CLASS & COVERAGE GUIDE - American European Insurance Group

CLASS & COVERAGE GUIDE Umbrella LRO Eligibility & Requirement Code Comments BOP / CPP (1) Less than 25% installation. No product sold under insured s own label. 61223 CPP (1) CPP 61218 CPP (7) Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit BOP / CPP 65198/ 61212 CPP (7) Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Lessors Risk Only CPP 61216 CPP (7) Buildings or Premises - Bank or Office, Mercantile or Manufacturing - Maintained by the Insured Lessors Risk Only CPP 61217 CPP (7) Buildings or Premises - office - Not-For-Profit only CPP 61227 CPP (1) Buildings or Premises - office - Other than Not-ForProfit CPP 61226 CPP (1) Buildings or Premises - office - premises occupied by employees of the insured - Not-For-Profit only CPP 61225 CPP (1) BOP / CPP 65198/ 61224 BOP / CPP (1) CPP 61224 CPP (1) BOP / CPP Ineligible Ineligible 71877/ 12362 91302 91315 BOP / CPP (1) Ineligible 91324 Ineligible 91325 BOP / CPP 57326/ 12362 BOP / CPP (1) Less than 25% rental leasing. BOP / CPP BOP / CPP Ineligible Ineligible BOP / CPP BOP / CPP BOP / CPP Ineligible Ineligible BOP / CPP 59955/ 10309 59955/ 10309 10315 10331 & 10332 53985/ 13506 54446/ 10352 54446/ 10352 10367 10368 18434/ 13506 BOP / CPP (1) BOP / CPP (1) BOP / CPP (1) BOP / CPP (1) BOP / CPP (1) CPP (2) CPP (2) BOP / CPP (1) Less than 15% photography, no studio. Burglar Alarm required. Less than 15% photography, no studio. Burglar Alarm required. CPP 91341 * CPP (8) Company Program Class Code(s) General Liability Property Commercial Auto Building Maintenance Supplies and Wholesale BOP / CPP 52114/ 14527 Building Material Dealer - Secondhand Material Ineligible 10256 Building Structure - raising or moving Buildings or Premises - bank and other financial institutions Ineligible 91280 CPP Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - maintained by the insured -Not-For-Profit only Description Buildings or Premises - office - premises occupied by employees of the insured - Other than Not-ForProfit Buildings or Premises - Office, Premises Occupied by Employees of the Insured Business Forms and Systems - Wholesale Cable Installation in Conduits or Subways Cable or Subscription Television Companies Caisson or Cofferdam Work - foundations for buildings Caisson or Cofferdam Work - not foundations for buildings Calculators, Adding Machines and Supplies and Wholesale Camera Repair Shops, Stores, and Wholesale Cameras and Photographic Equipment Stores Camper or Travel Trailer Sales Agencies Campgrounds or Camps Candle Shops Incl. Wholesale Candy and Nut Stores Candy or Confectionery Stores and Wholesale Car Washes Car Washes - Self Serve Card Shops and Wholesale Carpentry – Interior * Not Available in NY November 1, 2016 If our insured is the building owner and also a tenant, the building and the owners contents must be insured under the same AE policy. Habitational exposure acceptable. No manufacturing. No manufacturing. Less than 50% sale of other items. Do not use for contractors engaged in any other carpentry operations at the same job or location. Page 4 of 24

