Just Dial Insurance Agency

Wholesale and Retail Insurance includes of products made by others. Click on a category below to see detailed descriptions of pre-qualified businesses.

Advertising Specialty Items*
Consists of people who “sell” promotional items that companies give away to help advertise their business. The individual will often have several catalogues from manufacturers he works with. Items range from inexpensive pencils, golf tees, coffee mugs, and hats, to expensive office accessories bearing the company name and logo. Advertising/marketing consultants are not eligible under this class. No direct import of products. No writing of copy or product placement.

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

Antique Gallery/Shop*
Consists of risks specializing in rare, historic, low to high valued items of a particular type or from a particular time period as well as those that have gift shops with a few authentic antiques inter-mingled. Most items are purchased from individuals or from other dealers. Antique dealers act as liquidators and appraisers. Some may hold auctions and exhibits at trade shows or fairs. Sales/distribution of toys is not eligible under this class. No Collector items (i.e. Baseball Cards/Beanie Babies).

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

Art Gallery/Studio*
An artist who exhibits and sells paintings, drawings, graphics and a variety of other art objects — sculpture, tapestries, photos. Merchandise can range from original works of fine art to mass-produced reproductions. Value of the pieces can vary considerably and are subject to the BPP limit. Restoration and appraisal may also be included. An art studio is a workplace for an artist to study and create art objects. Ice sculptors are not eligible under this class.

Note: Art is valued on an Actual Cash Value basis only.

Artist Supplies*
Consists of sales (via the internet or parties) of supplies artists use in the process of creating pieces of art. Examples: paint, canvas, easels, pencils, charcoal, paper, fabric, yarn, sewing materials, etc. No retail storefront operations.

Barber Supplies*
Barber suppliers sell barber products, salon supplies, and equipment. Customers include private barber shops, corporate barber shops, and individuals who take care of their own hair care needs. The supplier may call on barbershops to show clients what products they have available and/or may have customers who come on the premises to purchase products. Salons/barber shops and/or tanning beds are not eligible under this class.

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

Beauty Supplies*
Beauty suppliers sell beauty products, salon supplies, wigs, and related equipment. Customers include private beauty shops, corporate beauty shops, professional salons, and individuals who take care of their own hair care needs. The supplier may call on beauty shops to show clients what products they have available and/or may have customers who come on premises to purchase products. Salons/beauty shops, tanning, body piercing and tattoos are not eligible under this class.

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

Book/Magazine Distributor*
Books and magazines are sold through the mail by subscription, sold door to door, distributed to target audiences, sold over the phone, or sold as a result of direct contact on premises. Distributors may also exhibit at trade shows or fairs.

Representatives and distributors of Barefoot Books, Bright Minds – The Critical Thinking Company, Good Books & Company LLC, NestFamily, The Southwestern Company, Usborne Books at Home and World Book Inc. are eligible operations for this classification.

Camera/Photography Sales or Repair*
This class involves selling and repairing photographic equipment, such as cameras and camera accessories, darkroom equipment, supplies and film. Some may also sell video equipment such as camcorders. Film Developing and printing are usually available via a darkroom or photo finishing laboratory that is set up in the home.

Candles*
Independent dealers of third-party manufactured candles usually sold through a home party platform. No curative or medicinal properties can be attributed. The actual designing/manufacturing of candles and/or the sale/distribution of homemade candles is not eligible under this class.

Representatives and distributors of Gold Canyon Candles LLC, Northern Lights at Home, PartyLite Gifts Inc. and Scentsy Candles (wickless) are eligible operations for this classification.

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

Cell Phones/Pagers*
Sales and service of cellular phones, pagers and beepers.

Computers*
This class involves selling computers and computer related equipment consisting of:

• Hardware: computer systems (central processing units), internal disk drives and hard drives
• Software: computer programs loaded on diskettes or compact discs
• Peripherals: video monitors, modems, trackballs, mice, numerical keypads, microphones, keyboards, external disk drives, printers, game controls, multimedia speakers, plotting boards for graphics, image reader scanners, surge protectors, headphones, virtual reality equipment
• Computer accessories: disk files, wrist rests, mouse pads and polarizing filters.
• Printer supplies: tape, ribbon, toner, inkjet refills, and paper
• Other items: periodicals, manuals, books, video game systems and game cartridges

CAD/CAM & CNC, Video Security are not eligible operations.

