

R

Cotton or Wool Merchants

011248

R

R

R

R

R

R

R

Cotton Batting, Wadding or Waste Mfg.

051982

R

R

R

R

R

R

R

Cotton Batting, Wadding, or Waste Mfg.

051982

R

R

R

R

R

R

R

Cotton Compressing

051985

R

R

R

R

R

R

R

Cotton Gin Operations

051986

R

R

R

R

R

R

R

Cotton Gin Operations-Other Than Those Performed for a Fee Per Bale

041679

R

R

R

R

R

R

R

Craft Breweries, Microbreweries

051352

R

R

G

G

G

G

G

Crematories

041696

R

R

R

R

R

R

R

Crematories-Not-For-Profit Only

041697

R

R

R

R

R

R

R

Crop Spraying-By Contractors

091606

R

R

R

R

R

R

R

R

R

R

R

R

R

R

G

R

Y

Y

R

G

G

Cutlery (Not Powered) and Flatware Mfg.
Dairy Products - Wholesale

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

INPR

051999
131130

011258

WHLS

page 13 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

Dairy Products or Butter and Egg Stores-Not-For-Profit Only

131132

Dam or Reservoir Construction

Market
Segment

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

INPR

R

R

G

G

G

G

G

011258

RETL

G

R

Y

Y

R

G

G

R

R

R

R

R

R

R

041700
131134

MAP
Symbol

052002

091618

Dam, Levee or Dike-Existence Hazard Only
Dance Clothing and Supplies

Auto
Repair
Class
Code

011259

Dairy Products Manufacturing
Dairy Products Store

ISO
GLClass
Code

011127

RETL

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Dance Halls, Ballrooms or Discotheques-Not-For-Profit Only

011274

R

R

R

R

R

R

R

Dance Halls, Ballrooms or Discotheques-Other Than Not-For-Profit

011273

R

R

R

R

R

R

R

Day Care Centers

041715

R

R

Y

R

R

R

R

Day Care Centers-Not-For-Profit Only

041716

R

R

R

R

R

R

R

SERV

G

R

Y

Y

Y

G

Y

Day Spa

131136

Debris Removal-Construction Site

018200

R

R

Y

Y

Y

Y

Y

Delicatessen/Sandwich Shop - Limited Cooking

131138

091629
011288

FOOD

G

R

G

G

G

G

G

Delicatessen/Sandwich Shop - With Cooking

131140

011288

FOOD

G

R

G

G

G

G

G

Dental Laboratory

131142

012014

SERV

G

R

G

G

Y

G

G

Dental Laboratory - Wholesale

131144

012014

WHLS

G

G

R

G

G

Y

G

Department or Discount Stores

012356

R

R

Y

Y

Y

Y

Y

Detective or Investigative Agencies-Private

091636

R

R

R

R

R

R

R

Detergent Mfg.-Household

052075

R

R

R

R

R

R

R

Detergent Mfg.-Other Than Household

052076

R

R

R

R

R

R

R

Dextrine Mfg.

052109

R

R

R

R

R

R

R

G

R

G

G

Y

G

G

Diagnostic Testing Laboratory

131146

046112

SERV

Die Casting Mfg.

052137

R

R

R

R

R

R

R

Dike, Levee or Revetment Construction

091641

R

R

R

R

R

R

R

Distillation or Extraction

052150

R

R

R

R

R

R

R

Distributors - Food or Drink, NOC

012361

R

R

Y

Y

Y

G

Y

Distributors - NO Food/Drink, NOC

012362

R

R

Y

Y

Y

G

Y

Diving-Marine

091666

R

R

R

R

R

R

R

Dock Operations-Coal, Grain or Ore

091722

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 14 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

Door and Window Erection

MAP
Class
Code

ISO
GLClass
Code

132007

091746

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

CONT

G

R

G

G

Y

G

G
G

Door or Window Mfg.-Other Than Wood

052134

R

R

G

G

G

G

Door or Window Mfg.-Wood

052315

INPR

R

R

R

R

R

G

R

Door, Window or Assembled Millwork - Dealer

131148

014279

RETL

G

R

G

G

G

G

G

Door, Window or Assembled Millwork - Wholesale

131150

014279

WHLS

G

R

G

G

G

G

G

Drawbridges-Existence Hazard Only

043007

R

R

R

R

R

R

R

Dredging

092055

R

R

R

R

R

R

R

Dredging-Gold-Endless Bucket or Ladder Type

092053

R

R

R

R

R

R

R

Dredging-Gold-Floating Dragline Type
Drilling - Water

092054
132008

Drilling-Other Than Water
Driveway, Parking Area or Sidewalk - Paving or Repaving

092102

CONT

092101

R

R

R

R

R

R

R

Y

Y

Y

G

G

R

R

R

R

R

R

R

092215

CONT

G

R

G

G

G

G

G

Drug Distributors

012373

MERC

R

R

R

R

R

Y

R

Drug Mfg.-Biological Products

052341

R

R

R

R

R

R

R

R

R

Y

R

R

R

R

Drug Store

132009

R
G

131152

012375

RETL

Drug, Medicine or Pharmaceutical Preparations Mfg.-for Animal Use

052342

R

R

R

R

R

R

R

Drug, Medicine or Pharmaceutical Preparations Mfg.-Other Than for
Animal Use

052343

R

R

R

R

R

R

R

Drugstores-No Table or Counter Service for Beverage or Food

012374

R

R

R

R

R

R

R

Drums or Containers Mfg.-Metal

052401

R

R

R

R

R

R

R

Drums or Containers Mfg.-Plastic
Drywall Installation

052402
132010

092338

CONT

R

R

R

R

R

R

R

G

R

Y

Y

R

Y

G

Dude Ranches

043117

R

R

R

R

R

R

R

Dwellings - Four Family - Lessors Risk Only

063013

R

R

R

R

R

Y

R

Dwellings - One Family - Lessors Risk Only

063010

R

R

R

R

R

Y

R

Dwellings - Three Family - Lessors Risk Only

063012

R

R

R

R

R

Y

R

Dwellings - Two Family - Lessors Risk Only

063011

R

R

R

R

R

Y

R

Electric Light or Power Cooperatives-Rural Utilities Service Projects
Only

092453

R

R

R

R

R

R

R

Electric Light or Power Cos.

092445

R

R

R

R

R

R

R

Electric Light or Power Line Construction

092446

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

HABT

page 15 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

Electric Light or Power Line Construction-Rural Utilities Service Projects
Only

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

RETL

G

R

G

G

G

G

G

092447

Electrical and Lighting Store

131154

018437

Electrical and Lighting Store (Retail / Installation Market Segment)

131158

092478

RTIN

G

R

G

G

G

G

G

Electrical and Lighting Store - Wholesale

131156

012391

WHLS

G

R

G

G

G

G

G

R

R

G

Y

Y

G

Y

Electrical Apparatus Installation, Servicing or Repair, NOC

092451

Electrical Equipment and Supplies

131160

012393

RETL

G

R

G

G

G

G

G

Electrical Equipment and Supplies (Retail / Installation Market
Segment)

131164

092541

RTIN

G

R

G

G

G

G

G

Electrical Equipment and Supplies - Wholesale

131162

012391

WHLS

G

R

G

G

G

G

G

Electrical Equipment Mfg.-for Direct and Indirect Application to the Body

052433

R

R

R

R

R

R

R

Electrical Equipment Mfg.-Other Than for Direct and Indirect Application
to the Body

052432

R

R

R

R

R

R

R

Electrical Generating Machinery Mfg.

052435

R

R

R

R

R

R

R

Electrical Parts, Components or Accessories Mfg.

052438

R

R

G

G

G

G

G

Electrical Power Distribution or Transmission Equipment Mfg.

052440

R

R

R

R

R

R

R

Electrical Wire or Cable Mfg.

052467

R

R

R

R

R

R

R

Electrical Wiring

G

R

G

G

G

G

G

Electronic Components Mfg.

052469

R

R

R

R

R

R

R

Electronic Games Mfg.

052505

R

R

R

R

R

R

R

SERV

G

R

G

G

G

G

G

Electronic Repair

132012

131166

092478

099650

CONT

Electroplating

052547

INPR

R

R

R

R

R

G

R

Elevator or Escalator Inspecting, Installation, Servicing or Repair

092593

CONT

R

R

R

R

R

G

R

Elevator Mfg.

052581

R

R

R

R

R

R

R

Engine or Turbine Mfg.-Not Aircraft
Engraving

052619
131168

052660

SERV

R

R

R

R

R

R

R

G

R

G

G

Y

G

G

Entertainment Performed on Others Premises

043215

R

R

R

R

R

R

R

Escalator or Moving Sidewalk Mfg.

052744

R

R

R

R

R

R

R

Event, Party or Wedding Planners

044280

R

R

G

G

G

G

G

Excavation

094007

R

R

Y

Y

Y

Y

Y

Exercise or Playground Equipment Mfg.

052767

R

R

R

R

R

R

R

Exhibition or Convention Buildings-Not-For-Profit Only

063216

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

CONT

page 16 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Exhibition or Convention Buildings-Other Than Not-For-Profit

063215

R

R

R

R

R

R

R

Exhibitions-In Buildings-No Admission Charged-Not-For-Profit Only

063220

R

R

R

R

R

R

R

Exhibitions-In Buildings-No Admission Charged-Other Than Not-ForProfit

063219

R

R

R

R

R

R

R

Exhibitions-In Buildings-Not-For-Profit Only

063218

R

R

R

R

R

R

R

Exhibitions-In Buildings-Other Than Not-For-Profit

063217

R

R

R

R

R

R

R

Exhibitions-Outside-In Stadiums or on Premises Having Grandstands or
Bleachers Not Erected by or for the Insured-Ushers or Other Attendants
in Stands Not Provided by the

043421

R

R

R

R

R

R

R

Exhibitions-Outside-In Stadiums or on Premises Having Grandstands or
Bleachers Not Erected by or for the Insured-Ushers or Other Attendants
in Stands Provided by the Insu

043422

R

R

R

R

R

R

R

Exhibitions-Outside-No Stadiums or Grandstands

043424

R

R

R

R

R

R

R

Explosive or Fireworks Mfg.

052876

R

R

R

R

R

R

R

Express Cos.

094099

R

R

R

R

R

R

R

Extracts Mfg.

052911

R

R

R

R

R

R

R

Eye Glass Lens Mfg.

052967

R

R

R

R

R

R

R

Fabric and Yarn

131170

012510

RETL

G

R

G

G

G

G

G

Fabric and Yarn - Wholesale

131172

012509

WHLS

G

R

G

G

G

G

G

Fair Grounds-Nonoperating Season

043517

R

R

R

R

R

R

R

Fairs-Outside (Operatorðs Risk Only)

043518

R

R

R

R

R

R

R

Farm - vegetables, melons, tree nuts, insect farming - not owner
operated

003519

R

R

R

R

R

G

R

Farm - vegetables, melons, tree nuts, insect farming - owner operated

003518

R

R

R

R

R

G

R

Farm - Grain or other field crops - not owner operated

006519

R

R

R

R

R

G

R

Farm - Grain or other field crops - owner operated

006518

R

R

R

R

R

G

R

Farm - Livestock, Horses and other animals - not owner operated

001519

R

R

R

R

R

G

R

Farm - Livestock, Horses and other animals - owner operated

001518

R

R

R

R

R

G

R

Farm - Poultry or Dairy - not owner operated

002519

R

R

R

R

R

G

R

Farm - Poultry or Dairy - owner operated

002518

R

R

R

R

R

G

R

Farm Machinery Operations-By Contractors

094225

R

R

R

R

R

R

R

Feed Manufacturing, NOC

053001

R

R

R

R

R

Y

R

Feed, Grain or Hay Dealers

012583

R

R

R

R

R

Y

R

Fence Dealer

131174

012651

RETL

G

R

G

G

G

G

G

Fence Dealer (Retail / Installation Market Segment)

131178

092476

RTIN

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 17 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Fence Dealer - Wholesale

131176

Fence Installation

132013

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

012651

WHLS

G

R

G

G

G

G

G

094276

CONT

G

R

Y

Y

Y

G

G

Fertilizer Mfg.

