Procedures Manual
Table of Contents
Section XIV - APPENDIX: Coverage Codes
| Peril Code |
Coverage Code |
Description | Fire Coverage Only Premium Portion |
|---|---|---|---|
| 10 | FIRE (INCLUDING EXCESS) | ||
| 1001 | FIRE ONLY (REAL PROPERTY) | 100% | |
| 1001A | FIRE ONLY (PERSONAL PROPERTY) | 100% | |
| 1002 | FIRE & ALLIED LINES (REAL PROPERTY) | 90% | |
| 1002A | FIRE & ALLIED LINES (PERSONAL PROPERTY) | 90% | |
| 1004 | EXCESS OF LOSS (REAL PROPERTY) | 75% | |
| 1004A | EXCESS OF LOSS (PERSONAL PROPERTY) | 75% | |
| 15 | WIND, HAIL | ||
| 1501 | CROP, HAIL | ||
| 1502 | TORNADO, CYCLONE, WIND, HAIL (REAL PROPERTY) | ||
| 1502A | TORNADO,CYCLONE,WIND,HAIL (PERSONAL PROPERTY) | ||
| 17 | ADDITIONAL PROPERTY COVERAGE | ||
| 1701 | LEAKAGE OF SPRINKLERS (REAL PROPERTY) | ||
| 1701A | LEAKAGE OF SPRINKLERS (PERSONAL PROPERTY) | ||
| 1702 | EXPLOSION, RIOT & CIVIL COMMOTION (REAL PROPERTY) | ||
| 1702A | EXPLOSION, RIOT & CIVIL COMMOTION (PERSONAL PROPERTY) | ||
| 1703 | EARTHQUAKE (REAL PROPERTY) | ||
| 1703A | EARTHQUAKE (PERSONAL PROPERTY) | ||
| 1704 | BLANKET FORM (REAL PROPERTY) | ||
| 1704A | BLANKET FORM (PERSONAL PROPERTY) | ||
| 1705 | WATER DAMAGE (REAL PROPERTY) | ||
| 1705A | WATER DAMAGE (PERSONAL PROPERTY) | ||
| 1706 | BUSINESS INTERRUPTION,TIME ELEMENT,OR SIMILAR TIME | ||
| 1707 | PRIMARY/EXCESS COMML PROP WHERE TIV EXCEEDS $200M | ||
| 1708 | PRIMARY/EXCESS PROP VACANT UNOCCUPIED COMML BLDGS | ||
| 20 | MULTIPLE PERIL | ||
| 2001 | FARM OWNERS | 50% | |
| 2002 | HOME OWNERS | 50% | |
| 2003 | COMMERCIAL (SMP) | 50% | |
| 22 | ALL RISK | ||
| 2201 | REAL PROPERTY | 75% | |
| 23 | Residual Value | ||
| 2301 | ALL CLASSES / RESIDUAL VALUE | ||
| 25 | MARINE (Non-Exempt Lines Only) | ||
| 2501 | ALL CLASSES /MARINE | 15% | |
| 2502 | WATERCRAFT | 15% | |
| 30 | INLAND MARINE | ||
| 3001 | JEWELERS BLOCK | 15% | |
| 3002 | FURRIERS BLOCK | 15% | |
| 3003 | BUSINESS & PERSONAL FLOATERS | 15% | |
| 3004 | BUILDERS RISK | 75% | |
| 3005 | MOTOR TRUCK CARGO | 15% | |
| 3007 | ALL OTHERS /INLAND MARINE | 15% | |
| 32 | AVIATION | ||
| 3201 | AIRCRAFT PHYSICAL DAMAGE | 10% | |
| 3202 | ALL OTHERS/AVIATION | ||
| 35 | GLASS | ||
| 3501 | ALL CLASSES / GLASS | ||
| 37 | ANIMAL | ||
| 3701 | ALL CLASSES / ANIMAL | ||
| 40 | AUTO LIABILITY (BI & PD) | ||
| 4001 | PRIVATE PASSENGER (EXCESS) | ||
| 4002 | COMMERCIAL (PRIMARY / EXCESS) | ||
| 4003 | ALL OTHERS / AUTO LIABILITY | ||
