New Jersey - General Liability Rating Sheets

[Pages:12]New Jersey - General Liability Rating Sheets

Terr 1: Atlantic City. Terr 2: Remainder of Essex County. Terr 3: Belleville, Bloomfield, East Orange, Irvington & Orange. Terr 4: Jersey City & Vicinity . Terr 5: Paterson & Vicinity

Edition May 2016

s

New Business Only - Top GL Classes

Territory 1

Territory 2

Territory 3

Territory 4

Territory 5

Minimum General Liability Final Rates

Code Class Description 60010 Apartment Buildings

Limit

Prem

Base Units

$1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $2M $2M $2M $2M $2M $2M $2M $2M $2M $2M

1264 1580 274.30 342.88 396.30 495.38 433.64 542.05 483.81 604.76

10071 Automobile Parts And Supplies Store

Sales

6.45 8.06 3.61 4.51 2.75 3.44 1.82 2.28 3.40 4.25

10073 Automobile Repair Or Service Shops

Sales

12.27 15.34 13.07 16.34 10.03 12.54 12.14 15.18 11.92 14.90

10100 Bakeries

Sales

15.36 19.20 8.94 11.18 8.39 10.49 4.82 6.03 6.97 8.71

10145 Beverage Stores-Liquor & Wine

Sales

5.63 7.04 3.05 3.81 1.69 2.11 1.60 2.00 1.78 2.23

61000 Boarding Or Rooming Houses

Units N/A N/A N/A N/A

463.14 578.93 487.73 609.66 545.11 681.39

61212 Building Or Premises - Bank Or Office

Area 501.73 627.16 215.03 268.79 394.22 492.78 242.98 303.73 356.23 445.29

61217 Building Or Premises - Bank Or Office

Area 505.32 631.65 217.18 271.48 397.80 497.25 245.49 306.86 358.38 447.98

61224 Buildings or Premises?Office? Occupied by Employees of the Insured

Area 827.86 1034.8 354.80 443.50 652.25 815.31 401.39 501.74 587.74 734.68

61226 Buildings Or Premises - Office- Noc

Area 1831.3 2289.2 863.34 1079 1589 1986 978 1222 1431 1789

91342 Carpentry - Noc

Payroll 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36

91340 Carpentry- Construction Of Residential

Payroll 96.23 120.29 96.23 120.29 96.23 120.29 96.23 120.29 96.23 120.29

91341 Carpentry-Interior

Payroll 60.61 75.76 60.61 75.76 60.61 75.76 60.61 75.76 60.61 75.76

11039 Caterers

Sales

7.57 9.46 9.65 12.06 7.03 8.79 8.86 11.08 8.68 10.85

91481 Chimney Cleaning (7349)

Payroll 125.83 157.29 125.83 157.29 125.83 157.29 125.83 157.29 125.83 157.29

41650 Churches/Other Houses Of Worship

Area 578.62 723.28 269.62 337.03 101.18 126.48 268.10 335.13 117.24 146.55

11127 Clothing Or Wearing Apparel Stores

Sales

4.14 5.18 2.29 2.86 2.23 2.79 1.93 2.41 2.51 3.14

41667 Clubs?Civic, Service or Social?Having Buildings or Premises Owned or 41668 LCeluabses?dC?iOvitch,eSreTrvhiacne NoroSt-oFcoiar-lP?Hroafviting Buildings or Premises Owned or

Leased?Not-For-Profit Only 41669 Clubs?Civic, Service or Social?No Buildings or Premises Owned or Leased

Area 1187.5 1484.4 279.31 349.14 276.58 345.73 539.23 674.04 378.68 473.35 Area 1111.8 1389.7 261.74 327.18 259.32 324.15 505.91 632.39 354.44 443.05

Area

9.21 11.51 2.19 2.74 2.15 2.69 4.19 5.24 2.94 3.68

Except For Office Purposes?Other Than Not-For-Profit 62000 Condominiums - Commercial - Bank Or Merc