CLASS & COVERAGE GUIDE Property Commercial Auto Umbrella LRO Eligibility & Requirement Code CPP (8) 91340 * CPP (8) CPP 91343 * CPP (8) BOP / CPP 57134/ 12805 BOP / CPP (1) CPP/SKP 91405 CPP (8) BOP / CPP 73905/ 11020 BOP / CPP (1) Ineligible CPP 11039 91436 * CPP (2) CPP (8) BOP / CPP 57326/ 12393 BOP / CPP (1) Ineligible BOP / CPP BOP / CPP CPP BOP / CPP BOP / CPP CPP Ineligible BOP 41603/4 59999/ 61224 54516/ 11259 91481 * 18437/ 13506 18434/ 12362 41650 91507 71811 BOP / CPP (1) BOP / CPP (1) CPP (8) BOP / CPP (1) BOP / CPP (1) CPP (1) BOP (1) CPP 91523 * CPP (8) Clock and Watch Repair Service Clock and Watch Store Incl. Wholesale Closets and Accessories Stores Incl. Wholesale Clothing Manufacturing Clothing or Wearing Apparel Distributors Clothing or Wearing Apparel Stores Clothing Repair Shops or Tailors (Including Tailoring) and Wholesale BOP / CPP BOP / CPP BOP / CPP CPP CPP BOP / CPP 59999/ 91555 57326/ 14655 53985/ 18437 51896 11126 71961/ 11127 BOP / CPP (1) BOP / CPP (1) BOP / CPP (1) CPP (2) CPP (2) BOP / CPP (1) BOP / CPP 71961/ 18507 BOP / CPP (2) Clothing Shops (Including Tailoring) - Wholesale BOP / CPP 57326/ 11127 BOP / CPP (2) Clubs - Country or Golf Clubs - Racquet Sports and Handball Clubs-Civic, Service or Social - Having Buildings or Premises Owned or Leased Clubs-Civic, Service or Social - No Buildings or Premises Owned or Leased Except for Office Purposes Ineligible Ineligible 11138 41665 Ineligible 41668 CPP (4) Ineligible 41669 CPP (4) Class Code(s) General Liability CPP/SKP 91342 Carpentry – residential not exceeding three (3) stories in height CPP Carpentry – Shop only Description Carpentry - NOC Carpet Stores Incl. Wholesale Carpet, Rug, Furniture or Upholstery Cleaning - on customers' premises Catalog or Premium Coupon Redemption Stores, incl. wholesale Caterers Ceiling or Wall Installation – Metal Cellular Telephone Equipment and Supplies and Wholesale Cemeteries Ceramic Shops Incl. Wholesale Cheese Shops Incl.Wholesale Chimney Cleaning China and Glassware and Wholesale Church Supplies and Wholesale Churches or Other Houses of Worship Clay or Shale Digging Cleaners and Laundries (Pick Up Station) Cleaning – outside surfaces of buildings * Not Available in NY Company Program November 1, 2016 Comments Ineligible Structural work for new residential construction Ineligible Tract home construction or custom homes more than four (4) per year Construction over 3 stories Any structural work for any new single family homes where the work is not 100% subcontracted out with proper risk transfer New multi-family residential framing of any kind Building material dealers (use dealer class) Home improvement stores (use different class) Ineligible: Installation exposures under this code Lumberyards Also see - Floor Covering Stores Ineligible: Doormat & rug rental and service Ineligible: hazardous material abatement Burglar Alarm required. No manufacturing. No roofing allowed within this class No plant on premises. If the cleaning is done as part of another operation, then those cleaning operations shall be included in the governing classification Ineligible: Sandblasting Less than 15% antiques. Less than 25% repair; less than 15% antiques. Less than 25% installation. No children s clothing. Page 5 of 24

CLASS & COVERAGE GUIDE Property Commercial Auto Umbrella LRO Eligibility & Requirement Code BOP / CPP (1) No automobile snack services, no vending machines, no catering. 59992/ 11155 BOP / CPP (1) Less than 15% baseball cards. BOP / CPP 59992/ 11155 BOP / CPP (1) No antiques under BOP, less than 15% baseball cards. CPP 91547 * CPP (8) Ineligible 91551 CPP (8) Ineligible 41678 CPP CPP BOP / CPP BOP / CPP CPP BOP / CPP Ineligible 41675 43152 71921/ 12362 71921/ 91555 91555 * 57326/ 11160 51956 CPP (2) CPP (2) BOP / CPP (1) BOP / CPP (1) CPP (8) BOP / CPP (1) Description Company Program Class Code(s) General Liability Coffee Break Service and Supplies and Wholesale BOP / CPP 50141/ 18435 Coins and Stamps Incl. Wholesale BOP / CPP Collectibles Memorabilia, Stores and Wholesale Commissary Work Communication Equipment Installation industrial or commercial Community Recreational Facilities - Not Operated by a Governmental Agency Computer Consulting or Programming Computer Data Processing - Time Sharing Computer Parts and Supplies and Wholesale Computer Service and Repair Computer Service or Repair Computer Stores and Wholesale Concrete - Mixed in Transit Concrete Construction CPP/SKP 91560 CPP (8) Ineligible 91562 Ineligible 51957 Concrete Products Manufacturing - Pre-Stressed Ineligible 51958 Concrete Products Manufacturing - Structural Condominium-Office (Association Risk Only) Ineligible BOP / CPP 51959 60999/62000 BOP / CPP (1) Condominium-Residential (Association Risk Only) BOP / CPP 69145/ 62003 BOP / CPP (1) Conduit Construction for Cables or Wires Construction or Project Manager Consultants - NOC Ineligible Ineligible Ineligible 91577 41620 41677 CPP (2) Concrete or Cement Distributing Towers - rented to others - installation, repair or removal operations only Concrete or Plaster Products Manufacturing - Not Structural Comments Construction class must also be eligible to write the commissary class If any sales, class under Computer Stores Driveway, Sidewalk or Parking Area Paving or Repaving class under 92215. Ineligible: Road construction and paving Bridge construction Below ground pool construction/guniting Any structural work for new single family homes where the work is not 100% subcontracted out with proper risk transfer Must be 2 units or more to be eligible for BOP or CPP. Must be less then 5 stories to be eligible for BOP. Contractors – Executive supervisors or executive superintendents CPP 91580 * CPP (8) Any person who is directly in charge of daily construction operations is not classed as an Executive Supervisor. Such person shall be separately classified and rated under the appropriate contractors classification. If no other classes are covered that includes products/completed operations, then products is not included in the 91580 class Contractors - subcontracted work - in connection with construction, reconstruction, erection or repair - not buildings CPP/SKP 91581 CPP (8) Subcontractor cost limited to 20% of sales under SKP, and 50% of sales for CPP Contractors - subcontracted work - INELIGIBLE CODES in connection with various types of construction, reconstruction, repair or erection Ineligible See Comments * Not Available in NY November 1, 2016 Ineligible Codes: 91582, 91583, 91584, 91585, 91586, 91587, 91588, 91589 Page 6 of 24