053077

R

R

R

R

R

R

R

Fiber Mfg.-Other Than Synthetic

053095

R

R

R

R

R

R

R

Fiber Mfg.-Synthetic

053096

R

R

R

R

R

R

R

Fiberglass Mfg.

053121

R

R

R

R

R

R

R

Fire Departments - Volunteer

043551

R

R

R

R

R

R

R

Fire Departments-Other Than Volunteer

043550

R

R

R

R

R

R

R

Fire Extinguishers Mfg.

053147

R

R

R

R

R

R

R

Fire Extinguishers-Servicing, Refilling, or Testing

094304

R

R

R

R

R

G

R

Fire Protection Equipment Dealers and Distributors

012707

R

R

R

R

R

G

R

Fire Suppression Systems Mfg.

053229

R

R

R

R

R

R

R

Fire Suppression Systems-Installation, Servicing or Repair

094381

R

R

R

R

R

G

R

Firearms Mfg.

053271

R

R

R

R

R

R

R

Fireproofing-Structures

094404

R

R

R

R

R

R

R

Fireworks Exhibitions-Contractorðs Risk Only

043626

R

R

R

R

R

R

R

Fireworks Exhibitions-Sponsorðs Risk Only-Not-For-Profit Only

043629

R

R

R

R

R

R

R

Fireworks Exhibitions-Sponsorðs Risk Only-Other Than Not-For-Profit

043628

R

R

R

R

R

R

R

Fishing Piers

043754

R

R

R

R

R

R

R

Fishing Ponds or Lakes-Commercially Operated

043760

R

R

R

R

R

R

R

Floor Covering Distributors

012797

G

R

G

G

G

G

G

Floor Covering Mfg.-Not Carpets, Rugs, Ceramic or Stone Tiles

053333

R

R

R

R

R

R

R

Floor Waxing

MERC

R

R

R

R

R

R

R

012841

RETL

G

R

G

G

G

G

G

Food Products Manufacturing - dry

053374

INPR

R

R

G

G

G

G

G

Food Products Manufacturing - frozen

053375

INPR

R

R

G

G

G

G

G

Food Products Manufacturing - not dry - in glass containers

053376

R

R

Y

Y

R

G

Y

Food Products Manufacturing - not dry - in other than glass containers

053377

R

R

Y

Y

R

G

Y

Forestry Service

043822

R

R

R

R

R

R

R

Florist

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

094590
131180

2099

page 18 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

Forging Work
Formal Wear or Costumes - Rented To Others

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

053403
131182

012927

RETL

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

G

R

G

G

G

G

G

R

R

R

R

R

R

R

R

R

Y

Y

R

R

R

Foundries

053425

Freight Forwarders or Handlers-Other Than Packing, Handling or
Shipping Explosives or Ammunition under Contract

094617

Freight Forwarders or Handlers-Packing, Handling or Shipping
Explosives or Ammunition under Contract

094638

R

R

R

R

R

R

R

Frozen Food Distributors

013049

R

R

Y

Y

Y

G

Y

Fruit or Vegetable Juice Mfg.-No Bottling of Carbonated Beverages

053565

R

R

G

G

G

G

G

Fruit or Vegetable-Harvesting Contractors

043840

R

R

R

R

R

R

R

INPR

Fruit, Vegetable and Produce

131184

013111

RETL

G

R

G

G

G

Y

G

Fruit, Vegetable and Produce - Wholesale

131186

013112

WHLS

G

R

G

G

G

Y

G

Fuel Dealers or Distributors - Coal or Wood

013201

R

R

R

R

R

R

R

Fuel Oil or Kerosene Distributors

013205

R

R

R

R

R

R

R

Fuel Oil Or Kerosene Dealers

013204

R

R

R

R

R

R

R

Fumigating
Funeral Home

043860
131188

043889

SERV

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Fur or Pelt Processing

053632

R

R

R

R

R

R

R

Fur Garment Mfg.

053631

R

R

R

R

R

R

R

Fur-Garments and Pelts-Distributors

013314

R

R

R

R

R

Y

R

Furniture or Fixtures - Installation in Offices or Stores - Portable - Metal
or Wood

095124

R

R

G

G

Y

G

G

Furniture or Woodwork Stripping, Refinishing or Repairing - Shop Only

053734

R

R

R

R

R

G

Y

Furniture Manufacturing or Assembling - Infants

053731

R

R

R

R

R

Y

R

Furniture Manufacturing or Assembling - Other Than Wood

053732

R

R

Y

Y

R

Y

Y

Furniture Manufacturing or Assembling - Wood

053733

R

R

Y

Y

R

Y

Y

G

R

G

G

Y

G

G

Furniture Store

131190

013351

MERC

RETL

Furniture Stores-Not-For-Profit Only

013352

R

R

R

R

R

R

R

Galvanizing or Tinning

053803

R

R

R

R

R

R

R

Gambling-Casinos

043990

R

R

R

R

R

R

R

Gambling-Incidental to Other Operations

043991

R

R

R

R

R

R

R

Garbage or Refuse Dumps

043945

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 19 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Garbage Works-Separation for Recycling, Reduction or Incineration

043946

Garbage, Ash or Refuse Collecting

095233

R

R

Y

R

R

R

R

Gas Cos.

095305

R

R

R

R

R

R

R

Gas Cos.-Natural Gas-Local Distribution

095306

R

R

R

R

R

R

R

Gas Dealers or Distributors

013411

R

R

R

R

R

R

R

Gas Dealers-LPG

013410

R

R

R

R

R

R

R

Gas Distributors-LPG

013412

R

R

R

R

R

R

R

Gas Mains or Connections Construction

095310

R

R

R

R

R

R

R

Gas Mfg.-Inert

053902

R

R

R

R

R

R

R

Gas Mfg.-Other

053903

R

R

R

R

R

R

R

Gas Mfg.-Primarily Flammable, Explosive or Reactive

053904

R

R

R

R

R

R

R

Gas Mfg.-Primarily Toxic or Presenting a Health Hazard

053905

R

R

R

R

R

R

R

Gas Mfg.-Toxic and Either Flammable, Explosive or Reactive

053901

R

R

R

R

R

R

R

Gasoline or Oil Supply Station - Retail - Lessors Risk Only

044009

R

R

R

R

R

R

R

Gasoline Distributors

053907

R

R

R

R

R

R

R

Gasoline Recovery-from Casing Head or Natural Gas

044010

R

R

R

R

R

R

R

Gasoline Station - Full Service

013453

SERV

R

R

R

R

R

Y

R

Gasoline Station - Self and Full Service Combined

013455

SERV

R

R

R

R

R

Y

R

Gasoline Station - Self Service

013454

SERV

R

R

R

R

R

Y

R

Gemstone Cutting or Polishing

054012

R

R

R

R

R

R

R

Geophysical Exploration-Other

095357

R

R

R

R

R

R

R

Geophysical Exploration-Seismic Method

095358

R

R

R

R

R

R

R

Gift Shops-Not-For-Profit Only

INPR

R

R

R

R

R

R

R

Gift, Souvenir or Novelty Store

131192

013507
013506

RETL

G

R

G

G

G

G

G

Gift, Souvenir or Novelty Store - Wholesale

131194

012362

WHLS

G

R

G

G

G

G

G

Glass or Glassware Mfg.

R

R

R

R

R

R

R

Glass or Mirror Store - (No Auto Glass)

131196

013590

RETL

G

R

G

G

G

G

G

Glass or Mirror Store - No Auto Glass (Retail / Installation Market
Segment)

131198

238150

RTIN

G

R

G

G

G

G

G

Glass or Mirror Store - Wholesale (No Auto Glass)

131200

012362

WHLS

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

054077

page 20 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

Glaziers

MAP
Class
Code

ISO
GLClass
Code

132015

013590

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

CONT

G

R

G

G

G

G

G
R

Golf Courses - Miniature

044069

R

R

R

R

R

Y

Golf Courses - Municipal or Public - Not Golf or Country Clubs

044070

R

R

Y

Y

Y

G

Y

Golf Driving Ranges

044071

R

R

G

G

Y

G

G

Golf Equipment and Supplies

131202

018206

RETL

G

R

G

G

G

G

G

Golf Equipment and Supplies - Wholesale

131204

018205

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

G

R

Y

Y

G

G

G

Golfmobiles - Loaned or Rented to Others
Gourmet and Specialty Food

044072
131206

018435

RETL

Governmental Subdivision - not state or federal - counties or parishes
population over 250000

044113

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - counties or parishes
population under 10000

044108

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - counties or parishes
population 100001-250000

044112

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - counties or parishes
population 10001-25000

044109

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - counties or parishes
population 25001-50000

044110

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - counties or parishes
population 50001-100000

044111

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population over 250000

044106

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 100001-250000

044105

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 10001-25000

044102

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 2500

044100

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 25001-50000

044103

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 2501-10000

044101

R

R

R

R

R

R

R

Governmental Subdivision - not state or federal - municipalities
population under 50001-100000

044104

R

R

R

R

R

R

R

Grading of Land

095410

R

R

Y

Y

Y

Y

Y

Grain Elevator Operations

095455

R

R

R

R

R

R

R

Grain Milling

013621

R

R

R

R

R

R

R

Grandstands or Bleachers-Not-For-Profit Only

044194

R

R

R

R

R

R

R

Grandstands or Bleachers-Other Than Not-For-Profit

044193

R

R

R

R

R

R

R

Greenhouse Erection

095487

R

R

R

R

R

R

R

Grocery - Wholesale
Grocery
Risk Appetite
GuideStores,
- Quick NOC
Reference (All States)
062017 - Proprietary & Confidential

131208

013670

WHLS

Y

R

Y

Y

Y

Y

Y

013673

MERC

R

R

Y

Y

Y

Y

Y
page 21 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Guides or Outfitters

044222

R

R

R

R

R

R

R

Guniting or Shot-Crete

095505

R

R

R

R

R

R

R

Gunsmiths

095620

R

R

R

R

R

Y

R

Halls

044276

R

R

R

R

R

Y

R
R

Halls-Not-For-Profit Only

R

R

R

R

R

R

Handyman

132016

044277
095625

CONT

G

R

Y

Y

Y

G

R

Hardware - Wholesale

131210

013715

WHLS

G

R

G

G

G

Y

G

Hardware Store

131212

013716

RETL

G

R

G

G

G

G

G

Hazardous Material Contractors

095630

R

R

R

R

R

R

R

Health or Exercise Clubs

044311

SERV

R

R

R

R

R

Y

R

Health or Exercise Facilities - Commercially Operated

044315

SERV

R

R

R

R

R

Y

R

Health or Natural Food Stores

013720

R

R

Y

R

R

G

R

Health Care Facilities - alcohol and drug - other than not-for-profit

044427

R

R

R

R

R

R

R

Health Care Facilities - alcohol and drug - Not-for-profit only

044428

R

R

R

R

R

R

R

Health Care Facilities - clinics, dispensaries or infirmaries treating
outpatients only - no regular bed and board facilities - other than NotFor-Profit

044439

R

R

R

R

R

R

R

Health Care Facilities - clinics, dispensaries or infirmaries treating
outpatients only - no regular bed and board facilities - Not-For-Profit
only

044440

R

R

R

R

R

R

R

Health Care Facilities - convalescent or nursing homes - not mental psychopathic institutions - other than Not-For-Profit

