Merchants Appetite Guide
User Manual:
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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
Risk Appetite Guide – Quick Reference (All States Except NJ) Effective Date: 06/2017
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.
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 1 of 48 pages
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 CONT R R G R Y G R
Alarms-Security Systems-Monitoring 091130 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 2 of 48 pages
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-For-
Profit
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 Fairs-
Not-For-Profit Only
040042 R R R R R R R
Amusement Devices-Operated in Connection with Carnivals or Fairs-
Other 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 091150 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
Appliances and Accessories Mfg.-Commercial-Gas 051220 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 3 of 48 pages
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-For-
Profit
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 R R R R R R R
Automobile Repair or Service Shops, NOC 010073 909323 SERV R G G G G G G
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 4 of 48 pages
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
Automobile Repair Shops - Self Service - No Body Repair 010075 R R R R R Y R
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 5 of 48 pages
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
Beauty and Hair Styling Salon 131026 010113 SERV G R G G Y G Y
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 G
Beverage - Wholesale - Non-Alcoholic and Beer 131032 010141 WHLS 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
Beverage Store - Non-Alcoholic and Beer 131034 010146 RETL G R G G G G G
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 SERV 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 6 of 48 pages
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
Bookbinders, Equipment & Supplies 131036 051516 SERV G R G G G G G
Bookbinding-Not-For-Profit Only 051517 R R R R R R R
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 7 of 48 pages
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
Bottle and Jar Mfg.-Plastic-Returnable 051554 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 909324 R G G G G G G
Brick Mfg. 051600 R R R R R R R
Bridal and Tuxedo Shop - Retail 131048 011127 RETL G R G G G G G
Bridal and Tuxedo Shop - Wholesale 131050 011126 WHLS G R G G G G G
Bridge or Elevated Highway Construction-Concrete 091266 R 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
Building - Owner Occupied (25% or More Occupied by Owner) USEBPP 061212 G R R R Y G G
Building or Premises - Bank and other financial institutions 061223 OFFC 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 8 of 48 pages
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
Bus Mfg. or Assembling or Reconstruction 051625 R R R R R R R
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
Cabinet Makers and Installers 132001 091341 CONT G R Y Y Y G G
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. 051741 R R R R R R R
Candle Shop 131072 013506 RETL G R G G G G G
Candle Shop - Wholesale 131074 012362 WHLS G R G G G G G
Candy or Confectionery Products Manufacturing 051752 inpr R R G G G G G
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 9 of 48 pages
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 Not-
For-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
Carpet or Rug Mfg. 051777 R R R R R R R
Carpet, Rug and Upholstery Cleaning 132040 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
Ceiling and Wall Panel Installation 132004 092338 CONT G R G G Y G G
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
Cement and Concrete Finishing and Surfacing 132005 091560 CONT G R G G Y G G
Cement or Plaster Mfg.-Bulk 051809 R R R R R R R
Cement, Concrete Mix or Plaster Mfg.-Packaged 051808 R R R R R R R
Cemeteries 041603 INST R R G Y Y G Y
Cemeteries-Not-For-Profit Only 041604 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 10 of 48 pages
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
Cemetery Supplies and Monuments 131090 059482 RETL R R G G Y G G
Ceramic, Pottery, China Shop 131092 013506 RETL G R G G G G G
Ceramic, Pottery, China Shop - Wholesale 131094 012362 WHLS G R G G G G G
Chairs-Rented to Others 011052 R R R R R R R
Charcoal or Coal Briquette Mfg. 051833 R R R R R R R
Cheese Store 131096 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
Clock Mfg. 051889 INPR R R G G G G G
Clock, Watch, and Jewelry Repair 131104 055802 SERV G R G G G G G
Clothing or Wearing Apparel Distributors 011126 R R Y Y Y G Y
Clothing or Wearing Apparel Stores 011127 MERC R R Y Y Y G Y
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 11 of 48 pages
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
Clothing or Wearing Apparel Stores-Not-For-Profit Only 011128 R R R R R R R
Clothing Manufacturing 051896 INPR R R G G G G G
Clothing Repair Shops/Tailors 018506 G R G G G G G
Clothing Repair Shops/Tailors 131106 051896 SERV G R G G G G G
Clubs - Civic, Service or Social - Having Buildings or Premises Owned
or Leased
041667 R R Y R R Y R
Clubs - Country or Golf 011138 SERV 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
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
Coffins or Caskets Mfg. 051900 R R G 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 12 of 48 pages
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
Computer Service or Repair 131114 091555 SERV G R G G G G G
Computer Software Mfg.-Pre-Packaged 051942 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 132006 091560 CONT 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 13 of 48 pages
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 CONT 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