Cosmetics*
Cosmetics are displayed, demonstrated and sold directly to the consumer via traveling door-to-door and/or arranging parties, generally in private homes to an individual or a small group. Items commonly offered are cosmetics and skin and hair care products, clothing and novelty items. Medicinal products, wellness products, weight loss products, magnetic items, and Nikken distributors are not eligible under this class.

Representatives and distributors of Avon, Esther, Lip Ink International and Mary Kay Cosmetics are eligible operations for this classification.

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

Games/Puzzles*
Merchandise includes jigsaw puzzles, board and card games. Often the vendor will create a personalized jigsaw puzzle from a photo provided by a customer. The making of and/or sales/distribution of toys is not eligible under this class. See Retail Toys class.

Representatives and distributors of Bright Minds – The Critical Thinking Company at Home, Discovery Toys Inc. and Highlights-Jigsaw Toy Factory Ltd are eligible operations for this classification.

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

Gift Shop*
Gift shops may offer a wide variety of merchandise including novelty items, souvenirs, decorator items, greeting cards, books, stationery, glassware, pictures, and clothing. The items may be handmade or mass-produced. Baseball Card shops, the making of and/or sale/distribution of toys and/or Beanie Babies, as well as the making of candles and/or the sale/distribution of homemade candles are not eligible under this class.

Representatives and distributors of Blessings Unlimited, Christian Gifts Place (TrueVine Embroidery LLC), Claire Murray Home Gallery, Ethnic Expressions, Home & Garden Party Inc., Home Interiors & Gifts Inc., Kirks Folly Design, Living Sculptures Inc., Richmond Direct and The Longaberger Company are eligible operations for this classification.

Hobby & Model Supplies*
Merchandise is used primarily for entertainment purposes and may consist of scale-model kits of airplanes, automobiles, ships and railroads, along with finishing materials, art materials, handcraft kits, craft tools, radio control equipment and science kits. Some may also sell miniature figurines, magazines and publications specific to hobbies. Explosives, propellants and/or use of flammable liquids, toys, puppets and sporting good accessories are not eligible under this class.

Household Products*
Sales of household products. Salespeople are often part of a network marketing system and sell products door-to-door or via arranged parties in private homes to individuals or small groups. Appliance and hardware items, pet supplies, floatation devices for bathtubs/pools and carpet cleaning services are not eligible under this class. Service Providers are NOT eligible.

Representatives and distributors of Aerus LLC (formerly Electrolux LLC), Inc., AtHome America Inc., CUTCO/Vector Marketing Corporation, Dr. Leonard’s Healthcare Corporation, Enagic USA Inc., Hy Cite Corporation, Krystal Planet Corp., LifeMist Home Products LLC, International, Oreck Corporation, Our Own Image, Private Quarters, Regal Ware Inc., Quixtar, Rena Ware International Inc., Rexair Inc., Signature HomeStyles, SMC Specialty Merchandise Corp., Southern Living AT HOME, Stanley Home Products, Taste of Home Entertaining, The Fuller Brush Company, The Kirby Company, Thirty-One Gifts and Tristar Enterprises LLC are eligible operations for this classification.

Interior Window Treatments*
Sales of curtains, drapes, blinds and the hardware that they hang on. Installation of these items by the insured is acceptable. No Subcontractors.

V2K and Budget Blinds Distributors are eligible under this class.

Jewelry (costume)*
Costume or “fashion” jewelry is made out of base metal that may have filling, electroplating, and overlays. Products containing fake or semi-precious stones contained in base metal settings are considered costume jewelry. Sterling silver is acceptable. Fine jewelry is not eligible under this class. Fine jewelry is defined as any product containing real gold or alloys, precious stones (i.e. diamonds, rubies, sapphires, etc.). The cost of fine jewelry is significantly higher than that of costume jewelry.

Representatives and distributors of Accentz, Bead Retreat Ltd., Bracelet Club, Chu’s Pearls LLC, Cookie Lee Inc., Creative Beading Inc., Earth’s Elements, F.A.I.T.H. Company, Fifth Avenue Collection Ltd., Latasia & Company, Lia Sophia, Luxe Jewels, M Studio Inc., Michele Baratta at Home, Premier Designs Inc., Sarah Coventry, Silpada Designs, South Main Designs, The Glass Bracelet, Three Girls Who, Touchstone Crystal LP, Traci Lynn Fashion Jewelry, U Design Jewelry, Vantel Pearls in the Oyster and Yoffi Fine Jewelry are eligible operations for this classification.