| 45 | AUTO PHYSICAL DAMAGE | ||
| 4501 | PRIVATE PASSENGER | 15% | |
| 4502 | COMMERCIAL | 15% | |
| 4503 | GARAGE KEEPERS LEGAL LIABILITY | 15% | |
| 4504 | DEALERS OPEN LOT | 15% | |
| 4505 | MECHANICAL BREAKDOWN COVERAGE | ||
| 48 | FIDELITY AND SURETY | ||
| 4801 | FIDELITY AND FORGERY (FIDUCIARY LIABILITY) | ||
| 4802 | BANKERS BLANKET BOND | ||
| 4803 | PERFORMANCE BOND | ||
| 4804 | SURETY BOND | ||
| 4805 | SURETY FOR SMALL AND MINORITY CONTRACTORS | ||
| 4806 | MISCELLANEOUS BOND | ||
| 4807 | ADOPTION REIMBURSEMENT BOND | ||
| 50 | GENERAL LIABILITY (BI & PD) | ||
| 5001 | MANUFACTURERS & CONTRACTORS (INCL. COMPL. OPNS.) | ||
| 5002 | OWNERS, LANDLORDS, & TENANTS | ||
| 5003 | OWNERS, CONTRACTORS PROTECTIVE | ||
| 5004 | PRODUCTS (INCLUDING EXCESS) | ||
| 5005 | MUNICIPAL | ||
| 5006 | PUBLIC SCHOOL | ||
| 5008 | CONTRACTUAL | ||
| 5011 | EXCESS LIABILITY | ||
| 5011A | CONTRACTORS EXCESS LIABILITY | ||
| 5013 | POLICE, LAW ENFORCEMENT | ||
| 5014 | ASBESTOS ABATEMENT, REMOVAL CONTRACTORS | ||
| 5015 | PARK DISTRICTS & ALL OTHER POLITICAL SUBDIVISIONS | ||
| 5016 | LABOR, FRATERNAL, & RELIGIOUS ORGANIZATIONS | ||
| 5017 | SOCIAL SERVICES LIABILITY | ||
| 5020 | SPECIAL EVENTS | ||
| 5021 | HOMES FOR THE AGED, CONVALESCENT HOMES | ||
| 5022 | FAMILY (IN HOME) CHILD CARE | ||
| 5023 | CHILD CARE, ALL OTHER | ||
| 5024 | SKI-AREA LIABILITY | ||
| 5025 | WINTER RECREATIONAL FACILITIES | ||
| 5026 | SNOWMOBILE LIABILITY | ||
| 5027 | SNOWMOBILE CLUBS (INCLUDING TRAILS) | ||
| 5028 | SNOWMOBILE CLUBS (EXCLUDING TRAILS) | ||
| 5029 | SNOWMOBILE RENTALS | ||
| 5030 | HEALTH AND EXCERCISE CLUBS | ||
| 5031 | MISCELLANEOUS RECREATIONAL LIABILITY | ||
| 5032 | COMPLETED OPERATIONS | ||
| 5033 | EMPLOYER SPONSORED GROUP EXCESS | ||
| 5034 | EMPLOYMENT PRACTICES LIABILITY INSURANCE | ||
| 5035 | PRIMARY AND/OR EXCESS LIABILITY INS FOR VACANT OR UNOCCUPIED BUILDINGS | ||
| 5050 | COMM GEN LIAB - BROADENED COVERAGE CATEGORIES | ||
| 5051 | CYBER LIABILITY STANDALONE, MAY INCL BUSINESS INTERRUPTION/EXTRA EXPENSE | ||
| 52 | ERRORS & OMISSIONS | ||
| 5201 | PUBLIC OFFICIALS LIABILITY | ||
| 5202 | DIRECTORS & OFFICERS | ||
| 5203 | DIRECTORS & OFFICERS (NON-PROFIT) | ||
| 5204 | ATTORNEYS LIABILITY | ||
| 5205 | ACCOUNTANTS LIABILITY | ||
| 5206 | ARCHITECTS & ENGINEERS | ||
| 5207 | REAL ESTATE AGENTS | ||
| 5208 | INSURANCE AGENTS & BROKERS | ||
| 5209 | MEDIA PROFESSIONAL | ||