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 INPR 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
Cutlery (Not Powered) and Flatware Mfg. 051999 R R R R R R R
Dairy Products - Wholesale 131130 011258 WHLS G R Y Y R G G
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 14 of 48 pages
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
Dairy Products or Butter and Egg Stores-Not-For-Profit Only 011259 R R R R R R R
Dairy Products Manufacturing 052002 INPR R R G G G G G
Dairy Products Store 131132 011258 RETL G R Y Y R G G
Dam or Reservoir Construction 091618 R R R R R R R
Dam, Levee or Dike-Existence Hazard Only 041700 R R R R R R R
Dance Clothing and Supplies 131134 011127 RETL 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
Day Spa 131136 018200 SERV G R Y Y Y G Y
Debris Removal-Construction Site 091629 R R Y Y Y Y Y
Delicatessen/Sandwich Shop - Limited Cooking 131138 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 R G G Y G 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
Diagnostic Testing Laboratory 131146 046112 SERV G R G G Y G G
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 15 of 48 pages
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
Door and Window Erection 132007 091746 CONT G R G G Y G G
Door or Window Mfg.-Other Than Wood 052134 R R G 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 092054 R R R R R R R
Drilling - Water 132008 092102 CONT G R Y Y Y G G
Drilling-Other Than Water 092101 R R R R R R R
Driveway, Parking Area or Sidewalk - Paving or Repaving 132009 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
Drug Store 131152 012375 RETL R R Y R R R R
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 052402 R R R R R R R
Drywall Installation 132010 092338 CONT 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 HABT 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 16 of 48 pages
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
Electric Light or Power Line Construction-Rural Utilities Service Projects
Only
092447 R R R R R R R
Electrical and Lighting Store 131154 018437 RETL G R G G G G G
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
Electrical Apparatus Installation, Servicing or Repair, NOC 092451 R R G Y Y G Y
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 132012 092478 CONT 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
Electronic Repair 131166 099650 SERV G R G G G G G
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 052619 R R R R R R R
Engraving 131168 052660 SERV 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 CONT 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 17 of 48 pages
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-For-
Profit
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 18 of 48 pages
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
Fence Dealer - Wholesale 131176 012651 WHLS G R G G G G G
Fence Installation 132013 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 MERC 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 094590 R R R R R R R
Florist 131180 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 2099 R R Y Y R G Y
Forestry Service 043822 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 19 of 48 pages
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
Forging Work 053403 R R R R R R R
Formal Wear or Costumes - Rented To Others 131182 012927 RETL G R G G G G G
Foundries 053425 R R R R R R R
Freight Forwarders or Handlers-Other Than Packing, Handling or
Shipping Explosives or Ammunition under Contract
094617 INPR R R Y Y R R R
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
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 043860 R R R R R R R
Funeral Home 131188 043889 SERV 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 MERC 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
Furniture Store 131190 013351 RETL G R G G Y G G
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 20 of 48 pages
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
Garbage Works-Separation for Recycling, Reduction or Incineration 043946 R R R R R R R
Garbage, Ash or Refuse Collecting 095233 INPR 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 013507 R R R R R R R
Gift, Souvenir or Novelty Store 131192 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. 054077 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 21 of 48 pages
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
Glaziers 132015 013590 CONT G R G G G G G
Golf Courses - Miniature 044069 R R R R R Y R
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
Golfmobiles - Loaned or Rented to Others 044072 R R R R R R R
Gourmet and Specialty Food 131206 018435 RETL G R Y Y G G G
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 131208 013670 WHLS Y R Y Y Y Y Y
Grocery Stores, NOC 013673 MERC R R Y Y Y Y Y
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 22 of 48 pages
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
Halls-Not-For-Profit Only 044277 R R R R R R R
Handyman 132016 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 Not-
For-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-For-
Profit 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 23 of 48 pages
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 INPR 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 064075 R R R R R R R
Household Furnishings Installation and Repair 132017 096053 CONT 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 045225 R R R R R R R
Ice Cream and Yogurt Store 131224 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 24 of 48 pages
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
Interior Decorator 132018 096611 CONT G R G G Y G G
Internet Access Provider 047600 R R R R R G R
Internet Auctions 016751 R R R R R R R
Internet Retailers 016750 MERC 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