044429

R

R

R

R

R

R

R

Health Care Facilities - convalescent or nursing homes - not mental psychopathic institutions - Not-For-Profit only

044430

R

R

R

R

R

R

R

Health Care Facilities - homes for the aged - other than Not-For-Profit

044431

R

R

R

R

R

R

R

Health Care Facilities - homes for the aged - Not-For-Profit only

044432

R

R

R

R

R

R

R

Health Care Facilities - homes for the physically handicapped or
orphaned - other than Not-For-Profit

044433

R

R

R

R

R

R

R

Health Care Facilities - homes for the physically handicapped or
orphaned - Not-For-Profit only

044434

R

R

R

R

R

R

R

Health Care Facilities - hospitals - other than Not-For-Profit

044435

R

R

R

R

R

R

R

Health Care Facilities - hospitals - Not-For-Profit only

044436

R

R

R

R

R

R

R

Health Care Facilities - mental - psychopathic institutions - other than
Not-For-Profit

044437

R

R

R

R

R

R

R

Health Care Facilities - mental - psychopathic institutions - Not-ForProfit only

044438

R

R

R

R

R

R

R

Heating or Combined Heating and Air Conditioning Systems or
Equipment-Dealers or Distributors and Installation, Servicing or Repair

095648

R

R

G

G

G

G

G

Heating Equipment Mfg.-Coal or Wood

055010

R

R

R

R

R

R

R

Heating Equipment Mfg.-Electric

055011

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 22 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Heating Equipment Mfg.-Fuel Oil or Kerosene

055012

R

R

R

R

R

R

R

Heating Equipment Mfg.-Gas or Liquefied Petroleum Gas

055013

R

R

R

R

R

R

R

Hide Dealers and Distributors-Raw

014068

R

R

R

R

R

R

R

Hobby, Craft or Artists' Supply

131214

014101

RETL

G

R

G

G

G

G

G

Hobby, Craft or Artists' Supply - Wholesale

131216

012362

WHLS

G

R

G

G

G

G

G

Home Furnishings - Wholesale

131218

012362

WHLS

G

R

G

G

G

G

G

Home Furnishings Store

131220

018437

RETL

G

R

G

G

G

G

G

Home Furnishings Store (Retail / Installation Market Segment)

131222

541410

RTIN

G

R

G

G

G

G

G

Home Health Care Services-Not-For-Profit Only

044500

R

R

R

R

R

R

R

Home Health Care Services-Other Than Not-For-Profit

044501

R

R

R

R

R

R

R

Hone, Oilstone or Whetstone Mfg.

055214

R

R

R

R

R

R

R

Hone, Oilstone, or Whetstone Mfg.

055214

R

R

R

R

R

R

R

Honey Extracting

055371

R

R

G

G

G

G

G

Hotels and Motels - with Pools or Beaches - Less than 4 Stories

045190

R

R

R

R

R

R

R

Hotels and Motels - with Pools or Beaches - More than 4 Stories

045191

R

R

R

R

R

R

R

Hotels and Motels - without Pools or Beaches - Less than 4 Stories

045192

R

R

R

R

R

R

R

Hotels and Motels - without Pools or Beaches - More than 4 Stories

045193

R

R

R

R

R

R

R

Hotels and Motels - Less than 4 Stories - Lessors Risk Only

064074

R

R

R

R

R

R

R

Hotels and Motels - More than 4 Stories - Lessors Risk Only
Household Furnishings Installation and Repair

INPR

064075
132017

096053

CONT

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Housing Projects-Federal, State, Local

064500

R

R

R

R

R

R

R

Hunting Preserves

045224

R

R

R

R

R

R

R

Hunting Preserves-Not-For-Profit Only

R

R

R

R

R

R

R

Ice Cream and Yogurt Store

131224

045225
014401

FOOD

G

R

G

G

G

G

G

Ice Dealer - Wholesale

131226

014405

WHLS

Y

R

Y

Y

Y

Y

Y

Importers

055410

R

R

R

R

R

R

R

Ink Mfg.

055426

R

R

R

R

R

R

R

Inner Tubes Mfg.

055597

R

R

R

R

R

R

R

Instrument Manufacturing - Control

055648

R

R

Y

R

R

Y

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 23 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Instrument Manufacturing, NOC

055649

R

R

Y

R

R

Y

R

Insulating Material Mfg.-Mineral

055715

R

R

R

R

R

R

R

Insulating Material Mfg.-Organic

055716

R

R

R

R

R

R

R

Insulating Material Mfg.-Plastic

055718

R

R

R

R

R

R

R

Insulating Material Mfg.-Plastic-for Application in a Solid State

055717

R

R

R

R

R

R

R

Insulation Work - Mineral

096410

CONT

R

R

Y

Y

R

G

Y

Insulation Work - Organic

096409

CONT

R

R

Y

Y

R

G

Y

Insulation Work - Plastic

096408

CONT

R

R

Y

Y

R

G

Y

096611

CONT

Interior Decorator

G

R

G

G

Y

G

G

Internet Access Provider

132018

047600

R

R

R

R

R

G

R

Internet Auctions

016751

R

R

R

R

R

R

R

Internet Retailers

016750

R

R

Y

Y

R

G

Y

Internet Service Provider

047610

R

R

R

R

R

G

R

Irrigation or Drainage System Construction

096702

R

R

R

R

R

R

R

Irrigation Works Operations

096703

R

R

R

R

R

R

R

MERC

Janitorial Services

132019

096816

CONT

G

R

G

G

Y

G

G

Janitorial Supply

131228

014527

RETL

G

R

G

G

G

G

G

Janitorial Supply - Wholesale

131230

014527

WHLS

G

R

G

G

G

G

G

Jetty or Breakwater Construction

096872

Jewelry Manufacturing

055802

Junk Dealers

R

R

R

R

R

R

R

INPR

R

R

G

G

G

G

G

R

R

R

R

R

R

R

SERV

G

R

G

G

Y

G

G

045380

Kennel - Breeding, Boarding or Sales

131232

045450

Kitchen Accessories

131234

018437

RETL

G

R

G

G

G

G

G

Kitchen Accessories - Wholesale

131236

012467

WHLS

G

R

G

G

G

G

G

G

Y

Labor Union Offices

065007

R

R

Y

Y

Y

Laboratories - Research, Development or Testing

097002

R

R

R

R

R

Y

R

Laboratories-Research, Development or Testing-Not-For-Profit Only

097003

R

R

R

R

R

R

R

Laboratories-Research, Development, or Testing-Not-For-Profit Only

097003

R

R

R

R

R

R

R

Ladder Mfg.-Other Than Wood

055918

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 24 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Ladder Mfg.-Wood

055919

R

R

R

R

R

R

R

Lakes or Reservoirs-Existence Hazard Only-Not-For-Profit Only

045524

R

R

R

R

R

R

R

Lakes or Reservoirs-Existence Hazard Only-Other Than Not-For-Profit

045523

R

R

R

R

R

R

R

Lamp Shade Mfg.

056040

R

R

R

R

R

R

R

Lamps or Lanterns Mfg.-Electric

056041

R

R

G

G

G

G

G

Lamps or Lanterns Mfg.-Other Than Electric

056042

R

R

R

R

R

R

R

Land Occupied by Persons Other Than the Insured for Business
Purposes - Lessors Risk Only

045539

MERC

R

R

R

Y

Y

G

Y

097047

CONT

G

R

G

G

Y

G

G

045678

INPR

R

R

Y

Y

R

G

Y

Landscape Gardening

132020

Laundries and Dry Cleaning Plants
Laundry and Dry Cleaning - Self-Service

131238

014731

SERV

R

R

R

R

R

R

R

Laundry and Dry Cleaning Receiving Station

131240

014732

SERV

G

R

G

G

G

G

G

R

R

R

G

R

Laundry and Dry Cleaning Stores

014733

R

R

Laundry Rental Service

014734

R

R

Y

Y

Y

G

Y

Lawn Care Services

097050

R

R

G

G

Y

G

G

Lawn Sprinkler Installation

G

R

G

G

Y

G

G

Lawyers Offices-Not-For-Profit Only

132021

098483
066123

CONT

R

R

R

R

R

R

R

Lead Mfg.-Red or White

056170

R

R

R

R

R

R

R

Lead Works-Sheet, Pipe or Shot

056171

R

R

R

R

R

R

R

G

G

G

G

G

Leather Goods

131242

011127

RETL

G

R

Leather Goods - Wholesale

131244

011126

WHLS

G

R

R

R

G

G

G

Leather Goods Mfg.

056202

R

R

G

G

G

G

G

Libraries

066309

R

R

R

R

R

R

R

Light Bulb or Tubes Mfg.

056390

R

R

R

R

R

R

R

Lighting Fixtures Mfg.

056391

R

R

R

R

R

R

R

Lime Mfg.

056427

R

R

R

R

R

R

R

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

RETL

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Liquor - Wholesale

131246

Liquor Mfg.
Liquor Store
Livestock Dealers or Commission Merchants

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

010140
056488

131248

010145
014855

page 25 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Livestock Sales Cos.

045771

Locksmith

014913

R

R

G

G

G

G

G

Logging and Lumbering

097111

R

R

R

R

R

R

R

Lubricants Mfg.-Grease

056567

R

R

R

R

R

R

R

CONT

Luggage Store

131250

018437

RETL

G

R

G

G

G

G

G

Luggage Store - Wholesale

131252

012362

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

R

R

G

G

G

G

G

Lumberyards

045819

Machine Shop, NOC

097220

Machinery or Equipment - Farm - Installation, Servicing or Repair

097221

R

R

R

R

R

Y

R

Machinery or Equipment - Industrial - Installation, Servicing or Repair

097222

MERC

R

R

Y

R

R

Y

R

Machinery or Equipment - Installation, Servicing or Repair, NOC

097223

CONT

R

R

Y

Y

R

Y

Y

Machinery or Equipment Dealers - Construction or Industrial - Mobile
Type

015060

R

R

R

R

R

Y

R

Machinery or Equipment Dealers - Yard or Garden Type

015063

R

R

G

Y

Y

G

Y

Machinery or Equipment Dealers-Farm Type

015061

R

R

R

R

R

R

R

Machinery or Equipment Dealers, NOC

015062

R

R

Y

Y

Y

G

Y

Machinery or Machinery Parts Mfg.

056654

R

R

R

R

R

R

R

Machinery or Machinery Parts Mfg.-Construction, Mining or Materials
Handling Type

056650

R

R

R

R

R

R

R

Machinery or Machinery Parts Mfg.-Construction, Mining, or Materials
Handling Type

056650

R

R

R

R

R

R

R

Machinery or Machinery Parts Mfg.-Farm Type

056651

R

R

R

R

R

R

R

Machinery or Machinery Parts Mfg.-Industrial Type

056652

R

R

R

R

R

R

R

Machinery or Machinery Parts Mfg.-Metalworking

056653

R

R

R

R

R

R

R

Mail Box or Packaging Store

5084

G

R

G

Y

G

G

G

045900

R

R

R

R

R

R

R

Mail Order House

045901

R

R

G

Y

G

G

Y

G

R

G

G

G

G

G
R

131256

015070

MERC

Mail Order or Online Drug Stores

Mailing or Addressing Company

131254

INPR

045937

SERV

SERV

Manufacturers

054444

R

R

R

R

R

R

Manufacturers Representatives

045993

R

R

Y

Y

Y

Y

Y

Marine Appraisers or Surveyors

097308

R

R

R

R

R

R

R

Markets - open air (Lessors Risk only) other than Not-For-Profit

015123

R

R

Y

Y

Y

G

Y

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 26 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Markets - open air (Lessors Risk only) Not-For-Profit only

015124

R

R

Y

Y

Y

G

Y

Markets - Not open air (Lessors Risk only) other than Not-For-Profit

015119

R

R

Y

Y

Y

G

Y

Markets - Not open air (Lessors Risk only) Not-For-Profit only

015120

R

R

Y

Y

Y

G

Y

CONT

G

R

G

G

Y

G

G

R

R

R

R

R

R

R

RETL

G

R

G

G

G

G

G

Masonry Work

132022

Match Mfg.
Maternity Shop

097447
056690

131258

011127

Mattress or Box Spring Mfg.

