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Appetite Guide

We can insure, literally, hundreds of different business types. To see some of the more common business classes we insure, please review our industry grouping below.

In addition, we have an enhanced eligibility reference guide for commercial lines risks. Now, you will be able to enter the business class description to see if it is a favorable, acceptable or prohibited class of business with MetLife and our partner carriers.

If you do not see the business you are looking for, email us with any questions.

Class Acceptability Guidelines

Agriculture Collapsed Expanded

Ineligible - any operations renting horses or carriage/cart rides for hire. No pony ride operations unless incidental as part of riding instructor operation. Equine massage therapists or equine dental technicians are currently not available for coverage. Experience is required for coverage, we currently do not have a market for start-up operations. New ventures with prior management experience is acceptable.

Not available in: AK, AL, DE, HI, ID, KS, MN, NE, ND, NV, OK, OR, SC, TX, WA, WI, WV

Target Markets:

Horse Farms, including Equine Mortality
Dairy Farms
Family Farms and Ranches
Large Commercial Growers
Grain Growers
Wholesale Nurseries
Packer of Agricultural Products
Veal Confinement Operations
Tobacco (while drying)
Food Process Operations
Livestock Haulers
Grain Operations
Wineries
Berry Farms
Potato Growers
Onion Growers
Riding Associations / Clubs
Orchards
Race Horse Owners

Note: Business Auto and Excess Coverage are not offered monoline.

Apartment Buildings, Condominiums and Associations Collapsed Expanded

Ineligible Risks:

  • Buildings over 100 years old
  • Washington State - Buildings built prior to 1975 are ineligible

 

Eligible Risks:

Apartment Buildings (5+ apartment units per fire rating division)
Residential Condominiums
Commercial Condominiums
Mercantile
Office
Others (including Manufacturing and Processing)
Residential/Commercial-Mixed Use
Shopping Centers

Up to $10 million Total Insured Values per building, with up to $75 million Total Insured Values per account

Auto Services Collapsed Expanded

Ineligible Risks: 

  • Sales of fuel can not exceed 30% of total

 

Eligible Risks:

Air Conditioning Service, Checking, Charging, Installation, and Repair
Body Repair and Collision Shops - UL Approved Paint Booth Required
Brake Installation and Repair, Shocks, and Struts
Exhaust Systems and Alignment
Detail Shops, Pin Striping, Auto Waxing, and Buffing
Electrical Repair and Installation including Speedometer Installation
General Repair with Gas Sales (Large Engine Repair Ineligible)
General Repair without Gas Sales (Large Engine Repair Ineligible)
Glass Installation, Mobile Glass Installation
Oil Change and Lubrication
Painting and Pin Striping
Rustproofing, Undercoating, and Glazing
Sound and Communications Equipment Repair, and Installation
Transmission Repair and Installation
Tune-Up and Emissions Testing
Upholstery, Tops, Sunroof Repair, and Installation

Up to $5 million Total Insured Values (Building and Business Personal Property) at each location, with up to $10 million Total Insured Value per account.

Buildings Collapsed Expanded

Ineligible Risks:

  • If tenant operations are ineligible, the building is ineligible for coverage
  •  Buildings over 100 years old

 

Eligible Risks:

Apartment/Condominiums
Garages and Gas Stations
Manufacturing, Processing, and Contracting
Mercantile
Office
Religious Use
Shopping Centers

Up to $15 million Total Insured Values per building, with up to $75 million Total Insured Values per account, and up to 15 buildings.

Business - Service Collapsed Expanded

Ineligible Risks:

Nail Salons
Logistics Services

 

Eligible Risks:

Barber Schools
Barber Shop
Beauty Schools
Beauty Shop - (operations with permanent tattooing and makeup ineligible)
Carpet, Rug, and Upholstery Cleaning
Dental Labs
Diaper, Uniform, and Linen Supply
Disc Jockeys and Musicians
Dressmaker
Dry Cleaners and Laundries, Coin-Operated, Attended
Dry Cleaners and Laundries, No Plant on Premises, Attended
Dry Cleaners and Laundries, Plant on Premises
Duplicating and Photocopying
Engraving Services
Film Processing
Key Cutting
Locksmith
Media Duplication
Office Machine Repair
Packaging and Mailing Services
Pet Day Care, Kennels, Groomers, and Sitters
Recording Studios—Music
Sewing Machine Repair
Shoe Repair
Small Appliance Repair
Tailor Shops—Men’s and Women’s
Taxidermist Services—Shop only
Televisions, Stereo, and VCR Repair
Typewriter Sales and Service
Videotape Editing Service

Up to $5 million Total Insured Values per location, with up to $50 million Total Insured Values per account, and up to 15 locations. Up to $15 million in Total Annual Sales per account.