| 5210 | ALL OTHERS (PROFESSIONAL) E&O | ||
| 5210A | ALL OTHERS (E&O) | ||
| 53 | MEDICAL MALPRACTICE (Excess) | ||
| 5301 | PHYSICIANS & SURGEONS | ||
| 5302 | HOSPITALS | ||
| 5303 | DENTISTS | ||
| 5304 | PODIATRISTS | ||
| 5305 | ALL OTHERS / MEDICAL MALPRACTICE EXCESS | ||
| 54 | MEDICAL MALPRACTICE | ||
| 5401 | ALL CLASSES /MEDICAL MALPRACTICE | ||
| 55 | MISCELLANEOUS PROFESSIONAL | ||
| 5501 | BEAUTY PARLORS & SCHOOLS | ||
| 5502 | BARBERS & SCHOOLS | ||
| 5503 | AMBULANCE SERVICES | ||
| 5504 | THERAPISTS | ||
| 5505 | COMMUNITY HEALTH CENTERS | ||
| 5506 | HOME CARE SERVICE AGENCIES | ||
| 5507 | PHYSICIAN ASSISTANTS | ||
| 5508 | ALL OTHERS / MISC PROFESSIONAL | ||
| 57 | LIQUOR LIABILITY | ||
| 5701 | ALL CLASSES / LIQUOR LIABILITY | ||
| 58 | LIABILITY, RAILROADS & UTILITIES | ||
| 5801 | RAILROAD PROTECTIVE | ||
| 5802 | ALL OTHERS / RAILROAD | ||
| 59 | UMBRELLA LIABILITY | ||
| 5901 | LEAD/UMBRELLA | ||
| 5902 | EXCESS UMBRELLA | ||
| 5903 | COMML UMB LIAB EXCESS OF $10M UNDERLYING OR SIR | ||
| 60 | ENVIRONMENTAL IMPAIRMENT | ||
| 6001 | PETROLEUM MARKETERS | ||
| 6002 | PETROLEUM NON-MARKETERS | ||
| 6003 | GOVERNMENTAL SUBDIVISIONS | ||
| 6004 | CONTRACTORS | ||
| 6005 | LANDFILLS, DUMPS, ETC. | ||
| 6006 | ALL OTHERS (NOC) REAL PROPERTY | ||
| 6006A | ALL OTHERS (NOC) PERSONAL PROPERTY | ||
| 62 | CRIME | ||
| 6201 | BURGLARY & ROBBERY | ||
| 6202 | KIDNAP & RANSOM | ||
| 6203 | ALL OTHERS / CRIME | ||
| 65 | BOILER AND MACHINERY | ||
| 6501 | BOILER & MACHINERY DIRECT | ||
| 6502 | BOILER & MACHINERY CONSEQUENTIAL | ||
| 6503 | ENGINE & MACHINERY | ||
| 6504 | ALL OTHERS / BOILER & MACHINERY | ||
| 68 | CREDIT INSURANCE | ||
| 6801 | ALL CLASSES /CREDIT INSURANCE | ||
| 6802 | CONTRACT FRUSTRATION | ||
| 6803 | EVENT CANCELLATION | ||
| 69 | PRIZE INDEMNIFICATION | ||
| 6900 | PRIZE INDEMNIFICATION | ||
| 70 | SERVICE CONTRACT REIMBURSEMENT | ||
| 7000 | SERVICE CONTRACT REIMBURSEMENT | ||
| 71 | SALARY PROTECTION INSURANCE | ||
| 7100 | EXCESS DISABILITY COVERAGE | ||
| 7101 | PRIMARY DISABILITY INSURANCE | ||
| 72 | AUTO RACING PARTICIPANTS INSURANCE | ||
| 7200 | PERSONAL ACC.&DIS.INS.(NON.RES.)RACING CARS IN NY | ||
| 73 | EXCESS BUSINESS DISABILITY | ||
| 7301 | EXCESS OF A PRIMARY BUSINESS-RELATED DISABILITY POLICY | ||
| 7302 | PRIMARY BUSINESS-RELATED COVERAGE INCLUDED | ||
| 74 | DONOR MEDICAL EXPENSE INSURANCE | ||
| 7400 | DONOR MEDICAL EXPENSE COVERAGE | ||