056699

R

R

R

R

R

R

R

Mausoleums

046004

R

R

G

G

Y

G

G

Mausoleums-Not-For-Profit Only

R

R

R

R

R

R

R

Meat, Fish, Poultry or Seafood

131260

046005
015224

RETL

G

R

G

G

G

G

G

Meat, Fish, Poultry or Seafood - Wholesale

131262

015223

WHLS

G

R

G

G

G

G

G

Meat, Fish, Poultry or Seafood Processing

056760

R

R

R

R

R

R

R

Meat, Fish, Poultry or Seafood Processing-In Airtight Containers

056759

R

R

R

R

R

R

R

Meat, Fish, Poultry or Seafood-Curing

056758

R

R

R

R

R

R

R

Media Mfg.-Blank

057800

R

R

R

R

R

R

R

Media Mfg.-Prerecorded

058627

R

R

R

R

R

R

R

Medical, Dental or Surgical Diagnostic or Treatment Machines or
Devices Mfg.

056808

R

R

R

R

R

R

R

Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.Expendable

056805

R

R

R

R

R

R

R

Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.Nonexpendable

056806

R

R

R

R

R

R

R

Medical, Dental, Hospital or Surgical Instruments Mfg.

056807

R

R

R

R

R

R

R

Medical, Hospital and Surgical Equipment and Supplies - Rented to
Others

015300

R

R

R

R

R

Y

R

Medical, Hospital and Surgical Supplies - Stores

015314

R

R

R

R

R

Y

R

Metal Dealers or Distributors - Nonstructural

015404

R

R

G

Y

Y

Y

Y

Metal Dealers or Distributors - Structural

015405

R

R

G

R

R

Y

R

Metal Erection - Decorative or Artistic

097650

R

R

Y

Y

R

Y

Y

Metal Erection - Frame Structures - Ironwork on Outside of Buildings

097651

R

R

R

R

R

Y

R

Metal Erection - In the Construction of Dwellings Not Exceeding 2
Stories in Height

097652

R

R

Y

Y

R

Y

Y

Metal Erection - Nonstructural, NOC

097653

R

R

Y

Y

R

Y

Y

Metal Erection - Structural, NOC

097655

R

R

R

R

R

Y

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

INPR

page 27 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Metal Erection-Steel Lock Gates, Gasholders, Standpipes, Water
Towers, Smokestacks, Tanks, Silos, Prison Cells, Fire or Burglarproof
Vaults

097654

Metal Foil Mfg.

056910

R

R

R

R

R

R

R

Metal Goods Manufacturing - Stamping - Not Signs

056912

INPR

R

R

G

G

G

G

G

Metal Goods Manufacturing, NOC

056911

INPR

R

R

G

G

G

G

G

Metal Heat Processing

056913

R

R

R

R

R

Y

R

Metal Scrap Dealers

015406

R

R

R

R

R

R

R

Metal Works - Shop - Decorative or Artistic

059914

R

R

G

G

G

G

G

Metal Works - Shop - Structural - Load Bearing

056915

R

R

R

R

R

Y

R

Metal Works - Shop - Structural - Not Load Bearing

056916

R

R

R

R

R

Y

R

Metals-Extraction or Refining

056900

R

R

R

R

R

R

R

Metals-Extraction or Refining of Ferrous Metals-Blast Furnace or Other
Pyrometallurgical Processes

056919

R

R

R

R

R

R

R

Metals-Extraction or Refining of Nonferrous Metals-Blast Furnace or
Other Pyrometallurgical Processes

056920

R

R

R

R

R

R

R

Metals-Extraction or Refining-Chemical Processes

056917

R

R

R

R

R

R

R

Metals-Extraction or Refining-Electrometallurgical Processes

056918

R

R

R

R

R

R

R

Mica Goods Mfg.

056980

R

R

R

R

R

R

R

Milk Depots or Dealers

057001

R

R

Y

Y

Y

Y

Y

Milk Processing

057002

R

R

R

R

R

R

R

Mining

098002

R

R

R

R

R

R

R

Mining-Surface

098003

R

R

R

R

R

R

R

Mobile Home Mfg.

057090

R

R

R

R

R

R

R

Mobile Home Parks or Courts

046202

R

R

R

R

R

Y

R

Mobile Home Sales Agencies

015488

R

R

R

R

R

R

R

Model Homes

046362

R

R

R

R

R

R

R

Modular Units Mfg.

057146

R

R

R

R

R

R

R

Motion Pictures-Development of Negatives, Printing and All Subsequent
Operations

098090

R

R

R

R

R

R

R

Motion Pictures-Film Distribution or Exchanges-Not Located at Motion
Picture Studios

098091

R

R

R

R

R

R

R

Motion Pictures-Production-Studios or Outside-All Operations Prior to
the Development of Negatives

098092

R

R

R

R

R

R

R

Motorcycle, Moped or Motor Scooter Mfg.

057202

R

R

R

R

R

R

R

Museum

046426

R

R

R

R

R

G

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

INPR

page 28 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

Museums-Not-For-Profit Only

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

046427

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Music Store

131264

016676

RETL

G

R

G

G

G

G

G

Music Store - Wholesale

131266

012362

WHLS

G

R

G

G

G

G

G

R

R

Y

Y

Y

G

Y

Musical Instrument Manufacturing

057257

Musical Instrument Store

131268

015538

RETL

G

R

G

G

G

G

G

Musical Instrument Store - Wholesale

131270

012362

WHLS

G

R

G

G

G

G

G

Nail Salon

131272

015600

SERV

G

R

Y

Y

R

G

G

Nails or Spikes Mfg.

057401

R

R

R

R

R

R

R

Nanomaterial Distributors

013208

R

R

R

R

R

R

R

Nanomaterial Mfg.

053953

R

R

R

R

R

R

R

Needles, Pins or Tacks Mfg.

057403

R

R

R

R

R

R

R

Net Manufacturing, NOC

057410

R

R

R

R

R

G

R

Net Mfg.-Safety Nets

057411

R

R

R

R

R

R

R

Newspaper or Magazine Distributor

015607

R

R

G

G

Y

G

G

G

R

G

G

G

G

G

Newsstands

131274

015608

RETL

Night Clubs, Cabarets and Comedy Clubs

015656

R

R

R

R

R

R

R

Nursery - Garden

015699

R

R

G

G

Y

G

G

Office Furniture and Fixture Installation

132023

423210

CONT

G

R

G

G

G

G

G

Office Machine Installation and Repair

132024

811212

CONT

G

R

G

G

G

G

G

Office Machines and Equipment

131276

018437

RETL

G

R

G

G

G

G

G

Office Machines and Equipment (Retail / Installation Market Segment)

131280

092451

RTIN

G

R

G

G

Y

G

G

Office Machines and Equipment - Wholesale

131278

012362

WHLS

G

R

G

G

G

G

G

R

R

G

G

G

G

G

Office Machines or Appliances - Installation, Inspection, Adjustment or
Repair

098111

Office Machines Manufacturing

R

R

Y

R

R

Y

R

Office Supplies

131282

018437

RETL

G

R

G

G

G

G

G

Office Supplies - Wholesale

131284

012362

WHLS

G

R

G

G

G

G

G

Office: Accountant

131286

061226

OFFC

G

R

G

G

G

G

G

Office: Actuary

131288

061226

OFFC

G

R

Y

Y

G

G

G

Office: Advertising Agency

131290

061226

OFFC

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

057572

page 29 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Office: Answering Service

131292

Office: Appraisal and Inspection Service
Office: Audio Consultant

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

061226

OFFC

G

R

G

G

G

G

G

131294

096317

OFFC

G

R

G

G

G

G

G

131296

041677

OFFC

G

R

G

G

G

G

G

Office: Auditor

131298

041677

OFFC

G

R

G

G

G

G

G

Office: Bookkeeping Service

131300

041677

OFFC

G

R

G

G

G

G

G

Office: Cardiologist

131302

066561

OFFC

G

R

G

G

G

G

G

Office: Chiropractor

131304

066561

OFFC

G

R

Y

Y

G

G

G

Office: Claims Adjuster

131306

096317

OFFC

G

R

G

G

G

G

G

Office: Computer Consulting

131308

041675

OFFC

R

R

R

R

R

G

R

041677

OFFC

R

R

Y

Y

Y

Y

Y

Office: Consultants - NOC

Auto
Repair
Class
Code

Office: Contractors

132035

061226

CONT

G

R

G

G

G

G

G

Office: Court Reporter/Stenographer

131310

047367

OFFC

G

R

G

G

G

G

G

Office: Credit and Debt Counseling Service

131312

061226

OFFC

G

R

Y

Y

G

G

G

Office: Dental

131314

066561

OFFC

G

R

G

G

G

G

G

Office: Dermatologist

131316

066561

OFFC

G

R

Y

Y

G

G

G

Office: Draftsmen

131318

091805

OFFC

G

R

G

G

G

G

G

Office: Employment Agency

131320

043200

OFFC

G

R

G

Y

R

Y

G

Office: Engineers & Architects & Surveyors

131322

092663

OFFC

G

R

G

G

G

G

G

Office: Escrow Agency

131324

061223

OFFC

G

R

G

G

G

G

G

Office: Estate/Financial Planning and Management

131326

061226

OFFC

G

R

G

G

G

G

G

Office: Family Practice

131328

066561

OFFC

G

R

Y

Y

G

G

G

Office: Geneticist

131330

066561

OFFC

G

R

Y

Y

G

G

G

Office: Graphic Design and Commercial Artist

131332

041677

OFFC

G

R

G

G

G

G

G

Office: Gynecologist

131334

066561

OFFC

G

R

Y

Y

G

G

G

Office: Hearing Aid Service

131336

013759

OFFC

G

R

G

G

G

G

G

Office: Insurance Agent

131338

045334

OFFC

G

R

G

G

G

G

G

Office: Internal Medicine

131340

066561

OFFC

G

R

Y

Y

G

G

G

Office: Lawyers Office

131342

066122

OFFC

G

R

G

G

G

G

G

Office: Market Research Firm

131344

046112

OFFC

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 30 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Office: Medical Billing Service

