Coverage Codes
View a downloadable version of the Coverage Codes.
Property coverage, which may be written as a monoline policy or part of a Commercial Package Policy.
| 1000 – Commercial Property (All Coverages) |
| 1001 – Builders Risk – Commercial |
| 1002 – Business Income |
| 1003 – Apartments – Commercial |
| 1004 – Boiler and Machinery |
| 1005 – Commercial Liability Package |
| 1006 – Commercial Multiperil Package |
| 1007 – Crop Hail |
| 1008 – Difference In Conditions |
| 1009 – Earthquake |
| 1010 – Primary Flood – Commercial |
| 1011 – Glass – Commercial |
| 1012 – Mortgagee Impairment |
| 1013 – Primary Wind – Commercial |
| 1014 – Excess Wind – Commercial |
| 1015 – Wind – Deductible Buy Back |
| 1016 – Excess Flood – Commercial |
| 1017 – Collateral Protection (Force Placed Coverage) |
| 1018 – Mechanical Breakdown |
| 1019 – CBRA Flood |
A property and liability insurance contract that provides insurance against any of the property and liability perils to which a homeowner or renter is exposed.
| 2000 – Homeowners-HO-1 |
| 2001 – Homeowners-HO-2 |
| 2002 – Homeowners-HO-3 |
| 2003 – Homeowners-HO-4 – Tenant/Renters |
| 2004 – Homeowners-HO-5 |
| 2005 – Homeowners-HO-6 – Condo Unit Owners |
| 2006 – Homeowners-HO-8 |
| 2007 – Builders Risk – Residential |
| 2008 – Primary Flood – Residential |
| 2009 – Dwelling Property |
| 2010 – Farmowners |
| 2011 – Mobile Homeowners |
| 2012 – Primary Windstorm – Residential |
| 2013 – Mold Coverage – Residential |
| 2014 – Excess Windstorm – Residential |
| 2015 – Excess Flood – Residential |
A general term used to indicate all types of insurance associated with coverage on vessels and their cargo.
| 3000 – Marina Operators Legal Liability |
| 3001 – Marine Liabilities Package |
| 3002 – Ocean Marine-Hull and/or Protection & Indemnity |
| 3003 – Ocean Cargo Policy |
| 3004 – Ship Repairers Legal Liability |
| 3005 – Stevedores Legal Liability |
| 3006 – Personal & Pleasure Boats & Yachts |
| 3007 – Ocean Marine Builders Risk |
| 3008 – Longshoremen (Jones Act) |
A branch of the insurance business, which developed from the insuring of shipments, which did not involve ocean voyages. The inland marine forms borrowed their language from fire, ocean marine, theft and other contracts. Exposures eligible for this form of protection are described in the nationwide definition of marine insurance. Such diverse properties as bridges, tunnels, jewelry and furs can now be written under Inland Marine forms.
| 4000 – Inland Marine – Commercial |
| 4001 – Inland Marine – Personal |
| 4002 – Motor Truck Cargo |
| 4003 – Jewelers Block |
| 4004 – Furriers Block |
| 4005 – Contractors Equipment |
| 4006 – Electronic Data Processing |
That insurance which pays and renders service on behalf of an insured for loss arising out of his or her responsibility to others imposed by law or assumed by contract.
| 5000 – Commercial General Liability |
| 5001 – Commercial General Liability Contractual |
| 5002 – Commercial General Liability Contractors |
| 5003 – Commercial General Liability Professional |
| 5004 – Commercial General Liability Product Recall |
| 5005 – Employment Practices Liability |
| 5006 – Excess Commercial General Liability |
| 5007 – Excess Personal Liability |
| 5008 – Commercial Umbrella Liability |
| 5009 – Directors & Officers Liability |
| 5013 – Liquor Liability |
| 5014 – Owners & Contractors Protective |
| 5015 – Personal Umbrella |
| 5016 – Comprehensive Personal Liability |
| 5017 – Pollution & Environment Liability |
| 5018 – Product & Completed Operations Liability |
| 5019 – Railroad Protective Liability |
| 5020 – Special Events Liability |
| 5021 – Miscellaneous Liability |
| 5022 – Cyber Liability |
Professional negligence by a physician, hospital, or other provider of health care.
| 6000 – Hospital Professional Liability |
| 6001 – Miscellaneous Medical Professionals |
| 6002 – Nursing Home Professional Liability |
| 6003 – Physician/Surgeon, Dentist Professional Liability |
| 6004 – Medical Excess |
A form of insurance that indemnifies the insured for any loss sustained because of an error or oversight on his or her part.
| 7000 – Architects & Engineers Liability |
| 7001 – Insurance Agents & Brokers E&O |
| 7002 – Lawyers Professional Liability |
| 7003 – Miscellaneous E&O Liability |
| 7004 – Real Estate Agents E&O |
| 7005 – Software Design Computer E&O |
A type of insurance, which protects the insured against losses involving automobiles. Personal & Commercial Auto Liability insurance cannot be written through a surplus lines insurer in North Carolina. Surplus lines insurers authorized to transact insurance in North Carolina may write personal & commercial auto physical damage, excess liability, and other physical damage related coverages.
| 8000 – Non-Owned Auto Liability |
| 8001 – Commercial Auto Excess Liability |
| 8002 – Commercial Auto Physical Damage |
| 8003 – Dealers Open Lot |
| 8004 – Garage Liability |
| 8005 – Garage Keepers Legal |
| 8006 – Private Passengers Auto-Physical Damage Only |
| 8007 – Personal Excess Auto Liability |
| 8009 – Motorcycle/Physical Damage |
A type of policy that protects an insured against losses connected with the use of an airplane. Coverage can be purchased depending upon the needs and desires of the insured and can include the liability coverages of bodily injury, property damage, passenger bodily injury and medical payments, as well as physical damage or hull coverage. Coverage can also be written for airports, aircraft dealers, airlines and hangarkeepers liability.
| 9000 – Commercial Aircraft Hull and/or Liability |
| 9001 – Airport Liability |
| 9002 – Aviation Cargo |
| 9003 – Aviation Product Liability |
| 9004 – Hangarkeepers Legal Liability |
| 9005 – Personal & Pleasure Aircraft |
| 9006 – Drones (All Coverages) |
A public wrong, a violation of criminal law. The state is the entity that brings charges against one who commits a crime and the matter is adjudicated in a criminal court.
| 1100 – Bankers Blanket Bond |
| 1101 – Blanket Crime Policy |
| 1102 – Employee Dishonesty |
| 1103 – Identity Theft |
| 1104 – Fidelity Bonds |
| 1105 – Miscellaneous Crime |
Coverages that do not belong to the other categories shown above.
| 1200 – Accident & Health |
| 1201 – Credit Insurance |
| 1202 – Animal Mortality |
| 1203 – Mortgage Guaranty |
| 1204 – Worker’s Compensation-Excess Only |
| 1205 – Product Recall |
| 1206 – Kidnap/Ransom |
| 1207 – Surety |
| 1208 – Weather Insurance |
| 1209 – Prize Indemnification |
| 1210 – Salary Protection |
| 1211 – Non-Appearance |
| 1212 – Stop Loss |
| 1213 – Event Cancellation |
| 1214 – Terrorism |