Coverage Availability

Covered Activities

• Aerobics Instructors
• Barbers
• Cosmetologists
• Dance Instructors
• Estheticians
• Fitness Instructors
• Golf Instructors
• Hair Stylists
• Martial Arts Instructors
• Nail Artists
• Personal Trainers
• Salon Owners
• Spa Owners
• Spin Instructors
• Swim Instructors
• Tai Chi Instructors
• Yoga Instructors

Excluded Activities

• Acupuncture Services
• Massage Therapists
• Occupational Therapists
• Physical Therapists
• Tattoo or Piercing Artists
• Certain specified spa services

Covered Activities

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

Optional Add-Ons

• Exterior Painting
• Floor Waxing
• HVAC
• Plastering
• Plumbing (other than a leaky faucet or toilet)
• Snow / Ice Removal

Excluded Activities

• Inspectors
• Floor waxing during business hours or in commercial buildings with heavy foot traffic(malls, grocery / convenience / drug stores, hospitals, airports)
• Performing Work over Three Stories in Height(30 Feet)

Covered Activities

• AV Installation
• Business Consultants
• Car AV Installation
• Classroom Instruction
• Computer Programming
• Computer Repair
• Creative Directors
• Financial Consultants
• Graphic Designers
• House Sitting
• Interior Decorating
• IT Consultants
• Marketing Consultants
• Personal Shoppers
• Photography & Videography
• Sound Recordists
• Speakers
• Web Developers
• Writers

Optional Add-Ons

• Printing
• Sign Installation

Excluded Activities

• Adult Film Operations
• Alarm System Monitoring
• Any acts or services performed by an unlicensed or uncertified insured if such licensing or certification is required by law
• Babysitters and Nannies
• Bouncers
• Elderly Care
• Financial Planners
• Home Health Care
• Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
• Inspectors
• Investment Advisors
• Lifeguards
• Mortgage Bankers or Investment Bankers
• Registered Representatives or Brokers/Dealers of Securities or Commodities
• Rideshare Drivers
• Roadside Assistance
• Security Guards
• Traffic Control
• Training or Instruction Demonstrated on Real Patients

Covered Activities

• Events
• Actors
• Corporate Party Planners
• Event Staff
• Food / Catering (No Bartending)
• Individual event participants (not the event itself)
• Musicians
• Speakers
• Wedding Planners

• Entertainment
• Balloon Artists
• Belly Dancers
• Caricature Artists
• Celebrity Look-a-Likes
• Clowns
• Comedians
• Contortionists
• DJs
• Face Painters
• Impersonators
• Impressionists
• Jugglers
• Magicians
• Mimes
• Musicians
• Musical Conductors
• Poets
• Puppeteers
• Santas
• Storytellers
• Street Performers
• Ventriloquists

• Guides
• Canoe & Kayak Guides / Instructors
• Fishing Guides
• Float Trip Guides
• Hiking Guides
• Tour Guides
• Nature and Wildlife Guides
• Stand Up Paddleboard (SUP) Guides

Excluded Activites

• Acrobatic, Aerialist, or Stunt Performers
• Adult Film Operations
• Amusement Device, Rides or Inflatables (including Bouncy Castles) Operators or Rental
• ATV Tours
• Bartenders
• Bouncers
• Equipment Rental
• Event Promoters
• Exotic Dancers, Strippers, or Adult Entertainment
• Fireworks
• Horseback Trail Rides
• Hunt Clubs
• Hypnotists
• Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting marijuana or any other product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
• Importing, manufacturing, growing, distributing, storing, selling, using, or ingesting tobacco or products containing tobacco
• Operations Involving Non-Domestic Animals
• Operations Involving Weapons
• Participating in Protests, Rallies and/or Marches
• Rock Climbing
• Security Guards
• Skiing or Snowboarding Guides
• Traffic Control
• White Water Rafting Guides
• Wrestling or MMA-related activities

Covered Activities

• AV Installation
• Alarm Systems Installation & Repair
• Carpentry
• Carpentry - Interior
• Carpet Cleaners
• Closet Installation
• Contractors
• Debris Removal
• Deck Building
• Electrical
• Fence Building
• Finish Carpentry
• Finishing Contractors
• Flooring
• Furniture Assembly (No Cribs or Bunk Beds)
• Furniture Installation - Office
• Furniture Refinishing
• Glaziers
• Gutter Cleaning
• Handypersons
• Interior Painting
• Invisible Fence Installation
• Locksmiths
• Masonry
• Millwork
• Office Machine Installation and Repair
• Painting & Siding
• Piano Tuning
• Seal Coating
• Siding
• Small Contractors including Finishing Contractors
• Smart Home Installation
• Surveillance System Installation & Maintenance
• Surveyors
• Swimming Pool Servicing (no construction)
• Tiling
• Upholstering
• Wallpapering
• Walls
• Window Cleaning
• Window Decorating

Optional Add-Ons

• Appliance Installation
• Chimney Cleaning
• Concrete Construction
• Exterior Painting
• Floor Waxing
• HVAC
• Plastering
• Plumbing (other than a leaky faucet or toilet)
• Snow / Ice Removal
• Sign Installation

Excluded Activities

• Alarm System Monitoring
• Assembly of Cribs or Bunk Beds
• Fire or Water Mitigation or Restoration
• Foundation Work or Repair
• Grading or Excavating
• Installation Servicing or Repair
• Machinery or Equipment Repair (Other Than Office Machines and Household Appliances)
• Performing Work over Three Stories in Height (30 feet)
• Performing work for the oil and gas industry
• Pool Construction
• Roadside Assistance
• Roofing Work or Repair
• Street, Road and Highway Work
• Those Specializing in Garage Door Installation, Servicing or Repair
• Traffic Control
• Welding
• Work on 10 or More New Homes or New Residential Units in Any One Project or Development

Covered Activities

• Landscaping
• Lawn & Yard Maintenance
• Pesticide Application (Landscapers Only)
• Trimming or Pruning Trees Exclusively at Ground Level (No Removals)

Optional Add-Ons

• Chimney Cleaning
• Concrete Construction
• Plastering
• Plumbing (other than a leaky faucet or toilet)
• Snow / Ice Removal

Excluded Activities

• Aerial Crop Spraying
• Bedbug Remediation
• Fumigation / Use of Gas
• Grading or Excavating
• Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
• Highway or Right of Way Maintenance
• Pool Construction
• Termite Inspection or Remediation
• Use of pesticides that are not EPA approved
• Performing Work over Three Stories in Height (30 Feet)
• Work performed before or after the policy period

Covered Activities

• Pet Grooming
• Pet Sitting
• Pet Training
• Pet Walking