Just Dial Insurance Agency

Other services insurance categories below to see detailed descriptions of pre-qualified businesses.

Bookbinding*
Binderies turn printed sheets into hardcover and paperback books, catalogues and manuals. Some binderies may specialize in certain types of work; others may do various types of binding. Types of binding include: edition binding, job binding, extra binding, library binding, perfect binding, and mechanical binding. Materials used include: leather, plastic, cloth, paper, boards, thread, wire rolls, adhesive, inks, paints, varnishes, thinners, solvents, boxes and other packing materials. Depending upon the type of binding, various machines and hand tools may also be used.

Clock or Watch Repair*
These craftsmen have the knowledge and equipment needed for repairing clocks and watches. They may operate a general repair service or specialize in antiques items. The source of their business would be retail customers who contact them, or they may get work sub-contracted from retail shops or other repairmen.

Engraver*
Engravers carve, cut or etch into materials.

Furniture Refinisher*
Refinishes damaged, worn, or used furniture or new high-grade furniture to specified color for finish, utilizing knowledge of wood properties, finishes, and furniture styling. Smooths surface for finishing, using sandpaper or power sander. Selects and mixes finish ingredients to obtain specified color shade or to match existing finish. Brushes or sprays successive coats of stain, varnish, shellac, lacquer, or paint on work piece. Grains wood or paints wood trim, using graining roller, comb, sponge, or brush. Polishes and waxes finished surfaces. In general, this worker requires extensive knowledge of surface peculiarities and types of finishes required for different applications usually acquired through considerable on-the-job training and experience.

Note: Antiques are valued on an Actual Cash Value basis only.

Genealogist*
Genealogy is defined as the “study and tracing of family pedigrees.” Genealogists research and collect the names of current and ancestral family members to create a family tree for their clients. Beyond birth and death certificates and marriage licenses, genealogists’ research includes sources that reveal not only the ancestral ties of a person but also can reveal personal history. For example, typically accessed sources include: family records and oral interviews; church records; census information; probate records; wills; court records; military records; emigration, immigration and naturalization records; school records; tax records; and ship passenger lists.

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

Gift Delivery Service*
Merchandise being delivered may include balloons and gift baskets, which can be filled with specialty items, food, etc. (toys, and baby items manufactured by US domiciled manufacturers are acceptable — but not homemade). Many times the baskets are customized to fit a client’s specific need or to follow a certain theme. Personal services including running errands, shopping, or general delivery services such as groceries, are not eligible under this class. Sale/distribution of toys is not eligible under this class.

Note: Selected Products Liability Exclusion will be attached to all policies written for this class.

Knife Sharpening*
Knife Sharpening is the process of making a knife or similar tool sharp by grinding against a hard, rough surface, typically a stone, or a soft surface with hard particles, such as sandpaper. Additionally, a leather razor strop, or strop is often used to straighten and polish an edge.

Locksmith*
Locksmiths install locks, cut keys, repair and rekey locks, design and install master key and security systems, sell safes, alarms and other security hardware. A locksmith services locking devices.

Musical Instrument Sales/Repair*
Consists of selling instruments and related equipment. In addition, some may sell tapes, records, sheet music, etc. and offer repair services. If giving lessons, refer to Teacher/tutor class.

Newspaper/Magazine/Book Delivery*
Merchandise being delivered may include newspapers, magazines and books. Insured may work as an independent contractor for a variety of businesses including newspaper companies, advertising companies and book stores.

Pay Telephone Provider*
Pay telephone providers install and service pay phones; similar to people who have vending machine routes for candy or cigarettes.

Personalized Books and Gifts*
Personalized books and novelty items are popular gifts. Examples include coffee mugs, buttons, shirts and books. They are often sold at trade shows, fairs, festivals, etc. The items can be personalized with a name, birth date, photo, etc.

Picture Framing*
This class involves enclosing items including photographs, paintings, prints, etc. in a structure to provide support.

Printer*
The major product groups in the industry include publications (catalogues, directories, magazines, newspaper magazine supplements and comics); printed advertising (display advertisements, direct mail pieces, pre-printed newspaper advertising inserts, etc.); packaging materials (labels, printed rolls and overwraps); financial and legal work; and general printed products (social printing, playing cards, tickets, maps, etc.). The major printing processes include letterpress, lithography, intaglio and flexography.