Area 379.88 474.85 196.11 245.14 300.68 375.85 184.57 230.71 270.58 338.23

62003 Condominiums - Residential

Units 348.38 435.48 144.58 180.73 274.16 342.70 168.44 210.55 246.90 308.63

91581 Contractors?Subcontracted Work?In Connection with Construction,

Total

Reconstruction, Erection or Repair?Not Buildings

Cost

91583 Contractors?Subcontracted Work?In Connection with Building Construction, Total

Reconstruction, Repair or Erection?1- or 2-Family Dwellings

Cost

18.79 23.49 18.79 23.49 18.79 23.49 18.79 23.49 18.79 23.49 9.83 12.29 7.34 9.18 7.34 9.18 7.34 9.18 7.34 9.18

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 1 of 12

New Jersey - General Liability Rating Sheets

Terr 1: Atlantic City. Terr 2: Remainder of Essex County. Terr 3: Belleville, Bloomfield, East Orange, Irvington & Orange. Terr 4: Jersey City & Vicinity . Terr 5: Paterson & Vicinity

s

New Business Only - Top GL Classes

Minimum General Liability Final Rates Class Class Description Code

91584 Contractors?Subcontracted Work?In Connection with Construction, Reconstruction, Repair or Erection of Buildings?for Industrial Use

91585 Contractors?Subcontracted Work?In Connection with Construction, Reconstruction, Repair or Erection of Buildings

91580 Contractors Executive Supervisors Or Exe 41715 Day Care Centers-For Profit 91746 Door, Window Or Assembled Mill Work - In 92215 Driveway, Parking Area or Sidewalk ? paving or repaving 92338 Dry Wall Or Wallboard Installation 63010 Dwellings - One-Family (Lessor's Risk On 63011 Dwellings - Two-Family (Lessor's Risk On 63012 Dwellings - Three-Family (Lessor's Risk 63013 Dwellings - Four-Family (Lessor's Risk On 92451 Electric Apparatus - Installation, Servi 92478 Electrical Work ? within buildings 94276 Fence Erection Contractors 94569 Floor Covering Installation ? not ceramic tile or stone 95647 Heating or Combined Heating and Air Conditioning Systems or Equipment ?

dealers or distributors and installation, servicing or repair ? no liquefied petroleum gas (LPG) equipment sales or work 96053 House Furnishings Installation ? NOC 97050 Lawn Care Services 97650 Metal Erection ? decorative or artistic 53374 Food Products Mfg - Dry 53375 Food Products MFg - Frozen 53376 Food Products MFG - Not Dry - In Glass 13453 Gasoline Stations - Full Service 13454 Gasoline Stations- Self Service 13673 Grocery Stores

Territory 1

Territory 2

Territory 3

Limit Prem Total Cost Total Cost Payroll Per Pers Payroll Payroll Payroll Unit Unit Unit Unit Payroll Payroll Payroll Payroll Payroll

$1M/ $2M 11.59

9.33

92.22 191.46

53.03 39.35 19.51 1896 2369 3369 3190 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 239.33

66.29 49.19 24.39 2370 2961 4211 3987 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 89.06 53.03 39.35 19.51

505 631 896 849 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 111.33

66.29 49.19 24.39

632 788 1120 1062 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 33.32 53.03 39.35 19.51

735 917 1305 1236 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 41.65 66.29 49.19 24.39 918 1147 1631 1546 46.45 20.59 59.60 37.43 54.40

Payroll Payroll Payroll Sales Sales Sales Gallons Gallons Sales

33.17 18.71 45.45

2.15 1.31 1.50 4.48 5.23 13.57

41.46 23.39 56.81

2.69 1.64 1.88 5.60 6.54 16.96

33.17 18.71 45.45

2.21 1.35 1.55 5.73 6.74 7.72

41.46 23.39 56.81

2.76 1.69 1.94 7.16 8.43 9.65

33.17 18.71 45.45

2.51 1.50 1.81 4.12 4.84 7.21

41.46 23.39 56.81

3.14 1.88 2.26 5.15 6.05 9.01

Edition May 2016

Territory 4

Territory 5

$1M/ $2M/ $1M/ $2M/

$2M $2M $2M $2M 11.59 14.49 11.59 14.49

9.33 11.66 9.33 11.66

92.22 88.46 53.03 39.35 19.51

778 971 1383 1308 37.16 16.47 47.68 29.94 43.52

115.28 110.58

66.29 49.19 24.39

972 1214 1729 1635 46.45 20.59 59.60 37.43 54.40

92.22 115.28 38.78 48.48 53.03 66.29 39.35 49.19 19.51 24.39

867 1084 1086 1357 1545 1931 1462 1828 37.16 46.45 16.47 20.59 47.68 59.60 29.94 37.43 43.52 54.40