CLASS & COVERAGE GUIDE Description Contractors – subcontracted work – other than construction-related work Company Program Class Code(s) General Liability Property Commercial Auto Umbrella LRO Eligibility & Requirement Code Comments Applies to a service (non-construction) contractor that subcontracts all or a portion of his/her non-construction related work to an adequately insured subcontractor. Example: A lawn care service contractor that subs out re-sodding. Subcontractor cost limited to 50% of sales to be eligbile. CPP 91591 * CPP (8) Ineligible 11201 CPP (2) Ineligible 11202 CPP (2) Ineligible 11201 & 11202 Contractors Permanent Yards CPP 91590 * CPP (8) Convenience Store (No Gas) BOP / CPP 54136/ 18435 BOP / CPP (1) Cookie Stand (Includes Muffins) Copy Machines and Supplies and Wholesale Copying or Duplicating Services - Retail BOP / CPP BOP / CPP BOP / CPP 71311/ 18435 50812/ 12391 71912/ 11222 BOP / CPP (1) BOP / CPP (1) BOP / CPP (1) Cosmetic and Perfume Shops and Wholesale BOP / CPP 59991/ 18437 BOP / CPP (1) Cosmetic, Hair or Skin Preparation Stores BOP / CPP 59991/ 11234 BOP / CPP (1) Craft Stores Incl. Wholesale Crop Spraying - by contractors Dairy Products Dairy Products Manufacturing Dairy Products or Butter, Egg Stores and Wholesale Dam or Reservoir Construction Day Care Centers - Not-For-Profit only Day Care Centers - Other than Not-For-Profit Debris Removal – Construction site Delicatessens (no cooking) BOP / CPP Ineligible BOP / CPP Ineligible 59995/ 14101 91606 54516/ 11258 52002 BOP / CPP (1) BOP / CPP (1) BOP / CPP 54516/ 12361 BOP / CPP (1) Ineligible Ineligible Ineligible CPP BOP / CPP 91618 41716 41715 91629 * 09071/ 11288 CPP (6) CPP (6) CPP (8) BOP / CPP (1) Delicatessens (With Cooking) BOP / CPP 09081/ 11288 BOP / CPP (3) Dental Labs BOP / CPP 71444/ 66561 BOP / CPP (1) Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto rented to others with operators Contractors Equipment - cranes, derricks, power shovels and equipment incidental thereto rented to others without operators Contractors Equipment - Rented to Others Dentists BOP / CPP 65121/ 66561 BOP / CPP (1) Department Stores Dike, Levee or Revetment Construction Distributors - Food or Drink, NOC Distributors - No Food or Drink, NOC Door Window or Assembled Millwork Dealer and Wholesaler Door, Window or Assembled Millwork – Installation – Metal Doughnuts (No Cooking) Doughnuts (No Cooking) - Wholesale BOP / CPP Ineligible CPP CPP 53127/ 12356 91641 12361 12362 BOP / CPP (1) CPP (1) CPP (1) BOP / CPP 74411/ 10257 BOP / CPP (1) CPP 91746 * CPP (8) BOP / CPP BOP / CPP 09091/ 18435 09091/ 12361 BOP / CPP (1) BOP / CPP (1) * Not Available in NY November 1, 2016 Yard cannot be adjacent to, or used exclusively for, a particular job site. No 24 hour operations. No Sales from Gasoline. No more than 5,000 sq. ft. Includes baking, no other cooking. No 24 hour operations. No manufacturing or repackaging. No products sold under insured s own label. No manufacturing or repackaging. No products sold under insured s own label. Salvage operations shall be separately classified and rated No delivery. No food sold for consumption on premises. Must conform to NFPA Code 96 for cooking exposure. Professional Liability required, not offered by AE. Dental operations include teeth cleaning, filling, root canals, x-rays and incidental extractions. Periodontists and Endodontists may also be included in this class. Not to include Oral Surgeons. Professional Liability required, not offered by AE. Commercial Auto – Do not offer HNOA (Symbols 8 & 9) unless there is a scheduled auto registered in the name of the insured on the policy. No installation. The installation, service or repair of doors or windows not metal shall be classified as "Carpentry". No delivery. Page 7 of 24