131346

Office: Medical, NOC
Office: Mortgage Broker

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

061226

OFFC

G

R

G

G

G

G

G

131348

066561

OFFC

G

R

G

G

G

G

G

131350

061223

OFFC

G

R

G

G

G

G

G

Office: Neurologist

131352

066561

OFFC

G

R

Y

Y

G

G

G

Office: Notary Public

131356

061226

OFFC

G

R

Y

Y

G

G

G

Office: NOC

131354

061226

OFFC

G

R

Y

Y

G

G

G

Office: Obstetrician

131358

066561

OFFC

G

R

Y

Y

G

G

G

Office: Oncologist

131360

066561

OFFC

G

R

Y

Y

G

G

G

Office: Ophthalmologist

131362

066561

OFFC

G

R

Y

Y

G

G

G

Office: Optician

131364

015839

OFFC

G

R

G

G

G

G

G

Office: Optometrists

131365

015839

OFFC

G

R

G

G

G

G

G

Office: Orthopedic Surgeon

131366

066561

OFFC

G

R

Y

Y

G

G

G

Office: Pathologist

131368

066561

OFFC

G

R

Y

Y

G

G

G

R

R

Y

Y

Y

Y

Y

Office: Payroll Accounting Service

Auto
Repair
Class
Code

061226

Office: Pediatrician

131370

066561

OFFC

G

R

Y

Y

G

G

G

Office: Podiatrist

131372

066561

OFFC

G

R

Y

Y

G

G

G

Office: Psychiatrist

131374

066561

OFFC

G

R

Y

Y

G

G

G

Office: Psychologist

131376

066561

OFFC

G

R

Y

Y

G

G

G

Office: Radiologist

131378

066561

OFFC

G

R

Y

Y

G

G

G

Office: Real Estate Agent

131380

047050

OFFC

G

R

G

G

G

G

G

Office: Speech Therapist

131382

066561

OFFC

G

R

Y

Y

G

G

G

Office: Stockbroker

131384

061226

OFFC

G

R

Y

Y

G

G

G

Office: Surgeon

131386

066561

OFFC

G

R

Y

Y

G

G

G

Office: Tax Preparation Service

131388

041677

OFFC

G

R

G

G

G

G

G

Office: Ticket Agency

131390

068439

OFFC

G

R

G

G

G

G

G

Office: Title Agent

131392

045334

OFFC

G

R

G

G

G

G

G

Office: Translator

131394

061226

OFFC

G

R

Y

Y

G

G

G

Office: Travel Agent

131396

061226

OFFC

G

R

G

G

G

G

G

Office: Urologist

131398

066561

OFFC

G

R

Y

Y

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 31 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Office: Website Designer

131400

Office: Word Processing Service

131402

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

096930

OFFC

G

R

Y

Y

G

G

G

061226

OFFC

G

R

G

G

G

G

G

Oil or Gas Lease Operations-Natural Gas-within the Limits of Any Town
or City on the Right-Of-Way of Any Railroad, or in Any Ocean, Gulf or
Bay

098151

R

R

R

R

R

R

R

Oil or Gas Lease Work by Contractors-Not Lease Operation

098152

R

R

R

R

R

R

R

Oil or Gas Well Supplies or Equipment Dealers-Secondhand

015188

R

R

R

R

R

R

R

Oil or Gas Wells-Acidizing

098153

R

R

R

R

R

R

R

Oil or Gas Wells-Cementing

098154

R

R

R

R

R

R

R

Oil or Gas Wells-Cleaning or Swabbing by Contractors

098155

R

R

R

R

R

R

R

Oil or Gas Wells-Cleaning or Swabbing by Contractors-within the Limits
of Any Town or City, on the Right-of-Way of Any Railroad, or in Any
Ocean, Gulf or Bay

098156

R

R

R

R

R

R

R

Oil or Gas Wells-Drilling or Redrilling, Installation or Recovery of Casing

098157

R

R

R

R

R

Y

R

Oil or Gas Wells-Drilling or Redrilling, Installation or Recovery of
Casing-within the Limits of Any Town or City, on the Right-of-Way of
Any Railroad, or in Any Ocean, G

098158

R

R

R

R

R

R

R

Oil or Gas Wells-Instrument Logging or Survey Work in Wells

098159

R

R

R

R

R

R

R

Oil or Gas Wells-Non-Operating Working Interest

046510

R

R

R

R

R

R

R

Oil or Gas Wells-Perforating of Casing

098160

R

R

R

R

R

R

R

Oil or Gas Wells-Servicing-By Contractors

098161

R

R

R

R

R

R

R

Oil or Gas Wells-Shooting

098162

R

R

R

R

R

R

R

Oil or Natural Gas Lease Operations

098150

R

R

R

R

R

R

R

Oil Refineries

015733

R

R

R

R

R

R

R

Oil Rig or Derrick Erecting or Dismantling-Wood or Metal

098163

R

R

R

R

R

R

R

Oil Still Erection or Repair

098164

R

R

R

R

R

R

R

CONT

Optical Goods

131404

015839

SERV

G

R

G

G

G

G

G

Optical Goods - Wholesale

131406

012362

WHLS

G

R

G

G

G

G

G

Optical Goods Mfg.

057600

R

R

R

R

R

R

R

Orchards and Vineyards-Operation by Contractors

098257

R

R

R

R

R

R

R

Ore Milling or Processing

057611

R

R

R

R

R

R

R

Orthopedic, Ambulation or Prosthetic Devices Mfg.

057625

R

R

R

R

R

R

R

Packing Houses

057651

R

R

R

R

R

R

R

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Paint, Varnish, Shellac or Lacquer Mfg.
Paint, Wallpaper or Wallcovering

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

057690
131408

015991

RETL

page 32 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Paint, Wallpaper or Wallcovering (Retail/Installation Market Segment)

131412

Paint, Wallpaper or Wallcovering - Wholesale

131410

Painting - Exterior Buildings or Structures - Not Exceeding Three
Stories in Height
Painting - Shop Only
Painting and Paperhanging

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

098305

RTIN

G

R

G

G

G

G

G

012362

WHLS

G

R

G

G

G

G

G

098304

CONT

R

R

G

Y

Y

G

Y

R

R

Y

G

Y

G

G

CONT

G

R

G

G

G

G

G

098308
132025

098305

Painting-Exterior-Buildings or Structures-Exceeding Three Stories in
Height

098303

R

R

R

R

R

G

R

Painting-Oil or Gasoline Tanks

098306

R

R

R

R

R

R

R

Painting-Ship Hulls

098307

R

R

R

R

R

R

R

Painting-Steel Structures or Bridges

098309

R

R

R

R

R

R

R

Painting, Picture or Frame Stores

015993

R

R

G

G

G

G

G

Paper Coating or Finishing

057716

R

R

R

R

R

R

R

Paper Goods Manufacturing

057725

R

R

Y

Y

R

Y

Y

Paper Mfg.

057726

R

R

R

R

R

R

R

Paper, Paper Products and Party Supplies

131414

018335

RETL

G

R

G

G

G

G

G

Paper, Paper Products and Party Supplies - Wholesale

131416

016005

WHLS

G

R

Y

G

G

G

G

R

R

R

R

R

R

R

R

R

G

G

Y

G

G

Paper, Rag or Rubber Stock Dealers and Distributors-Secondhand

016009

Paperhanging

098344

Parachute Mfg.

057798

R

R

R

R

R

R

R

Parades

046590

R

R

R

R

R

R

R

Parking - private

046622

R

R

Y

Y

Y

Y

Y

Parking - public - not open air

046603

R

R

Y

Y

Y

Y

Y

Parking - public - open air

046604

R

R

Y

Y

Y

Y

Y

Parking - public - shopping centers - maintained by the insured (Lessors
Risk only)

046607

R

R

Y

Y

Y

Y

Y

Parking - public - shopping centers - maintained by the lessee (Lessors
Risk only)

046606

R

R

Y

Y

Y

Y

Y

Parks or Playgrounds

046671

R

R

R

R

R

R

R

Pattern Manufacturing - Metal

057808

R

R

Y

Y

R

Y

Y

Pattern Manufacturing - Paper

057810

R

R

Y

Y

R

Y

Y

Pattern Manufacturing, NOC

057809

R

R

Y

Y

R

Y

Y

Penal Institutions

046700

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

CONT

page 33 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R
R

Pencil, Pen, Crayon or Chalk Mfg.

057871

R

R

R

R

R

Pencil, Pen, Crayon, or Chalk Mfg.

057871

R

R

R

R

R

R

Pest Control Services

043470

R

R

R

R

R

G

R

SERV

G

R

Y

Y

Y

G

G

Pet Day Care

131418

Pet Food Mfg.

016404

R

R

R

R

R

R

R

Pet Grooming

131420

057913
016402

SERV

G

R

G

G

Y

G

G

Pet Store

131422

016403

RETL

G

R

G

G

Y

G

G

Pet Supplies

131424

016403

RETL

G

R

G

G

G

G

G

Pet Supplies - Wholesale

131426

012362

WHLS

G

R

G

G

G

G

G

Pet Training

131428

016404

SERV

G

R

G

G

Y

G

G

Photo Finishing

131430

057997

SERV

G

R

G

G

G

G

G

Photographer/Videographer

131432

016471

SERV

G

R

G

G

G

G

G

Photographic Equipment Mfg.

057998

R

R

R

R

R

R

R

Photographic Supplies Mfg.

057999

R

R

R

R

R

R

R

Piano Tuning

098405

R

R

G

G

G

G

G

Picnic Grounds - Commercially Operated

R

R

R

R

R

Y

R

Pictures or Frames

131434

046773
015993

RETL

G

R

G

G

G

G

G

Pictures or Frames - Wholesale

131436

012362

WHLS

G

R

G

G

G

G

G

Pile Driving-Building Foundation Only

098413

R

R

R

R

R

R

R

Pile Driving-Other

098414

R

R

R

R

R

R

R

Pile Driving-Sonic Method

098415

R

R

R

R

R

R

R

Pipeline Construction-Gas

098423

R

R

R

R

R

R

R

Pipeline Construction-Oil

098425

R

R

R

R

R

R

R

Pipeline Construction-Other

098424

R

R

R

R

R

R

R

Pipeline Construction-Slurry-Nonflammable Mixtures

098426

R

R

R

R

R

R

R

Pipelines-Operation-Gas

098427

R

R

R

R

R

R

R

Pipelines-Operation-Oil

098429

R

R

R

R

R

R

R

Pipelines-Operation-Other

098428

R

R

R

R

R

R

R

Pipelines-Operation-Slurry-Nonflammable Mixtures

098430

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 34 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

INPR

R

R

G

G

G

G

G
R

Pipes or Tubes Mfg.-Metal

058009

Pipes or Tubes Mfg.-Plastic

058010

R

R

R

R

R

R

Pipes Mfg.-Tobacco

058020

R

R

R

R

R

R

R

Pizza Shop - Ovens Only

131438

010100

FOOD

G

R

G

G

G

G

G

Pizza Shop - With Cooking - without seating

131440

016902

FOOD

G

R

G

G

G

G

G

Pizza Shop - With Cooking - without table service - with seating

131442

016901

FOOD

G

R

G

G

G

G

G

Plant and Greenery Services

131444

015699

SERV

G

R

G

G

Y

G

G

Plaster and Stucco

132026

098449

CONT

G

R

G

G

Y

G

G
R

Plastic or Rubber Goods Mfg.-Household

058057

R

R

R

R

R

R

Plastic or Rubber Goods Mfg.-Other Than Household

058058

R

R

R

R

R

R

R

Plastic or Rubber Supply Goods Distributors

016501

R

R

Y

G

Y

G

G

Plastic Mfg.-Raw Material
Plumbing

058056
132027

098483

CONT

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Plumbing - Commercial and Industrial

098482

R

R

G

Y

Y

G

Y

Plumbing Fixtures Manufacturing

058095

INPR

R

R

G

G

G

G

G
G

Plumbing Supplies and Fixtures

131446

016527

RETL

G

R

G

G

G

G

Plumbing Supplies and Fixtures (Retail / Installation Market Segment)

131450

098482

RTIN

G

R

Y

Y

Y

G

Y

Plumbing Supplies and Fixtures - Wholesale

131448

016527

WHLS

G

R

Y

Y

G

G

G

Plumbing Supplies Manufacturing, NOC

058096

R

R

Y

Y

R

Y

Y

Plywood, Veneer or Veneer Products Mfg.-without Log Processing

058302

R

R

R

R

R

R

R

Plywood, Veneer or Veneer Products Mfg.-Other

058301

R

R

R

R

R

R

R

Plywood, Veneer, or Veneer Products Mfg.-without Log Processing

058302

R

R

R

R

R

R

R

Political Campaign Headquarters or Offices

046822

R

R

R

R

R

R

R

Portable Toilet Rentals

019061

R

R

G

Y

Y

G

Y

Prefabricated Building Erection

098502

R

R

R

R

R

R

R

Prefabricated Building Mfg.

