Eligible Categories
Construction - Special Trade Contractors
Tradesman who earns income by performing repair, improvement,
installation or maintenance services at residential and commercial locations including new construction sites.
Construction - Builders & General Trade Contractors
Contractors or builders managing projects related to housing or non-housing construction. They are responsible for the entire
project (new work, alterations, remodeling and repair) and hire special trade contractors for their projects.
Courier, Mail & Newspaper Delivery
Business that earns income by completing the delivery of letters, documents or packages for a fee. Examples include but are not
limited to:
• Medical samples • Legal documents
• Federal Express • Greyhound Package Express
Dirt, Sand & Gravel
Business earns income by transporting dirt, sand, gravel or asphalt on a for hire basis. Please verify if any state or federal filings are
required.
Farming & Livestock
Businesses earn income by raising livestock or agricultural production. Examples include:
• Farming • Ranching
• Fisheries • Nurseries/Floriculture production
Food Services, Restaurants & Pizza Delivery
Business earns income by providing and selling prepared food. Vehicles used to support business by delivering prepared food,
picking up supplies, running errands, etc.
Landscaping, Snowplowing & Firewood
Business earns income by providing Landscaping or Snowplowing services to residential and commercial properties. Can also earn
income by delivering or selling firewood. Examples include but are not limited to:
• Lawn care installation or maintenance
• Snow removal (residential/commercial)
• Tree trimmers • Delivery of firewood
Logging & Log Transport
Business earns income working in the logging industry. Please verify if any state or federal filings are required.
Manufacturing
Establishments engaged in the mass production of products.
Non-Business
Applicant uses vehicle for personal use only, no income is earned. Examples include but are not limited to:
• Personal auto titled in the business name
• Vehicle not acceptable on a personal policy
• Vehicle used to haul: travel trailer, boat, historical vehicles, race
vehicle
• Stake truck hauling firewood for personal use
• Dump truck for clearing own land
Passenger Transportation (Not for Hire)
Business earns income through a service to their customers. Passengers are transported as a courtesy and are incidental to the
way the business earns a profit. Transportation of passengers is not done on a for hire basis. Unacceptable risks include taxicabs,
transportation of prisoners/reform school students, transporting of children to and from school, all for hire livery/passenger risks.
Retail Trade Operations
Sale of goods in small quantities to public.
Services
Business earns income by providing a service or selling goods. Vehicles used to support business by delivering goods, picking up
supplies, running errands, etc.
Towing Services, Gas Stations & Auto Repair
Establishments primarily engaged in providing towing services and auto repair.
Trucking For-Hire
Business earns income by manufacturing or transporting raw materials,
goods or equipment. Examples include but are not limited to:
• Agricultural hauling
• Expediters
• Household goods movers
• Livestock hauling
• Machinery & heavy equipment
• Steel hauling (except coiled steel)
• Coal hauling (physical damage only)
• Hazardous materials (physical damage only)
• Debris removal (physical damage only)
• Refrigerated goods
Wholesale Trade
Establishments primarily engaged in mass distribution of durable and/or non-durable goods to retailers