Just Dial Insurance Agency

Click on the categories below to see detailed descriptions of pre-qualified businesses.

Art Instructor*
An art instructor will teach techniques in a variety of mediums which help guide students through different projects in ceramics, sculpture, painting, and drawing. Instructors help students develop their artistic skills and strengthen understanding of textures, shapes, and colors.

Note: Abuse or Molestation Exclusion will be attached to all policies written for this class.

Blogger*
A writer creating an online diary of the writer’s own experiences, observations, personal reflections, comments, and/or opinions. A personal chronological log of thoughts published on a web page; also called a blog (short for web log). Typically content is updated daily, and can often include videos, photographs, and hyperlinks.

Note: Personal and Advertising Injury Exclusion and Intellectual Property Hazard Exclusion will be attached to all policies written for this class.

Clown, Magician, Entertainer*
Individuals provide seasonal or year-round live entertainment for birthday parties, small gatherings, special events, etc. Face painting and temporary “painted/stickered” tattoos are eligible under this class. Bands, disk jockeys, talent agents, and booking agents are not eligible under this class. NO inflatables, petting zoos, or animal trainers.

Disk Jockeys are available under the DJ class.

Note: Abuse Molestation Exclusion will be attached to all policies written for this class.

Dance Instructor*
Services typically include instruction to individuals and groups for wedding, ballroom, and Latin dancing. Instruction may be private, individual lessons or party and corporate functions. Tap, Ballet, and Jazz are acceptable, but NO tumbling or gymnastics.

Note: Medical Expenses Coverage Exclusion and Abuse Molestation Exclusion will be attached to all policies written for this class.

DJ*
Disc Jockey who selects and plays prerecorded music for an audience.

Note: Intellectual Property Hazard Exclusion and Personal & Advertising Injury Exclusion and Abuse Molestation Exclusion will be attached to all policies written for this class.

Model*
A model is an individual who serves as a subject for an artist or photographer. The modeling industry can be broken down into two broad categories: fashion modeling and commercial modeling. The former promotes fashion and beauty, and the latter promotes products and services of all kinds. Models may be used for fashion shows or to demonstrate products in showrooms or at trade shows. Or they maybe photographed or sketched for catalogs, advertisements, editorials, etc. Modeling agencies are not eligible under this class.

Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.

Professional Speaker*
Professional speakers are qualified experts who have speaking experience and use their presentation skills to train, lecture, inspire, motivate, entertain — communicate a myriad of topics. These individuals speak at meetings, conferences, conventions, trade shows, seminars, etc. Management consultants are not eligible under this class. (Management Consultants act as an advisor and work directly with a client to provide specific analysis to their business. They assist in identifying problems, analyze such problems, and recommend solutions to these problems. This can involve any part of the business structure such as human resources, technical systems, cost analysis, competition).

Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.

Publisher*
A publisher prepares and issues printed material for public distribution or sale. Related functions include: preparing manuscripts for typesetter, supervising the book manufacturing process, marketing and publicizing, processing orders, warehousing and shipping.

Note: Intellectual Property Hazard Exclusion will be attached to all policies written for this class.

Teacher/Tutor*
A teacher will give instruction and impart knowledge or skill to students. A tutor is a private teacher who gives additional, special, or remedial instruction. Consultants may be written under this class with the following qualifications: They can only “teach” a process — no actual “hands on” work (i.e., teach how to program a robot, but no actual programming of the robot performed). The sale of authored materials, (i.e., books or manuals) must have the secondary code of Writers/Authors attached. Gross annual sales of such materials may not exceed 30%. Teaching/tutoring of sports, physical education, industrial or martial arts is not eligible under this class. Abuse/Molestation coverage is excluded.

Writer/Author*
Writers/authors practice writing as a profession. Written materials such as articles and books are produced. Technical writers and grant writers are eligible under this class as long as they do not receive and/or distribute funds. Marketing/advertising consultants are not eligible under this class.

Note: Personal and Advertising Injury Exclusion and Intellectual Property Hazard Exclusion will be attached to all policies written for this class.

*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.