058397

R

R

R

R

R

R

R

Printers or Electrotypers Supplies Distributors

016588

R

R

G

G

G

G

G

CONT

Printing

131452

058408

SERV

G

R

G

G

G

G

G

Printing Supplies

131454

016588

RETL

G

R

G

G

G

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 35 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

Printing Supplies - Wholesale

MAP
Class
Code

ISO
GLClass
Code

131456

016588

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

WHLS

G

R

Y

G

Y

G

G

Printing-Not-For-Profit Only

058409

R

R

R

R

R

R

R

Produce Handling or Packing

016604

R

R

G

G

R

G

G

Professional and Trade Associations - No Buildings or Premises Owned
or Leased Except as Offices

046881

R

R

G

Y

Y

G

Y

Professional and Trade Associations-No Buildings or Premises Owned
or Leased Except as Offices-Not-For-Profit Only

046882

R

R

R

R

R

R

R

Publishers-Books or Magazines-Not-For-Profit Only

058457

R

R

R

R

R

R

R

Publishers-Books or Magazines-Other Than Not-For-Profit

058456

R

R

G

G

G

G

G

Publishers-Newspapers-Not-For-Profit Only

058459

R

R

R

R

R

R

R

Publishers-Newspapers-Other Than Not-For-Profit

058458

R

R

R

R

R

R

R

Pulp Mfg.

058503

R

R

R

R

R

R

R

Pumps or Compressors Mfg.

058532

R

R

R

R

R

R

R

Quarries

098555

R

R

R

R

R

R

R

Race Tracks - motorized vehicles - operators

046911

R

R

R

R

R

R

R

Race Tracks - motorized vehicles - sponsor's risk only

046915

R

R

R

R

R

R

R

Race Tracks - motorized vehicles - Lessors Risk only

046913

R

R

R

R

R

R

R

Race Tracks - operators

046912

R

R

R

R

R

R

R

Racing - Lessors Risk only

046914

R

R

R

R

R

R

R

Racing-Sponsorðs Risk Only

046916

R

R

R

R

R

R

R

Racquet Sports and Handball Facilities - Commercially Operated

016670

R

R

R

R

R

R

R

Radio or TV Broadcasting Stations-Not-For-Profit Only

098598

R

R

R

R

R

R

R

Radio/TV Broadcasting Stations

098597

R

R

R

R

R

R

R

Railroad or Other Public Conveyance Cars Mfg.

058560

R

R

R

R

R

R

R

Railroad or Other Public Conveyance Cars Parts Mfg.

058561

R

R

R

R

R

R

R

Railroad Construction

098601

R

R

R

R

R

R

R

Railroad Engine Mfg.

058559

R

R

R

R

R

R

R

Railroads-Operation and Maintenance-with BI Passenger Hazard

098622

R

R

R

R

R

R

R

Railroads-Operation and Maintenance-without BI Passenger Hazard

098623

R

R

R

R

R

R

R

Railroads-Shop Operation and Maintenance

098624

R

R

R

R

R

R

R

Razor or Razor Blades Mfg.

058575

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 36 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

Y

R

Y

Y

Real Estate Development Property

047051

Real Estate Property Managed

047052

R

R

R

R

R

Y

R

Recording Studios

047103

R

R

G

G

G

G

G

Recreational Vehicle Dealers

016694

R

R

R

R

R

R

R

Recycling Collection Centers

047146

R

R

R

R

R

R

R

Recycling Collection Centers-Not-For-Profit Only

047147

R

R

R

R

R

R

R

CONT

Refreshment Stand/Juice Bar/ Concessionaires

131458

011168

FOOD

G

R

G

G

G

G

G

Refrigeration Equipment

131460

016705

RETL

G

R

G

G

Y

G

G

Refrigeration Equipment (Retail / Installation Market Segment)

131464

098636

RTIN

G

R

G

G

Y

G

G

Refrigeration Equipment - Wholesale

131462

016705

WHLS

G

R

Y

Y

Y

G

G

Refrigeration Equipment Mfg.

058663

R

R

R

R

R

R

R

Refrigeration Systems or Equipment - Dealers and Distributors and
Installation, Servicing or Repair - Commercial

098636

R

R

Y

Y

Y

G

Y

Religious Supplies

131466

018437

RETL

G

R

G

G

G

G

G

Religious Supplies - Wholesale

131468

012362

WHLS

G

R

G

G

G

G

G

Rendering Works

058682

R

R

R

R

R

R

R

Renovating - Outside Surfaces of Buildings

098640

R

R

R

R

R

Y

R

Rental Stores - Machinery or Equipment, Rented to Others on a Long
Term Basis

016723

CONT

R

R

R

R

R

Y

R

Rental Stores, NOC

016722

CONT

R

R

R

Y

R

Y

Y

Restaurant and Bar Supplies

131470

012467

RETL

G

R

G

G

G

G

G

Restaurant and Bar Supplies - Wholesale

131472

012467

WHLS

G

R

G

G

G

G

G

Restaurants - with no sale of alcoholic beverages - with table service

016900

MERC

R

R

G

G

Y

G

G

Restaurants - with no sale of alcoholic beverages - without seating

016902

MERC

R

R

G

G

Y

G

G

Restaurants - with no sale of alcoholic beverages - without table service
with seating

016901

MERC

R

R

G

G

Y

G

G

Restaurants - with sale of alcoholic beverages that are less than 30% of
the annual receipts of the restaurants - with table service

016910

MERC

R

R

G

G

Y

G

G

Restaurants - with sale of alcoholic beverages that are less than 30% of
the annual receipts of the restaurants - without table service with
seating

016911

MERC

R

R

G

G

Y

G

G

Restaurants - with sale of alcoholic beverages that are 30% or more of
but less than 75% of the total annual receipts of the restaurants - with
dance floor

016915

MERC

R

R

G

G

Y

G

G

Restaurants - with sale of alcoholic beverages that are 30% or more of
but less than 75% of the total annual receipts of the restaurants without dance floor

016916

MERC

R

R

G

G

Y

G

G

Restaurants - with sale of alcoholic beverages that are 75% or more of
total annual receipts of the restaurants - bar service only (no tables):
with dance floor

016940

R

R

R

R

R

R

R

Restaurants - with sale of alcoholic beverages that are 75% or more of

016941

R

R

R

R

R

R

totalGuide
annual
receipts
of the (All
restaurants
Risk Appetite
- Quick
Reference
States) - bar service only (no tables):
without dance floor
062017 - Proprietary & Confidential

R
page 37 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Restaurants - with sale of alcoholic beverages that are 75% or more of
total annual receipts of the restaurants - with tables - with dance floor:
no table service

016921

R

R

R

R

R

R

R

Restaurants - with sale of alcoholic beverages that are 75% or more of
total annual receipts of the restaurants - with tables - with dance floor:
table service

016920

R

R

R

R

R

R

R

Restaurants - with sale of alcoholic beverages that are 75% or more of
total annual receipts of the restaurants - with tables - without dance
floor: no table service

016931

R

R

R

R

R

R

R

Restaurants - with sale of alcoholic beverages that are 75% or more of
total annual receipts of the restaurants - with tables - without dance
floor: table service

016930

R

R

R

R

R

R

R

Restaurants - Bring your own alcohol - with no sale of alcoholic
beverages - with table service

016905

MERC

R

R

G

G

Y

G

G

Restaurants - Bring your own alcohol - with no sale of alcoholic
beverages - without table service - with seating

016906

MERC

R

R

G

G

Y

G

G

Restaurants-Operated by Concessionaires-Not-For-Profit Only

016820

SERV

R

R

Y

R

R

Y

R

Riding Academies

047221

R

R

R

R

R

R

R

Rifle or Pistol Ranges

047254

R

R

R

R

R

R

R

Rifle or Pistol Ranges-Indoor

047253

R

R

R

R

R

R

R

Rigging - Not Ship or Boat

098658

R

R

R

R

R

R

R

Rigging-Ship or Boat

098659

R

R

R

R

R

R

R

Rodeos

047318

R

R

R

R

R

R

R

Rolling Mills-Cold or Hot Process

058713

R

R

R

R

R

R

R

Roofing - Commercial

098677

CONT

R

R

Y

R

R

Y

R

Roofing - Residential

098678

CONT

R

R

Y

R

R

Y

R

Rope Mfg.

058737

R

R

R

R

R

R

R

Rubber Mfg.

058756

R

R

R

R

R

R

R

Rubber Reclaiming

058757

R

R

R

R

R

R

R

Rubber Stamp Manufacturing or Assembling

058759

R

R

Y

Y

Y

G

Y

Saddles, Harnesses or Horses Furnishings Mfg.

058802

R

R

R

R

R

R

R

Saddles, Harnesses, or Horses Furnishings Mfg.

058802

R

R

R

R

R

R

R

Safes or Safe Vaults Mfg.

058813

R

R

R

R

R

R

R

Sail Making

058822

R

R

R

R

R

Y

R

Sales or Service Organizations

047367

R

R

G

Y

Y

G

Y

Salt Mfg.

058840

R

R

R

R

R

R

R

Salt, Borax, Potash or Phosphate-Producing or Refining

058837

R

R

R

R

R

R

R

Salvage Operations

098698

R

R

R

R

R

R

R

Salvage Operations-Removing, Sorting, Reconditioning and Distributing
of Merchandise in Damaged Buildings and Incidental Operations Away
from Such Buildings

098699

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 38 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Cont

R

R

R

R

R

R

R

Sand or Gravel Digging

098710

Sandblasting

098705

R

R

R

R

R

Y

R

Saunas and Baths - Public

047420

R

R

R

R

R

R

R

Saw Mills or Planing Mills

058873

R

R

R

R

R

R

R

Schools - colleges, universities, junior colleges or college preparatory
Not-For-Profit only

067509

R

R

R

R

R

R

R

Schools - colleges, universities, junior colleges or college preparatory
Other than Not-For-Profit

067508

R

R

R

R

R

R

R

Schools - correspondence

047468

R

R

R

R

R

R

R

Schools - dormitory facilities - Not-For-Profit only

067511

R

R

R

R

R

R

R

Schools - dormitory facilities - Other than Not-For-Profit

067510

R

R

R

R

R

R

R

Schools - faculty liability for corporal punishment of students

047469

R

R

R

R

R

R

R

Schools - private - elementary, kindergarten or junior high - Not-ForProfit only

047476

R

R

R

R

R

R

R

Schools - private - elementary, kindergarten or junior high - Other than
Not-For-Profit

047475

R

R

R

R

R

R

R

Schools - private - high - Not-For-Profit only

047478

R

R

R

R

R

R

R

Schools - private - high - Other than Not-For-Profit

047477

R

R

R

R

R

R

R

Schools - public - elementary, kindergarten or junior high

047471

R

R

R

R

R

R

R

Schools - public - high

047473

R

R

R

R

R

R

R

Schools - trade or vocational

047474

R

R

R

R

R

R

R

Schools - Not-For-Profit only

067513

R

R

R

R

R

R

R

Schools - Other than Not-For-Profit

067512

R

R

R

R

R

R

R

Screen Printing

131474

059722

SERV

G

R

G

G

G

G

G

Screen Printing - Wholesale

131476

059722

WHLS

G

R

G

G

G

G

G

Secondhand or Salvage Dealers and Distributors

016881

R

R

R

R

R

R

R

Security and Patrol Agencies

098751

R

R

R

R

R

R

R

Seed Merchants-Erroneous Delivery, and Error in Mixture (Excluding
Germination Failure)

016892

R

R

R

R

R

R

R

Seed Merchants-Erroneous Delivery, Error in Mixture and Resulting
Germination Failure

016891

R

R

R

R

R

R

R

Seed Merchants-Excluding Erroneous Delivery, Error in Mixture and
Germination Failure

