Page 44 - Policy Wording - Commercial Underwriting Mandates & Guidelines Binder Addendum

Annexure C – Risk Classification
Theft & Money
Liability
Occupation
Comments
Fire
G IT
Genl. & Ten
Prods
Defect Work
Engravers:
1. Glass 2. Metal 3. Wood
2 2 2
B B D
B B B
Essence manufacturers Essential-oil manufacturers
X3B H3B R3B
R 2 2 B B -
H 2 2 C D -
M2F H2F
X3F
X4C H3C H4C
Event organisers:
1. With catering
2. Without catering
3. Outdoors/indoors incl. stages
Exhibition halls:
1. Waxworks
2. Permanent exhibitions 3. Temporary
3 3
5
F F
F
4 4 4
C C C
-
-
-
-
-
-
Explosives Export packers
F.
Factory shops
Fairgrounds
Fancy-goods & toy warehouses
Offices only
Certified Sprinkler Required
D5 5
R 3 4
X 3 4
D 2 3
X 4 4
F F F
C C -
C D -
C C -
C D -
Farming:
1. Mixed farming
2. Broiler farms
3. Growing crops and timber 4. Livestock farming
Fast food:
1. Gas/pizza ovens
2. Street vendors
3. Including other consumables
3 3 3 3
B D D B
3
F 4
C
F C
-
-
-
-
-
-
-
• •
Typical Toys r Us
Building maintenance problematic
Be careful with Business interruption cover
See Cooking fat Typical McDonalds
Certified Sprinkler Required
No felt roofing
Certified Sprinkler Required Certified Sprinkler Required Certified Sprinkler Required
H3C H5C D5D M4C
X3D
DFF X3D
Fat & dripping manufacturers
Fast-food outlets
Feather merchants
Feather workers, cleaners, dressers & dyers
Felt-goods & felting manufacturers
Felt-hat manufacturers Felt-roofing manufacturers Felt dealers’ warehouses
D 2 2
X 3 4
D 2 2
D D -
C D -
D D -
D22DD-
• •
X 2 2
X 2 2
X 2 2
V 2 2
D D
D D
D D
D D
-
-
-
-
Commercial Underwriting Mandates & Guidelines – Binder Addendums – Version 2 2020
16