33.17 18.71 45.45

2.59 1.54 1.86 5.27 6.16 3.97

41.46 23.39 56.81

3.24 1.93 2.33 6.59 7.70 4.96

33.17 18.71 45.45

2.48 1.50 1.79 5.13 6.02 5.94

41.46 23.39 56.81

3.10 1.88 2.24 6.41 7.53 7.43

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 2 of 12

New Jersey - General Liability Rating Sheets

Terr 1: Atlantic City. Terr 2: Remainder of Essex County. Terr 3: Belleville, Bloomfield, East Orange, Irvington & Orange. Terr 4: Jersey City & Vicinity . Terr 5: Paterson & Vicinity

s

New Business Only - Top GL Classes

Territory 1

Territory 2

Territory 3

Edition May 2016

Territory 4

Territory 5

Minimum General Liability Final Rates

Class Class Description Code

95625 Handyperson / $1000 Of Payroll

Limit Prem Payroll

$1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $2M $2M $2M $2M $2M $2M $2M $2M $2M $2M 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36

45190 Hotels/Motels-W/Pools Or Beach/$1000 Gs

Sales

62.36 77.95 27.49 34.36 33.04 41.30 14.91 18.64 18.74 23.43

45192 Hotels/Motels-W/O Pools Or Bea/$1000 Gs

Sales

43.93 54.91 19.30 24.13 23.21 29.01 12.54 15.68 15.78 19.73

97047 Landscape Gardening

Payroll 24.03 30.04 24.03 30.04 24.03 30.04 24.03 30.04 24.03 30.04

97223 Machinery Or Equipment - Installation

Payroll 53.33 66.66 53.33 66.66 53.33 66.66 53.33 66.66 53.33 66.66

97222 Machinery Or Equipment - Industrial

Payroll 40.03 50.04 40.03 50.04 40.03 50.04 40.03 50.04 40.03 50.04

97447 Masonry

Payroll 49.38 61.73 49.38 61.73 49.38 61.73 49.38 61.73 49.38 61.73

66561 Medical Offices

Area

1322 1653 566 708 1043 1304 642 802 939 1174

57651 Packing Houses

Sales

0.80 1.00 1.09 1.36 0.87 1.09 1.16 1.45 0.86 1.08

98304 Painting - Exterior - Buildings Or Struc

Payroll 45.97 57.46 45.97 57.46 45.97 57.46 45.97 57.46 45.97 57.46

98305 Painting - Interior -Buildings Or Struct

Payroll 28.58 35.73 28.58 35.73 28.58 35.73 28.58 35.73 28.58 35.73

46622 Parking - Private

Area 210.01 262.51 141.92 177.40 112.17 140.21 185.64 232.05 189.94 237.43

47052 Real Estate Property Managed

Sales

10.11 12.64 10.11 12.64 10.11 12.64 10.11 12.64 10.11 12.64

16819 Restaurants?Operated by Concessionaires?Other Than Not-For-Profit

Sales

8.06 10.08 10.36 12.95 7.45 9.31 9.48 11.85 9.27 11.59

16820 Restaurants?Operated by Concessionaires?Not-For-Profit Only

Sales

6.24 7.80 8.03 10.04 5.76 7.20 7.36 9.20 7.18 8.98

16900 Restaurants?No Sale of Alcoholic Bev ?with Table Service

Sales

47.65 59.56 32.81 41.01 26.39 32.99 14.27 17.84 20.72 25.90

16901 Restaurants? No Sale of Alcoholic Bev ?with seating no Table Serv

Sales

31.04 38.80 21.59 26.99 17.41 21.76 9.62 12.03 13.77 17.21

16902 Restaurants?with No Sale of Alcoholic Beverages?without Seating

Sales

27.42 34.28 19.39 24.24 15.85 19.81 9.27 11.59 12.76 15.95

16910 Restaurants?with Sale of Alcoholic Beverages < 30% of the Annual Receipts of Sales the Restaurants?with Table Service