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

Residential Inspection Service*
These risks provide a service to prospective home buyers who seek an objective opinion of the homes condition. Home inspectors will report on the condition of the home’s structure and systems including heating, air conditioning, plumbing, electrical and roofing. The inspection is a physical visual inspection which may include the inspector climbing upon the roof and into attic spaces.

Note: Professional Services Exclusion and Residential Inspection Services Limitation Endorsement will be attached to all policies polices written for this class.

Scrapbooking*
Services include pasting newspaper clippings, magazine articles, photos, usually personal, or other memorabilia into custom-decorated albums, or scrapbooks. A scrapbooker may work for a multi-level marketing enterprise or independently. A scrapbooker may use various software programs to create digital scrap books for their clients.

Representatives and distributors of Close to My Heart & Creative Memories are eligible operations for this classification.

Sign Painting*
Consists of individuals who specialize in the act of painting signs and store front windows. Sign erection and work on vehicles is not acceptable under this class.

Stenciling*
To mark with by using a sheet, of plastic or cardboard, in which a desired lettering or design has been cut so that ink or paint applied to the sheet will reproduce the pattern on the surface beneath.

Taxidermist*
Consists of individuals who specialize in the art of preparing, stuffing, and mounting the skins of animals, especially vertebrates, in order to give a semblance of the living animal.

Toner Cartridge Recharging*
This business has evolved due the computerization of society and the resultant growth in laser printers. The printers and some copiers have toner cartridges that are recharged and re-used, rather than disposed of. In addition to recharging toner cartridges, printer ribbons may be recycled and minor repairs may be performed on printers and copiers.

Transcribing, Court Reporter*
Transcribing involves writing or typing out from shorthand or an electronic recording medium. A court reporter will record depositions and contents of trials. The information recorded is then transcribed into documents.

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

Translator*
A translator’s task is to interpret, to explain, to put into simpler terms, to express in another language, and/or to convert from one form or style to another. The information may be written or verbal.

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

Travel Agent*
Travel agents arrange business and vacation travel for clients. The most common forms of arrangements made are for airline, train, ship and bus travel. Additionally, travel agents often make ancillary arrangements including booking hotel rooms, entertainment, or the rental of cars, boats or airplanes. Travel agents also may book prepackaged tours, put together by a tour company.

Representatives and distributors of Pro Monde Travel & Travel Reaction are eligible operations for this classification.

Trophy Sales*
A trophy symbolizes a victory or achievement and is often mounted or preserved as a memento. Trophies often identify the recipient by including engraved nameplates.

TV and Music Equipment Repair*
Individuals have the knowledge and equipment needed for repairing TV/VCR//DVR/DVD/CD players. The repair work can be done on premises or on the customer’s premises.

Upholsterer*
Consists of individuals whose business is to recondition sofas, chairs and other upholstered furniture. Other services may include repair to or replacement of fabrics, springs, cushions, webbing, and other items that are worn or damaged. They will occasionally perform furniture refinishing. Furniture refinishing alone is not eligible under this class.

Video and Music Sales/Rental*
Consists of renting and selling videotapes, records, cassette tapes and compact disks. Merchandise is also likely to include blank cassette and video tapes, video game cartridges, novelty posters and T-shirts.

Videotaping, Videography, Dubbing, Editing*
Consists of making copies of audio and/or video tapes for customers, inserting new sounds into a film or tape, and putting together component parts of a film or tape by cutting, combining and splicing. Producers of television programs, commercials, documentaries, films are not eligible under this class.

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

Vinyl/Leather Repair*
Consists of repairing all types of damage to vinyl and leather goods. Individual will often use commercially available repair kits to repair damage at a customer’s residence or vehicle. Additional services may include oiling, treatment or maintenance of leather/vinyl products.

Vinyl Lettering*
Consists of individuals who specialize in the act of making signs from vinyl lettering; including installation on store front windows and vehicles. Sign erection is not eligible under this class.

Unmanned Aircraft Operations*
Commercial use of Unmanned Aircraft. Classification is not available in New York.

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