016890

R

R

R

R

R

R

R

Septic Tank Systems - Cleaning

098805

CONT

G

R

G

G

G

G

G

Septic Tank Systems - Installation, Servicing or Repair

098806

CONT

R

R

Y

Y

Y

G

Y

Sewage Disposal-Plant Operations

098810

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

132028

page 39 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

INPR

R

R

Y

Y

Y

G

Y
R

Sewer Cleaning

098813

Sewer Mains or Connections Construction

098820

R

R

R

R

R

R

Sewers

048039

R

R

R

R

R

R

R

Sewing Machines and Accessories

131478

010042

RETL

G

R

G

G

G

G

G

Sewing Machines and Accessories - Wholesale

131480

012362

WHLS

G

R

G

G

G

G

G

Sewing Machines Mfg.-Commercial

058903

R

R

R

R

R

R

R

Sewing Machines Mfg.-Household

058904

R

R

R

R

R

R

R

Shaft Sinking

098871

R

R

R

R

R

R

R

G

R

G

Y

Y

G

Y

R

R

R

R

R

G

R

R

R

G

G

Y

G

G

R

R

Sheet Metal Work

132029

098884

CONT

Sheet Metal Work - Outside

098884

Sheet Metal Work - Shop Only

058922

Shelters, Mission, Settlement or Halfway Houses - Not Church or Office
Buildings

067017

R

R

R

R

R

Ship Ceiling or Scaling

098914

R

R

R

R

R

R

R

Ship Chandler Stores

018078

R

R

R

R

R

G

R

Ship Repair or Conversion

098949

R

R

R

R

R

R

R

Shoe Repair

018109

R

R

G

G

G

G

G

INPR

Shoe Store

131482

018110

RETL

G

R

G

G

G

G

G

Shoe Store - Wholesale

131484

012362

WHLS

G

R

G

G

G

G

G

R

R

R

R

R

R

R

Shoe, Boot or Slipper Mfg.
Shop - Work shop in connection with Contracting operation.

059005

G

R

G

Y

R

G

G

Shopping Centers - Buildings or Premises Not Occupied by Insured Lessors Risk Only

067635

R

R

Y

Y

Y

Y

Y

Shopping Centers - Indoor Malls - Buildings or Premises Not Occupied
by the Insured - Lessors Risk Only

067634

R

R

R

R

R

Y

R
Y

Siding Installation

132034

CONT

098967

CONT

G

R

Y

Y

R

G

Sign Erection, Installation or Repair

098993

CONT

R

R

Y

Y

Y

Y

Y

Sign Manufacturing - Electrical

059057

INPR

R

R

G

G

G

G

G

Sign Manufacturing, NOC

059058

R

R

Y

Y

R

Y

Y

Sign Painting or Lettering - Inside of Buildings

099003

R

R

Y

Y

Y

Y

Y

Sign Painting or Lettering - On Buildings or Structures

099004

R

R

Y

Y

R

Y

Y

Skating Rink - Ice

048177

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

132030

068706

page 40 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Skating Rink - Roller

048178

R

R

R

R

R

R

R

Skeet Shooting or Trap Shooting Ranges

048206

R

R

R

R

R

R

R

Ski Lifts, Tows, or Runs

048252

R

R

R

R

R

R

R

Slate Milling

059188

R

R

R

R

R

R

R

Slate Splitting or Slate Roofing Mfg.
Snow and Ice Removal

059189
132037

099310

CONT

R

R

R

R

R

R

R

G

R

Y

Y

Y

Y

G

Soap Box Derbies

048441

R

R

R

R

R

R

R

Soap Mfg.

059223

R

R

R

R

R

R

R

Social Gatherings and Meetings - On Premises Not Owned or Operated
by Insured

048557

R

R

R

R

R

R

R

Social Gatherings and Meetings-on Premises Not Owned or Operated
by the Insured-Not-For-Profit Only

048558

R

R

R

R

R

R

R

Social Services - Consulting Services Only - Operated by the Private
Sector

048600

R

R

R

R

R

R

R

Solar Electric Farms

099081

R

R

R

R

R

R

R

Solar Energy Contractors

099080

R

R

R

R

R

G

R

Solar Energy Equipment Dealers or Distributors Only

013461

R

R

R

R

R

R

R

Solar Energy Equipment Mfg.

055014

R

R

R

R

R

R

R

Solar Energy Systems-Existence Hazard Only (Lessorðs Risk Only)

097502

R

R

R

R

R

R

R

Solar Energy Systems-Existence Hazard Only (Owner-Operated)

099081

R

R

R

R

R

R

R

Sponge Processing

059257

R

R

R

R

R

R

R

Sporting Goods or Athletic Equipment - Distributors

018205

R

R

Y

Y

Y

Y

Y

Sporting Goods or Athletic Equipment Mfg.

059306

R

R

R

R

R

R

R

Sporting Goods or Athletic Equipment Stores

018206

R

R

G

Y

G

G

Y

Sports or Outdoor Activities-Commercially Operated

048610

R

R

R

R

R

R

R

Stables-Boarding, Livery or Racing

099111

R

R

R

R

R

R

R

Stadiums-Operated by Insured-Not-For-Profit Only

048638

R

R

R

R

R

R

R

Stadiums-Operated by Insured-Other Than Not-For-Profit

048637

R

R

R

R

R

R

R

Steam Heating or Steam Power Cos.

099160

R

R

R

R

R

R

R

Steam Mains or Connections Construction

099163

R

R

R

R

R

R

R

Steam Pipe or Boiler Insulation

099165

R

R

R

R

R

R

R

Steel Wool or Wire Wool Mfg.

059378

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

MERC

RETL

page 41 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Stevedoring

099222

R

R

R

R

R

R

R

Stevedoring-By Hand or by Means of Hand Trucks Exclusively-No
Hoisting of Cargo

099220

R

R

R

R

R

R

R

Stevedoring-Handling Explosives or Ammunition-under Contract

099221

R

R

R

R

R

R

R

Stevedoring-Talliers or Checking Clerks Engaged in Connection with
Stevedoring Work

099223

R

R

R

R

R

R

R

Stockyards

048636

R

R

R

R

R

R

R

Stone Crushing

059481

R

R

R

R

R

R

R

Stone Cutting or Polishing

R

R

G

G

Y

G

G

Storage Building - in connection with a food occupancy

131496

059482
068706

FOOD

G

R

Y

Y

Y

G

G

Storage Building - in connection with a retail occupancy

131488

068706

RETL

G

R

Y

Y

Y

G

G

Storage Building - in connection with a service occupancy

131490

068706

SERV

G

R

Y

Y

Y

G

G

Storage Building - in connection with a wholesale occupancy

131492

068706

WHLS

G

R

Y

Y

Y

G

G

Storage Building - in connection with an office occupancy

131494

068706

OFFC

G

R

Y

Y

Y

G

G

Storage Building - in connection with Lessors Risk occupancy

131486

068706

LSRO

G

R

Y

Y

Y

G

G

Storage/Retail Building - in connection with a Contractors occupancy

132033

068706

CONT

G

R

Y

Y

Y

G

G

Stores - Food or Drink, NOC

018435

R

R

Y

Y

Y

Y

Y

Stores - No Food or Drink, NOC

018437

R

R

Y

Y

Y

Y

Y

Stores-Food or Drink-Not-For-Profit Only

018436

R

R

R

R

R

R

R

Stores-No Food or Drink-Not-For-Profit Only

018438

R

R

R

R

R

R

R

Street or Road Construction or Reconstruction

099315

R

R

R

R

R

Y

R

Street or Road Paving or Repaving, Surfacing or Resurfacing or
Scraping

099321

R

R

R

R

R

Y

R

Street Cleaning/Snow Removal

099303

R

R

Y

Y

Y

Y

Y

Streets, Roads, Highways or Bridges-Existence and Maintenance
Hazard Only

048727

R

R

R

R

R

R

R

CONT

Subcontracted Work - in connection with construction, reconstruction,
erection or repair

132036

091581

CONT

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131498

091581

LSRO

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131500

091581

FOOD

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131502

091581

RETL

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131504

091581

WHLS

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131506

091581

SERV

G

R

Y

Y

Y

G

G

Subcontracted Work - in connection with construction, reconstruction,
erection or repair - not buildings

131508

091581

OFFC

G

R

Y

Y

Y

G

G

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 42 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Subcontracted Work - in connection with construction, reconstruction,
repair or erection of buildings

091585

CONT

R

R

Y

Y

Y

Y

Y

Subcontracted Work - in connection with construction, reconstruction,
repair or erection of buildings - for industrial use

091584

CONT

R

R

Y

Y

Y

Y

Y

Sugar Refining

059537

R

R

R

R

R

R

R

Sun Tanning Salons

R

R

R

R

R

Y

R

Sunglasses

131510

015839

RETL

G

R

G

G

G

G

G

Sunglasses - Wholesale

131512

015839

WHLS

G

R

G

G

G

G

G

Supermarkets

018501

MERC

R

R

Y

Y

Y

Y

Y

Surveyors - Land - Not Engaged in Actual Construction

099471

R

R

G

G

G

G

G

Swimming Pool Servicing

048808

R

R

Y

Y

Y

G

Y

Swimming Pools

048925

R

R

R

R

R

G

R

Swimming Pools - Commercially Operated

048924

R

R

R

R

R

G

R

Swimming Pools - Installation, Servicing or Repair - Above Ground

099506

R

R

Y

Y

R

G

Y

Swimming Pools - Installation, Servicing or Repair - Below Ground

099507

R

R

Y

Y

R

G

Y

Swimming Pools or Accessories Mfg.

059601

R

R

R

R

R

R

R

Syrups or Molasses-Refining, Blending or Mfg.

059647

INPR

R

R

G

G

G

G

G

018507

SERV

Tailoring or Dressmaking Service - Custom

132042

CONT

G

R

Y

G

G

G

G

Tank Building or Manufacturing - Metal - Not Pressurized

059660

R

R

R

R

R

Y

R

Tank Building or Manufacturing - Metal - Pressurized

059661

R

R

R

R

R

R

R

Tank Construction, Installation, Erection or Repair - Metal - Not
Pressurized

099570

R

R

R

R

R

Y

R

Tank Construction, Installation, Erection or Repair - Metal - Not
Pressurized - Within Buildings Exclusively

099572

R

R

R

R

R

Y

R

Tank Construction, Installation, Erection or Repair - Metal - Pressurized

099571

R

R

R

R

R

R

R

Tank Construction, Installation, Erection or Repair - Metal - Pressurized
- Within Buildings Exclusively

099573

R

R

R

R

R

R

R

Tanning-Animal Hides

059693

R

R

R

R

R

R

R

Tattoo Parlors

018570

R

R

R

R

R

R

R

Taxicab Cos.

068001

R

R

R

R

R

R

R

G

R

G

G

G

G

G

R

R

Taxidermist

131514

099505

131516

049005

SERV

Telecommunication Equipment Mfg.

059695

R

R

R

R

R

Telecommunication Equipment Providers

018575

R

R

R

R

R

Y

R

Telecommunication Service Providers

099600

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 43 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

R

R

Telegraph Cos.

099614

Telephone, Telegraph, or Cable Television Line Construction

099613

R

R

G

Y

Y

G

Y

Teleproduction Studios

099620

R

R

R

R

R

R

R

Television Picture Tube Mfg.

059701

R

R

R

R

R

R

R

Tent or Canopy Mfg.