16911 Restaurants?with Sale of Alcoholic Beverages< 30% of the Annual Receipts of Sales

28.52 35.65 19.67 24.59 15.77 19.71 8.50 10.63 12.34 15.43 26.05 32.56 18.02 22.53 14.47 18.09 7.90 9.88 11.38 14.23

the Restaurants?without Table Service with Seating

16916 Restaurants?with Sale of Alcoholic Beverages - 30% to 75% of the Total

Sales

Annual Receipts of the Restaurants?without Dance Floor

16930 Restaurants?with Sale of Alcoholic Beverages > 75% or More of Total Annual Sales

Receipts ?with Tables?No Dance Floor: Table Service

98805 Septic Tank Systems ? cleaning

Payroll

24.47 30.59 16.90 21.13 13.56 16.95 7.35 9.19 10.65 13.31 37.71 47.14 26.02 32.53 20.90 26.13 11.42 14.28 16.44 20.55 36.07 45.09 36.07 45.09 36.07 45.09 36.07 45.09 36.07 45.09

98967 Siding Installation

Payroll 69.31 86.64 69.31 86.64 69.31 86.64 69.31 86.64 69.31 86.64

98993 Sign Erection, Installation Or Repair

Payroll 111.03 138.79 111.03 138.79 111.03 138.79 111.03 138.79 111.03 138.79

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 3 of 12

New Jersey - General Liability Rating Sheets

Terr 1: Atlantic City. Terr 2: Remainder of Essex County. Terr 3: Belleville, Bloomfield, East Orange, Irvington & Orange.

Terr 4: Jersey City & Vicinity . Terr 5: Paterson & Vicinity

s

New Business Only - Top GL Classes

Territory 1

Territory 2

Territory 3

Edition May 2016

Territory 4

Territory 5

Minimum General Liability Final Rates

Class Class Description

Limit $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/

Code 99303 Street Cleaning

Prem $2M $2M $2M $2M $2M $2M $2M $2M $2M $2M Payroll 79.78 99.73 79.78 99.73 79.78 99.73 79.78 99.73 79.78 99.73

99746 Tile, Stone, Marble, Mosaic or Terrazzo Work ? interior construction

Payroll 27.45 34.31 27.45 34.31 27.45 34.31 27.45 34.31 27.45 34.31

99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating

Payroll 47.35 59.19 47.35 59.19 47.35 59.19 47.35 59.19 47.35 59.19

68607 Vacant Buildings - Not Factories- (Non-Profit)

Area 170.59 213.24 73.11 91.39 134.39 167.99 82.79 103.49 121.13 151.41

68606 Vacant Buildings - Not Factories- (For Profit)

Area 215.75 269.69 92.46 115.58 170.23 212.79 104.65 130.81 153.03 191.29

49451 Vacant Land - (For Profit)

Per Acre 2.40 3.00 2.40 3.00 2.40 3.00 2.40 3.00 2.40 3.00

99938 Warehouses - Noc

Payroll 32.17 40.21 32.17 40.21 32.17 40.21 32.17 40.21 32.17 40.21

68706 Warehouses - Private - (For Profit)

Area 496.72 620.90 212.88 266.10 391.46 489.33 240.47 300.59 320.39 400.49

99975 Window Cleaning

Payroll 41.39 51.74 41.39 51.74 41.39 51.74 41.39 51.74 41.39 51.74

Minimum Premiums: General Liability only monoline or as part of a package $500 General Liability with Professional monoline or part of a package:$750

Liquor Liability part of a package: $500

Pool Charge Dwellings

Apartments Condos

$250 $750

Lower Limits: - Limit of $300K/$600K = Factor of 0.80 of the $1M/$2M rate

- Limit of $500K/$1M = Factor of 0.90 of the $1M/$2M rate

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 4 of 12

New Jersey - General Liability Rating Sheets

Terr 6: Newark & Vicinity. Terr 7: Elizabeth. Terr 8: Perth Amboy. Terr 9: Lakewood. Terr 11: Long Branch & Vicinity.