CLASS & COVERAGE GUIDE Property Commercial Auto Umbrella LRO Eligibility & Requirement Code BOP / CPP (3) Must conform to NFPA Code 96 for cooking exposure. No delivery. 59995/ 14101 91805 BOP / CPP (1) CPP (8) No blueprint services. BOP / CPP 18434/ 12510 BOP / CPP (1) Less than 25% installation. Ineligible Ineligible various 92101 Description Company Program Class Code(s) General Liability Doughnuts (On Premises Cooking) and Wholesale BOP / CPP 09091/ 18435 Drafting Supplies and Wholesale Draftsmen BOP / CPP Ineligible Draperies and Curtains - Ready and Custom Made Dredging classes Drilling - other than water Drilling - water Comments Ineligible Codes: 92053, 92054, 92055 Ineligible: Oil or gas well drilling New Ventures Drill rigs not eligible for Commercial Auto Ineligible: Road Construction or paving Filling or grading of land (unless within this class) Bridge construction Earth or rock excavation CPP 92102 * CPP (8) CPP/SKP 92215 CPP (8) BOP / CPP 59116/ 12375 BOP / CPP (1) Druggists Professional Liability Coverage must be provided under BOP. No rental of medical equipment. No cooking. Also see Pharmacies BOP / CPP 59116/ 12374 BOP / CPP (1) No rental of medical equipment. Ineligible CPP CPP/SKP BOP CPP 12373 14733 92338 65144 * 63013 * CPP (2) CPP (2) CPP (8) BOP (1) CPP (1) Dwelling - one family (lessors risk) CPP 63010 * CPP (1) Dwelling - three family (lessors risk) Dwelling - three family (lessors risk) BOP CPP 65144 * 63012 * BOP (1) CPP (1) Dwelling - two family (lessors risk) CPP 63011 * CPP (1) BOP / CPP 50812/ 15607 BOP / CPP (1) CPP 92451 * CPP (8) Electrical Equipment and Supplies and Wholesale BOP / CPP 18437/ 12391 BOP / CPP (1) Electrical Parts and Accessories BOP / CPP 59999/ 13716 BOP / CPP (1) Electrical Work - within buildings CPP/SKP 92478 CPP (8) Electroplating Elevator or Escalator Inspecting, Installation, Servicing or Repair Embroidery and Wholesale Employment Agencies Engineers or Architects-Consulting - Not Engaged in Actual Construction Engraving and Photoengraving Services Ineligible 52547 Ineligible 92593 BOP / CPP Ineligible 71961/ 12509 43200 BOP / CPP (1) CPP (2) Ineligible 92663 CPP (8) BOP / CPP 71842/ 52660 BOP / CPP (1) Driveway, Parking Area or Sidewalk - paving or repaving Drugstores NOC Drugstores - No Table or Counter Service for Beverage or Food. Drugstores - Wholesale Dry Cleaning Stores and Laundry Drywall or Wallboard Installation Dwelling - four family (lessors risk) Dwelling - four family (lessors risk) Educational Material Incl. Wholesale Electrical Apparatus – Installation, servicing or repair * Not Available in NY November 1, 2016 Ineligible: Hazardous material abatement Only available in RI & MA Eligible when part of a larger property schedule. See Habitational Guidelines. Only available in RI & MA Eligible when part of a larger property schedule. See Habitational Guidelines. Ineligible: No power line construction Installation of alarms or alarm systems and auxiliary apparatus No transformers, no used or rebuilt parts, no rentals, products must be U.L. listed; no power tool sales. Less than 25% rental, products must be U.L. listed. Computer line installation is to be classified as 91551. Ineligible: Work on power lines Industrial work Installation of alarms or alarm systems and electrical machinery or auxiliary apparatus Including screen printing, no garment contracting. Page 8 of 24

CLASS & COVERAGE GUIDE Description Entertainment Performed on Others' Premises Equipment, Fixtures or Supplies - For Bars, Hotels, Offices, Restaurants or Stores -Distributors Excavation Exhibition or Convention Buildings - Other than Not-For-Profit Exhibition or Convention Buildings - Not-ForProfit only Express Companies Fabric Stores Incl. Wholesale Farm Machinery Operations - by contractors Fee

Automobile Dismantling Ineligible 91190 ; Automobile Parts and Accessories Stores, Distributors and Wholesale BOP / CPP; 55313/ 10070 ; BOP / CPP (1) Excluding tires/recaps, less than 15% used auto parts. No junk yards, no parts rebuilding, less than 25% brake drum and rotor turning. Automobile Quick Lubrication Services Ineligible; 932 ; CPP (2)