059713

INPR

R

R

Y

Y

Y

Y

Y

Tent or Canvas Goods - Erection, Removal or Repair - Away From
Shop

099709

CONT

R

R

Y

Y

Y

G

Y

Tents or Canopies - Loaned or Rented to Others

049111

R

R

Y

Y

Y

G

Y

Textile Coating or Impregnating

059723

R

R

R

R

R

R

R

Textile Mfg.-Impregnated or Coated

059724

R

R

R

R

R

R

R

Textile Products Manufacturing - Fabricated

059725

R

R

R

R

R

Y

R

Theaters - drive-in

049181

R

R

R

R

R

R

R

Theaters - motion pictures

049183

R

R

R

R

R

R

R

Theaters - Not-For-Profit only

049185

R

R

R

R

R

R

R

Theaters - Other than Not-For-Profit only

049184

R

R

R

R

R

R

R

Theatrical Companies - Traveling

099718

R

R

R

R

R

R

R

Tie, Post, or Pole Yard

059738

R

R

R

R

R

R

R

CONT

Tile, stone or terrazzo work (duplicate)

132031

099746

CONT

G

R

G

G

G

G

G

Tile, Stone or Terrazzo Work

132031

099746

CONT

G

R

G

G

G

G

G

Tire Dealers

018616

R

R

R

R

R

R

R

Tire Mfg.-Auto, Bus or Truck

059750

R

R

R

R

R

R

R

Tire Mfg.-Not Auto, Bus or Truck

059751

R

R

R

R

R

R

R

Tire-Retreading or Recapping

049239

R

R

R

R

R

R

R

Tobacco Products Distributors

018707

R

R

R

R

R

Y

R

Tobacco Products Mfg.-Cigars or Cigarettes

059773

R

R

R

R

R

R

R

Tobacco Products Mfg.-Other

059774

R

R

R

R

R

R

R

Tobacco Products Mfg.-Plug or Snuff

059775

R

R

R

R

R

R

R

Tobacco Products Stores

018708

R

R

Y

Y

Y

Y

R

Tobacco Rehandling or Warehousing

099760

R

R

R

R

R

R

R

Toll Bridges

049292

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

RETL

page 44 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

Tool Manufacturing - Accessories, NOC

059781

INPR

R

R

G

G

G

G

G

Tool Manufacturing - Hand Type - Not Powered

059782

INPR

R

R

G

G

G

G

G

Tool Manufacturing - Hand Type - Powered

059783

R

R

R

R

R

Y

R

Tool Manufacturing - Power Equipment - Household Type - Outdoor or
Workshop

059784

R

R

R

R

R

Y

R

Towers-Telecommunication-Existence Hazard Only (Lessors Risk Only)

049305

R

R

R

R

R

R

R

Townhouses or Similar Associations (Association Risk Only)

R

R

R

R

R

R

R

Toy Store

131518

068500
018834

RETL

G

R

G

G

G

G

G

Toy Store - Wholesale

131520

018833

WHLS

R

R

R

R

R

R

R

R

R

R

R

R

Y

R

R

R

R

R

R

R

R

R

R

Y

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

R

Y

R

R

R

R

R

R

R

R

Toys or Games Manufacturing

059790

Trailer Dealer

019795

Trailer Rental

019796

Trailers Mfg.

059798

Travel Agency Tours

049333

Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating

099777

Truck Mfg. or Assembling

059806

Truckers

099793

Tunneling

099798

R

R

R

R

R

R

R

Turpentine or Resin Mfg.

059867

R

R

R

R

R

R

R

Twine or Cordage Mfg.

059886

R

R

R

R

R

R

R

Umbrella or Cane Mfg.

059889

R

R

R

R

R

R

R

Underpinning Buildings or Structures

099803

R

R

R

R

R

R

R

G

R

G

G

G

G

G

Y

G

Y

G

G

Uniform Store

131522

011127

SERV

CONT

RETL

Upholstering - Shop Only

099827

R

R

Upholstering, NOC

099826

R

R

Y

G

Y

G

G

Vacant Buildings - Not Factories

068606

R

R

R

R

R

R

R

Vacant Buildings-Factories

068604

R

R

R

R

R

R

R

Vacant Buildings-Not Factories-Not-For-Profit Only

068607

R

R

R

R

R

R

R

Vacant Land

049451

R

R

R

Y

R

Y

Y

Vacant Land-Not-For-Profit Only

049452

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

CONT

page 45 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

R

R

R

R

R

Valves Mfg.

059892

R

R

Variety Stores

018911

R

R

Y

Y

Y

G

Y

Variety Stores-Not-For-Profit Only

018912

R

R

R

R

R

R

R

Vegetable Oil Mfg.

059905

R

R

R

R

R

R

R

Vegetable Oil Mfg.-By Solvent Extraction

059904

R

R

R

R

R

R

R

Vending Machine Operations - Confection, Food, Beverage or Ice

049617

R

R

Y

Y

Y

Y

Y

Vending Machine Operations, NOC

049619

R

R

Y

Y

Y

Y

Y

Vending Machines Mfg.

059915

R

R

R

R

R

R

R

Vending Machines Operations - Tobacco Products

049618

R

R

R

R

R

Y

R

Venetian Blinds Mfg. or Assembling

059917

R

R

R

R

R

R

R

SERV

G

R

G

G

Y

G

G

Veterinarian or Veterinary Hospital

131524

099851

Video and DVD

131526

018920

RETL

G

R

G

G

G

G

G

Video and DVD - Wholesale

131528

012362

WHLS

R

R

G

G

G

G

G

Warehouse - cold individual storage lockers

049673

R

R

Y

Y

R

Y

Y

Warehouse-Cold Individual Storage Lockers

049763

R

R

R

R

R

R

R

Warehouses

099938

R

R

Y

Y

R

Y

Y

Warehouses - cold storage - public

099917

R

R

Y

Y

R

Y

Y

Warehouses - mini-warehouses

018991

R

R

Y

Y

R

Y

Y

Warehouses - occupied by multiple interests (Lessors Risk only)

068702

R

R

Y

Y

R

Y

Y

Warehouses - occupied by single interest (Lessors Risk only)

068703

R

R

Y

Y

R

Y

Y

Warehouses - private - other than Not-For-Profit

068706

R

R

Y

Y

R

Y

Y

Warehouses - private - Not-For-Profit only

068707

R

R

Y

Y

R

Y

Y

Washing Machines, Dryers or Irons - coin meter type

019007

R

R

Y

Y

Y

Y

Y

Watch or Watch Case Manufacturing

059923

R

R

Y

Y

Y

Y

Y

Water Bottling-In Siphons

059925

R

R

G

G

G

G

G

Water Bottling-Spring or Well-Not Sparkling or Carbonated

059926

R

R

G

G

G

G

G

Water Bottling-Spring or Well-Sparkling or Carbonated

059927

R

R

R

R

R

R

R

Water Companies

099943

R

R

R

R

R

R

R

Water Mains or Connections Construction

099946

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 46 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

MAP
Class
Code

ISO
GLClass
Code

Water Softening & Conditioning - Equipment, Service & Supplies

131530

Water Softening Equipment - Installation, Servicing or Repair

132032

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

016527

SERV

G

R

G

G

R

G

G

099948

CONT

G

R

G

G

Y

G

G

R

R

R

R

R

Y

R

Water Softening Equipment - Rented to Others

019051

Waterproofing

099955

CONT

R

R

Y

R

R

Y

R

Waterproofing - by pressure apparatus

099952

CONT

R

R

Y

R

R

Y

R

Waterproofing - by trowel - exterior

099953

CONT

R

R

Y

R

R

Y

R

Waterproofing - by trowel - interior or insulation work

099954

CONT

R

R

Y

R

R

Y

R

Wax or Wax Products Mfg.

059931

R

R

R

R

R

R

R

Wax, Wax Products, or Polish Mfg.-Floor

059932

R

R

R

R

R

R

R

Weighers, Samplers or Inspectors of Merchandise-on Vessels or Docks
or at Railway Stations or Warehouses

099963

R

R

R

R

R

R

R

Welding or Cutting

099969

R

R

Y

Y

R

Y

Y

Wharf and Waterfront Property-Ferry Docks or Terminals

049800

R

R

R

R

R

R

R

Wharf and Waterfront Property-Not Occupied by the Insured (Lessorðs
Risk Only)

049802

R

R

R

R

R

R

R

Wharf and Waterfront Property-Occupied by the Insured for Both
Freight and Passenger Purposes

049801

R

R

R

R

R

R

R

Wharf and Waterfront Property-Occupied by the Insured for Freight
Purposes Exclusively

049803

R

R

R

R

R

R

R

Wheel Mfg.

059941

R

R

R

R

R

R

R

Wicker, Rattan, Willow or Twisted Fiber Products Manufacturing

059947

R

R

R

R

R

R

R

CONT

Wigs and Hairpieces

131532

018437

RETL

G

R

G

G

G

G

G

Wigs and Hairpieces - Wholesale

131534

012362

WHLS

G

R

G

G

G

G

G

Wigs or Hairpieces Manufacturing

059955

R

R

R

R

R

Y

R

Wind Farms-Off-Shore

099083

R

R

R

R

R

R

R

Wind Farms-On-Shore

099082

R

R

R

R

R

R

R

Wind Turbine Contractors-Installation, Service, or Repair-Off-Shore

099085

R

R

R

R

R

R

R

Wind Turbine Contractors-Installation, Service, or Repair-On-Shore

099086

R

R

R

R

R

R

R

Wind Turbines-Existence Hazard Only (Lessorðs Risk Only)

097504

R

R

R

R

R

R

R

Wind Turbines-Existence Hazard Only (Owner-Operated)

097503

R

R

R

R

R

R

R

Window Cleaning

099975

R

R

R

R

R

G

R

Window Decorating

049840

R

R

G

G

G

G

G

G

R

G

G

Y

G

G

Window Treatment - Including Blinds and Draperies

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

131536

018437

RETL

page 47 of 48 pages

Merchants Mutual Insurance Company
Merchants Preferred Insurance Company

Risk Appetite Guide - Quick Reference (All States)
Business Description

Window Treatment - Including Blinds and Draperies - Wholesale

MAP
Class
Code

ISO
GLClass
Code

131538

012362

Auto
Repair
Class
Code

Market
Segment

MAP
Symbol

Auto
Repair
Symbol

Property
Symbol

General
Liability
Symbol

Worker's
Comp
Symbol

Commericial
Auto Symbol

Umbrella
Symbol

WHLS

G

R

G

G

Y

G

G

Wine Mfg.-Sparkling

059963

R

R

R

R

R

R

R

Wine Mfg.-Still

059964

R

R

R

R

R

R

R

Wire Cloth Manufacturing

059970

R

R

R

R

R

Y

R

Wire Drawing

059973

INPR

R

R

G

G

G

G

G

Wire Goods Manufacturing, NOC

059975

INPR

R

R

G

G

G

G

G

Wire Rope or Cable Manufacturing - Metal

059977

R

R

R

R

R

Y

R

Wood Preserving

059984

R

R

R

R

R

R

R

Wood Products Manufacturing, NOC

059985

R

R

Y

Y

R

Y

Y

Wood Turned Products Manufacturing, NOC

059986

R

R

Y

Y

R

Y

Y

Wool Combing, Scouring or Separating from Cotton

059988

R

R

R

R

R

R

R

Wool Combing, Scouring, or Separating from Cotton

059988

R

R

R

R

R

R

R

Wool Pulling

059989

R

R

R

R

R

R

R

Wrecking - buildings or structures

099986

R

R

R

R

R

R

R

Wrecking - dismantling of prefabricated dwellings not exceeding three
stories for re-erection

099987

R

R

R

R

R

R

R

Wrecking - marine

099988

R

R

R

R

R

R

R

Youth Recreation Program

049890

R

R

R

R

R

R

R

Youth Recreation Programs-Not-For-Profit Only

049891

R

R

R

R

R

R

R

YMCA, YWCA or Similar Institution

049870

R

R

R

R

R

R

R

Zoos or Aquarium

049902

R

R

R

R

R

R

R

Zoos-Not-For-Profit Only

049903

R

R

R

R

R

R

R

Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential

page 48 of 48 pages



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