Edition May 2016

New Business Only - Top GL Classes

Territory 6

Territory 7

Territory 8

Territory 9

Territory 11

Minimum General Liability Final Rates

Code Class Description

Limit $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/

Prem $2M $2M $2M $2M $2M $2M $2M $2M $2M $2M

60010 Apartment Buildings

Base Units 383.47 479.34 397.80 497.25 533.99 667.49 242.98 303.73 371.96 464.95

10071 Automobile Parts And Supplies Store

Sales

2.68 3.35 2.40 3.00 3.58 4.48 3.33 4.16 4.12 5.15

10073 Automobile Repair Or Service Shops

Sales

10.78 13.48 13.42 16.78 11.08 13.85 12.77 15.96 9.77 12.21

10100 Bakeries

Sales

5.66 7.08 3.36 4.20 3.94 4.93 16.24 20.30 10.12 12.65

10145 Beverage Stores-Liquor & Wine

Sales

2.63 3.29 1.63 2.04 2.75 3.44 1.27 1.59 2.69 3.36

61000 Boarding Or Rooming Houses

Units 434.45 543.06 450.85 563.56 606.59 758.24 275.02 343.78 430.35 537.94

61212 Building Or Premises - Bank Or Office

Area 218.97 273.71 248.00 310.00 305.34 381.68 109.31 136.64 269.50 336.88

61217 Building Or Premises - Bank Or Office

Area 221.48 276.85 250.51 313.14 308.21 385.26 110.38 137.98 272.37 340.46

61224 Buildings or Premises?Office? Occupied by Employees of the Insured

Area 361.96 452.45 408.55 510.69 505.32 631.65 180.62 225.78 444.39 555.49

61226 Buildings Or Premises - Office- Noc

Area 879.11 1098.9 997.4 1246.7 1226.0 1532.5 437.6 547.0 985.6 1231.9

91342 Carpentry - Noc

Payroll 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36

91340 Carpentry- Construction Of Residential

Payroll 96.23 120.29 96.23 120.29 96.23 120.29 96.23 120.29 96.23 120.29

91341 Carpentry-Interior

Payroll 60.61 75.76 60.61 75.76 60.61 75.76 60.61 75.76 60.61 75.76

11039 Caterers

Sales

7.68 9.60 8.47 10.59 6.67 8.34 7.96 9.95 6.78 8.48

91481 Chimney Cleaning (7349)

Payroll 125.83 157.29 125.83 157.29 125.83 157.29 125.83 157.29 125.83 157.29

41650 Churches/Other Houses Of Worship

Area 179.04 223.80 333.23 416.54 239.63 299.54 67.25 84.06 134.51 168.14

11127 Clothing Or Wearing Apparel Stores

Sales

2.11 2.64 2.23 2.79 8.53 10.66 2.02 2.53 3.54 4.43

41667 Clubs?Civic, Service or Social?Having Buildings or Premises Owned or

Area 207.21 259.01 276.58 345.73 265.98 332.48 415.03 518.79 466.53 583.16

41668 LCeluabses?dC?iOvitch,eSreTrvhiacne NoroSt-oFcoiar-lP?Hroafviting Buildings or Premises Owned or

Area 194.49 243.11 259.32 324.15 249.62 312.03 387.76 484.70 439.26 549.08

Leased?Not-For-Profit Only 41669 Clubs?Civic, Service or Social?No Buildings or Premises Owned or Leased Area

