Home    |   Prohibited Property Risks

Prohibited Property Risks

The following risks are ineligible for coverage and shall not be bound.  The list is not ALL inclusive and is to serve only as a guide as to the types and characteristics of property risks that shall not be a part of this program.

  • Aluminum Wiring or Fuse Boxes
    (all risks MUST have copper wiring and 100% circuit breaker boxes)
  • Abortion Clinics or Counseling
  • Amusement / Arcade Risks
  • Army / Navy Stores
  • Auto Repair Shops (no spray painting, body shops, or welding)
  • Aircraft Manufacturers
  • Business Interruption when written on a Monoline Basis
  • Boiler and Machinery Breakdown on a Monoline basis.
  • Check Cashing Stores
  • Crops – Landscaping – Trees
  • Consignment Exposures
  • Contingent Business Interruption written on a stand-alone basis
  • Construction of Bridges – Subways – Tunnels
  • Explosives – Fireworks Manufacturers or Stores
  • Explosives of ANY type
  • Furriers
  • Gas Stations
  • Hog Farms
  • HUD or Subsidized Housing – excess of 5%
  • Hay Storage
  • Heavy Manufacturing
  • Jewelers
  • Livestock
  • Lumber Yards
  • Mobile Homes
  • Museum – Contents
  • Oil – Petroleum – Chemical Risks
  • Pawn Shops Contents
  • Pallet Manufacturing
  • Poultry Farms
  • Green houses or shade houses
  • Prisons – Jails – Correctional Facilities
  • Recycling Operations
  • Saw Mills
  • Tire and Rubber Tire Recapping Risks or Storage Facilities
  • Utilities
  • Welding Operations
  • Risks with Wood Burning Stoves or Un-vented Alternative Heat Sources

Other Prohibited Risks

  • Risks with existing or unrepaired damage