Kitchen Supplies*
Salespeople are often part of a multi-level marketing system and sell products door-to-door or via arranged parties in private homes to individuals or small groups. Merchandise may include storage containers, measuring devices, dishes, etc. The making of knives and/or the sale/distribution of knives made by individuals are not eligible under this class.

Representatives and distributors of Demarle at Home Inc., Hurley Industries Inc., Hy Cite Corporation, Kitchen Fair (Regal Ware Inc.), Princess House Inc., Saladmaster Inc. (Regal Ware Inc.), Setting Traditions, The Pampered Chef, Tupperware Brands, UCAN2 Infotainment Inc. dba UCAN2 Cook!, Victorian Epicure Inc. and Vita Craft Corporation are eligible operations for this classification.

Musical Instrument Sales or 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.

Office Supplies*
Merchandise includes a variety of office related materials ranging from pens, pencils, paper, folders, staplers, staples and envelopes to chairs, desks and lights. Products may be sold to businesses door to door or on premises.

Paper Goods*
Consists of selling a variety of paper products, notebooks, pens and pencils, envelops, greeting cards, paper plates, etc.

Personal Care Products*
Personal Care products are sold through the mail via catalogues, sold door to door, distributed to target audiences, sold over the phone, or sold as a result of direct contact on premises. Individuals may also exhibit at trade shows or fairs. Soap makers are eligible under this class. The following are NOT eligible under this class or within the HBI program: medicinal products, wellness products, weight loss products, magnetic items, Shaklee, Herbalife, Nikken and similar related distributors.

Representatives and distributors of Acara, Aihu Inc., Arbonne International, Avalla, Avon Products Inc., BeautiControl Inc., Country Bunny Bath & Body, Daisy Blue Naturals, Dudley Products Inc., Henry Beautiful, Imagine It All, Jafra Cosmetics International Inc., Jeunique International Inc., Kara Vita LLC, Kiotis, Lady Emily, L’Bri Pure N’Natural, Livinity Inc., Mary Kay Inc., Nature’s of Scandinavia, New Vision USA Inc., Noevir USA Inc., Nouveau Cosmeceuticals LLC, Nu Skin Enterprises, NuVANTE, Oriflams Cosmetics, Pharmanex (Division of Nu Skin Enterprises), Pink Papaya LLC, Pola Inc., Premier Pigments, Self Indulgence, SeneGence International, Sensaria Natural Bodycare Inc., Share the Wealth, Spa Style, Succendo, SwissJust, TARRAH Cosmetics Inc., Terrageena Inc., The Body Shop At Home, The Happy Soul, Viviane Woodard and Zermat International LLC are eligible operations for this classification.

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

Pet Accessories*
Sale of pet accessories. No manufacturing. Items may be engraved or personalized by the applicant. Accessory items for exotic pets or farm animals are not eligible under this class.

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

Religious Goods*
Refer to Gift Shop. Merchandise is religious in content.

Representatives and distributors of Good Books & Company LLC have been pre-qualified and are eligible operations for this classification.

Retail Store NOC*
General retail of goods not otherwise classified in these class descriptions. Every effort should be made to fit the business into a more specific classification. Note: A referral to RLI is required before this classification may be applied to a particular risk.

NOTE: Medical Expenses Coverage Exclusion will be attached to all policies written for this class.

Retail Toys*
Retail sales of toys. No wholesale distribution and/or manufacture of toys are allowed in the class. Toys must be manufactured by a company headquartered in the USA.

Representatives and distributors of Discovery Toys, Inc. and Highlights – Jigsaw Toy Factory, Ltd. are eligible operations for this classification.

Seeds*
Merchandise includes various types of seeds including flowers, fruits, vegetables, herbs and other plant seeds. Seeds are often repackaged and sold in gift baskets. A seed salesperson will sometimes attend horticultural/gardening shows to sell their merchandise.

Representatives and distributors of The Happy Gardener are eligible operations for this classification.

Stationery*
Consists of selling a variety of writing products such as notebooks, pens and pencils, envelops, greeting cards, etc.

Representatives and distributors of Phoenix Trading are eligible operations for this classification.

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