1.61 2.01 2.15 2.69 2.08 2.60 3.23 4.04 3.62 4.53

Except For Office Purposes?Other Than Not-For-Profit

62000 Condominiums - Commercial - Bank Or Merc

Area 166.65 208.31 188.51 235.64 231.87 289.84 83.14 103.93 204.99 256.24

62003 Condominiums - Residential

Units 151.77 189.71 172.07 215.09 211.45 264.31 75.74 94.68 186.91 233.64

91581 Contractors?Subcontracted Work?In Connection with Construction,

Total

18.79 23.49 18.79 23.49 18.79 23.49 18.79 23.49 18.79 23.49

Reconstruction, Erection or Repair?Not Buildings

Cost

91583 Contractors?Subcontracted Work?In Connection with Building Construction, Total

7.34 9.18 11.30 14.13 11.30 14.13 9.83 12.29 7.34 9.18

Reconstruction, Repair or Erection?1- or 2-Family Dwellings

Cost

Please refer to the Northfield Underwriting guide for eligibility and a complete list of1i9nstruct2io3ns

Page 5 of 12

New Jersey - General Liability Rating Sheets

Terr 6: Newark & Vicinity. Terr 7: Elizabeth. Terr 8: Perth Amboy. Terr 9: Lakewood. Terr 11: Long Branch & Vicinity.

Edition May 2016

New Business Only - Top GL Classes

Minimum General Liability Final Rates Class Class Description Code

91584 Contractors?Subcontracted Work?In Connection with Construction, Reconstruction, Repair or Erection of Buildings?for Industrial Use

91585 Contractors?Subcontracted Work?In Connection with Construction, Reconstruction, Repair or Erection of Buildings

91580 Contractors Executive Supervisors Or Exe 41715 Day Care Centers-For Profit 91746 Door, Window Or Assembled Mill Work - In 92215 Dry Wall Or Wallboard Installation 92338 Dry Wall Or Wallboard Installation 63010 Dwellings - One-Family (Lessor's Risk On 63011 Dwellings - Two-Family (Lessor's Risk On 63012 Dwellings - Three-Family (Lessor's Risk 63013 Dwellings - Four-Family (Lessor's Risk On 92451 Electric Apparatus - Installation, Servi 92478 Electrical Work ? within buildings 94276 Fence Erection Contractors 94569 Floor Covering Installation ? not ceramic tile or stone 95647 Heating or Combined Heating and Air Conditioning Systems or Equipment ?

dealers or distributors and installation, servicing or repair ? no liquefied petroleum gas (LPG) equipment sales or work 96053 House Furnishings Installation ? NOC 97050 Lawn Care Services 97650 Metal Erection ? decorative or artistic 53374 Food Products Mfg - Dry 53375 Food Products MFg - Frozen 53376 Food Products MFG - Not Dry - In Glass 13453 Gasoline Stations - Full Service 13454 Gasoline Stations- Self Service 13673 Grocery Stores

Territory 6

Territory 7

Territory 8

Territory 9

Territory 11

Limit Prem Total Cost Total Cost Payroll Per Pers Payroll Payroll Payroll Unit Unit Unit Unit Payroll Payroll Payroll Payroll Payroll

$1M/ $2M 11.59

9.33

92.22 59.07 53.03 39.35 19.51

619 774 1103 1042 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 73.84 66.29 49.19 24.39 774 968 1379 1302 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 110.27

53.03 39.35 19.51

720 900 1279 1211 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 137.84

66.29 49.19 24.39

900 1124 1599 1514 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 79.07 53.03 39.35 19.51

964 1204 1713 1623 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 98.84 66.29 49.19 24.39 1205 1505 2141 2029 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 22.24 53.03 39.35 19.51

437 548 778 735 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 27.80 66.29 49.19 24.39 547 685 972 918 46.45 20.59 59.60 37.43 54.40