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 R R R R R R R
Jewelry Manufacturing 055802 INPR R R G G G G G
Junk Dealers 045380 R R R R R R R
Kennel - Breeding, Boarding or Sales 131232 045450 SERV G R G G Y G G
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
Labor Union Offices 065007 R R Y Y Y G 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 25 of 48 pages
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
Landscape Gardening 132020 097047 CONT G R G G Y G G
Laundries and Dry Cleaning Plants 045678 INPR R R Y Y R G Y
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
Laundry and Dry Cleaning Stores 014733 R R R R R G 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 132021 098483 CONT G R G G Y G G
Lawyers Offices-Not-For-Profit Only 066123 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
Leather Goods 131242 011127 RETL G R G G G G G
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
Liquor - Wholesale 131246 010140 WHLS G R G G G G G
Liquor Mfg. 056488 R R R R R R R
Liquor Store 131248 010145 RETL G R G G G G G
Livestock Dealers or Commission Merchants 014855 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 26 of 48 pages
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
Livestock Sales Cos. 045771 R R R R R R R
Locksmith 014913 CONT 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
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
Lumberyards 045819 R R R R R R R
Machine Shop, NOC 097220 INPR R R G G G G G
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 MERC 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 5084 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 131254 015070 SERV G R G Y G G G
Mail Order or Online Drug Stores 045900 R R R R R R R
Mail Order House 045901 R R G Y G G Y
Mailing or Addressing Company 131256 045937 SERV G R G G G G G
Manufacturers 054444 R 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 27 of 48 pages
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
Masonry Work 132022 097447 CONT G R G G Y G G
Match Mfg. 056690 R R R R R R R
Maternity Shop 131258 011127 RETL G R G G G G G
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 046005 R R R R R R R
Meat, Fish, Poultry or Seafood 131260 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 INPR 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 28 of 48 pages
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
Metal Erection-Steel Lock Gates, Gasholders, Standpipes, Water
Towers, Smokestacks, Tanks, Silos, Prison Cells, Fire or Burglarproof
Vaults
097654 R R R R R R R
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 INPR 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 29 of 48 pages
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
Museums-Not-For-Profit Only 046427 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
Musical Instrument Manufacturing 057257 R R Y Y Y G Y
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
Newsstands 131274 015608 RETL G R G G G G G
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
Office Machines or Appliances - Installation, Inspection, Adjustment or
Repair
098111 R R G G G G G
Office Machines Manufacturing 057572 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 30 of 48 pages
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
Office: Answering Service 131292 061226 OFFC G R G G G G G
Office: Appraisal and Inspection Service 131294 096317 OFFC G R G G G G G
Office: Audio Consultant 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
Office: Consultants - NOC 041677 OFFC R R Y Y Y Y Y
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 31 of 48 pages
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
Office: Medical Billing Service 131346 061226 OFFC G R G G G G G
Office: Medical, NOC 131348 066561 OFFC G R G G G G G
Office: Mortgage Broker 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
Office: Payroll Accounting Service 061226 R R Y Y Y Y Y
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 32 of 48 pages
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
Office: Website Designer 131400 096930 OFFC G R Y Y G G G
Office: Word Processing Service 131402 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 CONT 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
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
Paint, Varnish, Shellac or Lacquer Mfg. 057690 R R R R R R R
Paint, Wallpaper or Wallcovering 131408 015991 RETL G R G G G G G
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 33 of 48 pages
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
Paint, Wallpaper or Wallcovering (Retail/Installation Market Segment) 131412 098305 RTIN G R G G G G G
Paint, Wallpaper or Wallcovering - Wholesale 131410 012362 WHLS G R G G G G G
Painting - Exterior Buildings or Structures - Not Exceeding Three
Stories in Height
098304 CONT R R G Y Y G Y
Painting - Shop Only 098308 R R Y G Y G G
Painting and Paperhanging 132025 098305 CONT G R G G G G G
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
Paper, Rag or Rubber Stock Dealers and Distributors-Secondhand 016009 R R R R R R R
Paperhanging 098344 CONT R R G G Y G G
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 34 of 48 pages
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
Pencil, Pen, Crayon or Chalk Mfg. 057871 R R R R R R R
Pencil, Pen, Crayon, or Chalk Mfg. 057871 R R R R R R R
Pest Control Services 043470 R R R R R G R
Pet Day Care 131418 016404 SERV G R Y Y Y G G
Pet Food Mfg. 057913 R R R R R R R
Pet Grooming 131420 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 046773 R R R R R Y R
Pictures or Frames 131434 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 35 of 48 pages
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
Pipes or Tubes Mfg.-Metal 058009 INPR R R G G G G G
Pipes or Tubes Mfg.-Plastic 058010 R 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
