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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