$1M/ $2M 11.59

9.33

92.22 44.53 53.03 39.35 19.51

688 860 1222 1158 37.16 16.47 47.68 29.94 43.52

$2M/ $2M 14.49

11.66

115.28 55.66 66.29 49.19 24.39 860 1075 1528 1447 46.45 20.59 59.60 37.43 54.40

Payroll Payroll Payroll Sales Sales Sales Gallons Gallons Sales

33.17 18.71 45.45

2.73 1.62 2.00 4.55 5.30 4.76

41.46 23.39 56.81

3.41 2.03 2.50 5.69 6.63 5.95

33.17 18.71 45.45

2.33 1.41 1.65 5.02 5.84 2.63

41.46 23.39 56.81

2.91 1.76 2.06 6.28 7.30 3.29

33.17 18.71 45.45

2.13 1.30 1.48 3.91 4.59 3.18

41.46 23.39 56.81

2.66 1.63 1.85 4.89 5.74 3.98

33.17 18.71 45.45

2.41 1.45 1.72 4.70 5.52 14.39

41.46 23.39 56.81

3.01 1.81 2.15 5.88 6.90 17.99

33.17 18.71 45.45

3.27 1.92 2.47 3.98 4.66 8.81

41.46 23.39 56.81

4.09 2.40 3.09 4.98 5.83 11.01

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 6 of 12

New Jersey - General Liability Rating Sheets

Terr 6: Newark & Vicinity. Terr 7: Elizabeth. Terr 8: Perth Amboy. Terr 9: Lakewood. Terr 11: Long Branch & Vicinity.

Edition May 2016

New Business Only - Top GL Classes

Territory 6

Territory 7

Territory 8

Territory 9

Territory 11

Minimum General Liability Final Rates

Class Class Description Code

95625 Handyperson / $1000 Of Payroll

Limit Prem Payroll

$1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $1M/ $2M/ $2M $2M $2M $2M $2M $2M $2M $2M $2M $2M 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36 57.89 72.36

45190 Hotels/Motels-W/Pools Or Beach/$1000 Gs

Sales

14.48 18.10 28.06 35.08 41.57 51.96 2.94 3.68 10.90 13.63

45192 Hotels/Motels-W/O Pools Or Bea/$1000 Gs

Sales

12.18 15.23 23.63 29.54 34.97 43.71 2.47 3.09 9.20 11.50

97047 Landscape Gardening

Payroll 24.03 30.04 24.03 30.04 24.03 30.04 24.03 30.04 24.03 30.04

97223 Machinery Or Equipment - Installation

Payroll 53.33 66.66 53.33 66.66 53.33 66.66 53.33 66.66 53.33 66.66

97222 Machinery Or Equipment - Industrial

Payroll 40.03 50.04 40.03 50.04 40.03 50.04 40.03 50.04 40.03 50.04

97447 Masonry

Payroll 49.38 61.73 49.38 61.73 49.38 61.73 49.38 61.73 49.38 61.73

66561 Medical Offices

Area 576.99 721.24 655.84 819.80 806.36 1008.0 288.85 361.06 713.18 891.48

57651 Packing Houses

Sales

0.81 1.01 0.73 0.91 0.74 0.93 0.83 1.04 0.96 1.20

98304 Painting - Exterior - Buildings Or Struc

Payroll 45.97 57.46 45.97 57.46 45.97 57.46 45.97 57.46 45.97 57.46

98305 Painting - Interior -Buildings Or Struct

Payroll 28.58 35.73 28.58 35.73 28.58 35.73 28.58 35.73 28.58 35.73

46622 Parking - Private

Area 183.13 228.91 172.88 216.10 213.74 267.18 117.84 147.30 134.39 167.99

47052 Real Estate Property Managed

Sales

10.11 12.64 10.11 12.64 10.11 12.64 10.11 12.64 10.11 12.64

16819 Restaurants?Operated by Concessionaires?Other Than Not-For-Profit

Sales

8.18 10.23 9.03 11.29 7.06 8.83 8.48 10.60 7.18 8.98

16820 Restaurants?Operated by Concessionaires?Not-For-Profit Only

Sales

6.33 7.91 7.00 8.75 5.45 6.81 6.57 8.21 5.57 6.96

16900 Restaurants?No Sale of Alcoholic Bev ?with Table Service

Sales

14.00 17.50 8.18 10.23 24.21 30.26 14.33 17.91 24.42 30.53

16901 Restaurants? No Sale of Alcoholic Bev ?with seating no Table Serv

Sales

9.44 11.80 5.74 7.18 16.01 20.01 9.65 12.06 16.13 20.16

16902 Restaurants?with No Sale of Alcoholic Beverages?without Seating

Sales

9.12 11.40 5.94 7.43 14.66 18.33 9.30 11.63 14.75 18.44

16910 Restaurants?with Sale of Alcoholic Beverages < 30% of the Annual Receipts Sales of the Restaurants?with Table Service