Plastic or Rubber Goods Mfg.-Household 058057 R 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 058056 R R R R R R R
Plumbing 132027 098483 CONT 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
Plumbing Supplies and Fixtures 131446 016527 RETL G R G 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 CONT 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
Printing 131452 058408 SERV G R G G G G G
Printing Supplies 131454 016588 RETL G R G G G G G
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 36 of 48 pages
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
Printing Supplies - Wholesale 131456 016588 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 37 of 48 pages
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
Real Estate Development Property 047051 R R R Y R Y Y
Real Estate Property Managed 047052 CONT 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
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
total annual receipts of the restaurants - bar service only (no tables):
without dance floor
016941 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 38 of 48 pages
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 39 of 48 pages
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
Sand or Gravel Digging 098710 Cont R R R R R R R
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-For-
Profit 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 132028 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 40 of 48 pages
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
Sewer Cleaning 098813 INPR R R Y Y Y G Y
Sewer Mains or Connections Construction 098820 R 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
Sheet Metal Work 132029 098884 CONT G R G Y Y G Y
Sheet Metal Work - Outside 098884 R R R R R G R
Sheet Metal Work - Shop Only 058922 INPR R R G G Y G G
Shelters, Mission, Settlement or Halfway Houses - Not Church or Office
Buildings
067017 R R 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
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
Shoe, Boot or Slipper Mfg. 059005 R R R R R R R
Shop - Work shop in connection with Contracting operation. 132034 068706 CONT 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
Siding Installation 132030 098967 CONT G R Y Y R G Y
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 41 of 48 pages
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. 059189 R R R R R R R
Snow and Ice Removal 132037 099310 CONT 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 MERC 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 RETL 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 42 of 48 pages
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 059482 R R G G Y G G
Storage Building - in connection with a food occupancy 131496 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 CONT 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
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 43 of 48 pages
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 048808 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 132042 099505 CONT 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
Tailoring or Dressmaking Service - Custom 131514 018507 SERV 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
Taxidermist 131516 049005 SERV G R G G G G G
Telecommunication Equipment Mfg. 059695 R R 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 44 of 48 pages
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
Telegraph Cos. 099614 R R R R R R R
Telephone, Telegraph, or Cable Television Line Construction 099613 CONT 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
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 RETL 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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 45 of 48 pages
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) 068500 R R R R R R R
Toy Store 131518 018834 RETL G R G G G G G
Toy Store - Wholesale 131520 018833 WHLS R R R R R R R
Toys or Games Manufacturing 059790 R R R R R Y R
Trailer Dealer 019795 R R R R R R R
Trailer Rental 019796 SERV R R Y R R R R
Trailers Mfg. 059798 R R R R R R R
Travel Agency Tours 049333 R R R R R R R
Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating 099777 CONT R R R R R Y R
Truck Mfg. or Assembling 059806 R R R R R R R
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
Uniform Store 131522 011127 RETL G R G G G G G
Upholstering - Shop Only 099827 R R Y G Y G G
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 CONT R R R Y R Y Y
Vacant Land-Not-For-Profit Only 049452 R R R R R R R
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 46 of 48 pages
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
Valves Mfg. 059892 R R R R R 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
Veterinarian or Veterinary Hospital 131524 099851 SERV G R G G Y G G
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
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 47 of 48 pages
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
Water Softening & Conditioning - Equipment, Service & Supplies 131530 016527 SERV G R G G R G G
Water Softening Equipment - Installation, Servicing or Repair 132032 099948 CONT G R G G Y G G
Water Softening Equipment - Rented to Others 019051 R R R R R Y R
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 CONT 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
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
Window Treatment - Including Blinds and Draperies 131536 018437 RETL G R G G Y G G
Merchants Mutual Insurance Company
Merchants Preferred Insurance Company
Risk Appetite Guide - Quick Reference (All States)
Risk Appetite Guide - Quick Reference (All States)
062017 - Proprietary & Confidential
page 48 of 48 pages
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
Window Treatment - Including Blinds and Draperies - Wholesale 131538 012362 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