16911 Restaurants?with Sale of Alcoholic Beverages< 30% of the Annual Receipts of Sales

8.31 10.39 4.83 6.04 14.46 18.08 8.53 10.66 14.59 18.24 7.75 9.69 4.57 5.71 13.29 16.61 7.93 9.91 13.38 16.73

the Restaurants?without Table Service with Seating

16916 Restaurants?with Sale of Alcoholic Beverages - 30% to 75% of the Total

Sales

Annual Receipts of the Restaurants?without Dance Floor

16930 Restaurants?with Sale of Alcoholic Beverages > 75% or More of Total Annual Sales

Receipts ?with Tables?No Dance Floor: Table Service

98805 Septic Tank Systems ? cleaning

Payroll

7.20 9.00 4.23 5.29 12.44 15.55 7.38 9.23 12.53 15.66 11.20 14.00 6.63 8.29 19.20 24.00 11.45 14.31 19.35 24.19 36.07 45.09 36.07 45.09 36.07 45.09 36.07 45.09 36.07 45.09

98967 Siding Installation

Payroll 69.31 86.64 69.31 86.64 69.31 86.64 69.31 86.64 69.31 86.64

98993 Sign Erection, Installation Or Repair

Payroll 111.03 138.79 111.03 138.79 111.03 138.79 111.03 138.79 111.03 138.79

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 7 of 12

New Jersey - General Liability Rating Sheets

Terr 6: Newark & Vicinity. Terr 7: Elizabeth. Terr 8: Perth Amboy. Terr 9: Lakewood. Terr 11: Long Branch & Vicinity.

New Business Only - Top GL Classes

Minimum General Liability Final Rates Class Class Description Code

99303 Street Cleaning 99746 Tile, Stone, Marble, Mosaic or Terrazzo Work ? interior construction 99777 Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating 68607 Vacant Buildings - Not Factories- (Non-Profit) 68606 Vacant Buildings - Not Factories- (For Profit) 49451 Vacant Land - (For Profit) 99938 Warehouses - Noc 68706 Warehouses - Private - (For Profit) 99975 Window Cleaning

Edition May 2016

Territory 6

Territory 7

Territory 8

Territory 9

Territory 11

Limit $1M/

Prem $2M Payroll 79.78

Payroll 27.45

Payroll 47.35

Area

74.54

Area

94.25

Per Acre 2.40

Payroll 32.17

Area 216.82

Payroll 41.39

$2M/ $2M 99.73 34.31 59.19 93.18 117.81

3.00 40.21 271.03 51.74

$1M/ $2M 79.78 27.45 47.35 84.22 106.80

2.40 32.17 245.60 41.39

$2M/ $2M 99.73 34.31 59.19 105.28 133.50

3.00 40.21 307.00 51.74

$1M/ $2M 79.78 27.45 47.35 103.93 131.17

2.40 32.17 301.97 41.39

$2M/ $2M 99.73 34.31 59.19 129.91 163.96

3.00 40.21 377.46 51.74

$1M/ $2M 79.78 27.45 47.35 37.27 46.95

2.40 32.17 108.41 41.39

$2M/ $2M 99.73 34.31 59.19 46.59 58.69

3.00 40.21 135.51 51.74

$1M/ $2M 79.78 27.45 47.35 91.75 115.76

2.40 32.17 266.89 41.39

$2M/ $2M 99.73 34.31 59.19 114.69 144.70

3.00 40.21 333.61 51.74

Minimum Premiums: General Liability only monoline or as part of a package $500 General Liability with Professional monoline or part of a package:$750

Liquor Liability part of a package: $500

Pool Charge Dwellings

Apartments Condos

$250 $750

Lower Limits: - Limit of $300K/$600K = Factor of 0.80 of the $1M/$2M rate

- Limit of $500K/$1M = Factor of 0.90 of the $1M/$2M rate

Please refer to the Northfield Underwriting guide for eligibility and a complete list of instructions

Page 8 of 12

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