Contractors Collapsed Expanded

Eligible Risks:

Air Conditioning  
Carpentry—Interior Only 
Carpet and Floor Covering Installation 
Carpet, Rug, and Upholstery Cleaning 
Communication Equipment Installation—Industrial or Commercial (roof top installation is ineligible)
Counter Top Installation 
Door, Window or Assembled Millwork Installation (3 years in business required)
Driveways, Sidewalks, and Parking Areas 
Electrical, Household Appliances and Equipment Installation, Service, Repair Electrical Wiring within Buildings (wiring of security systems ineligible)
Excavation (Residential Only)
Fence Dealers and Installers 
Furniture and Fixture Installers—Commercial 
Glaziers 
Heating—Combined HVAC 
House Furnishing Installation 
Iron Works—Decorative or Artistic 
Janitorial Service (Window Cleaning above 2 Stories Ineligible)
Landscape Gardening (Limited Residential Snow Plowing, Tree Trimming Ineligible) 
Lawn and Garden Sprinkler Installation 
Masonry
Painters (Must have been in business for 3 years or more, buildings cannot be more than two stories)
Plumbers

Handymen Collapsed Expanded

Handymen (only available in CT, MA, NJ, NY, OH, PA and VA)

Eligibility Guidelines:

  • 5 or less full time employees
  • Gross Annual Receipts of $1,000,000 or less
  • Sub-contract out less than 25% of work
  • Majority of work Residential (Commercial not to exceed 25% of work performed)
  • No leasing of equipment to others
  • Annual Payroll of $500,000 or less
  • Good Loss History

 

Acceptable Risks: 

  • Carpentry
  • Masonry
  • Sidewalk or Driveway Paving
  • Window & Door Installation
  • Plumbing
  • Drywall
  • Electrical
  • Landscaping
  • Interior Decorating
Manufacturing Collapsed Expanded

Please call ahead to confirm that we have a market for your client. Many manufacturing risks appear eligible but the end product use may make it ineligible.

Ineligible Risks: Any risk engaged in military, aerospace, automobile or government projects. Risks with less than 3 years in business are ineligible.

Eligible Risks:

Food Products Manufacturers 
Bakery, Candy, and Confectionery Products Manufacturers 
Dairy Products Manufacturers 
Fruit, Vegetable and Processed Food Manufacturers 
Metal Manufacturers 
Fabricated Metal Products Manufacturers 
Forged Metal Products Manufacturers 
Machine Shops
Paper Products Manufacturers 
Bags – Plastics, Laminated, and Coated 
Bags – Uncoated Paper and Multi-wall 
Bookbinders 
Coated and Laminated Paper 
Converted Paper and Paperboard Products 
Corrugated and Solid Fiber Boxes 
Die-Cut Paper and Board 
Envelopes 
Fiber Cans, Drums, and Similar Products 
Folding Paperboard Boxes 
Laminated Packaging Paper and Plastics Film 
Sanitary Paper Products 
Setup Paperboard Boxes 
Stationery Products 
Plastic & Rubber Products Manufacturers 
Plastic & Rubber Products Manufacturers 
Jobs Shops 
> Jobs Shops include shops that manufacture, modify or process products according to customer specifications. 
> No design of products without customer sign-off. 
Textiles and Leather Goods Manufacturers 
Apparel and Accessories 
Apparel—Belts 
Automotive and Apparel Trimmings 
Canvas and Related Products 
Carpet and Rugs 
Coated Fabrics, Not Rubberized 
Cordage and Twine 
Curtains and Draperies 
Dress and Work Gloves, Fabric 
Fabricated Textile Products 
Footwear Cut Stock 
Footwear, Except Rubber 
Fur Goods 
Girls’ Dresses and Blouses 
Girls’ Outerwear 
Hats, Caps, and Millinery 
Hosiery 
House Furnishings 
House Slippers 
Leather and Sheep-lined Clothing 
Leather Gloves and Mittens 
Leather Goods 
Lingerie, Loungewear, and Nightwear Garments 
Luggage 
Machine Embroideries 
Men’s and Boys’ Clothing 
Men’s and Boys’ Clothing—Shirts Men’s and Boys’ Clothing—Suits and Coats
Men’s and Boys’ Clothing—Trousers and Slacks 
Men’s and Boys’ Clothing—Underwear 
Men’s and Boys’ Clothing—Work Clothing 
Men’s Footwear, Except Athletic 
Non-woven Fabrics 
Personal Leather Goods, Except Handbags and Purses 
Pleating and Stitching 
Textile Bags Textile Goods 
Tire Cord and Fabrics 
Waterproof Outerwear 
Women’s and Misses’ Clothing—Blouses and Shirts 
Women’s and Misses’ Clothing—Dresses 
Women’s and Misses’ Clothing—Outerwear 
Women’s and Misses’ Clothing—Suits and Coats
Women’s and Misses’ Clothing—Underwear 
Women’s Footwear, Except Athletic 
Women’s Handbags and Purses 
Women’s Hosiery, Not Socks 
Wood Products Manufacturers 
Burial Caskets 
Cabinets 
Furniture and Fixtures 
Household Furniture, Except Upholstery 
Household Furniture 
Household Furniture, Upholstered 
Kitchen Cabinets 
Office and Store Fixtures 
Office Furniture 
Public Building Fixtures 
Wood Boxes, Nailed 
Wood Containers

Up to $7.5 million Total Insured Values (Building and Business Personal Property) at each location, with up to $10 million Total Insured Values per account, and up to $10 million Total Annual Sales. 

Office Collapsed Expanded

Ineligible Risks:

  • Social Workers
  • Logistics Offices

 

Eligible Risks:

Accounting, Auditing, Bookkeeping
Actuarial Consultants
Acupuncturists
Advertising, Graphic Artists, and Commercial Art Services
Audiologists—Testing Only
Chiropractors
Claims Adjusters—Independent
Consultants—All Other
Consultants—Management
Credit and Debt Counseling (Collection Agencies Ineligible)
Dentists and Dental Surgeons
Direct Mail Advertising Services
Employment Agencies (Temporary Employment Ineligible)
Financial Planners
Insurance Agents
Interior Decorators and Window Designers
Lawyers
Media Buyers
Mortgage Brokers
Notary Public
Occupational Therapists
Optometrists
Pet Groomers, Sitters, Pet Day Care, and Kennels
Physicians and Surgeons, including Osteopaths
Physical Therapists
Podiatrists
Psychiatrists
Psychologists
Public Relations
Publishers—Books and Periodicals
Publishers—Newspaper
Real Estate Appraisers
Real Estate Sales—Commercial
Real Estate Sales—Residential
Speech Therapists
Stenography, Typing, Court Reporting and Word Processing
Stockbrokers
Tax Preparation Services
Telemarketing and Research Services
Telephone Answering Services
Title Agencies
Veterinarians (Exotic Animal Care Ineligible)
X-Rays or Imaging Laboratories

Professional Liability Coverage (E&O) Collapsed Expanded

We currently have a product available for the classes listed below:

  • Accountant E&O
  • Architect E&O
  • Attorney E&O
  • Consultants E&O
  • Home Inspectors E&O
  • Home Insurance Agent E&O
  • HR Consultant E&O
  • Interior Decorators E&O
  • Nurses E&O
  • Photographers E&O
  • Physicians E&O
  • Realtor E&O
  • Travel Agents E&O

If you do not see a specific class, please call 877-632-0022 and speak to a licensed Consultant as additional classes may be available.

Religious Institutions Collapsed Expanded

Ineligible Risks:

Churches with soup kitchens
Buildings Over 100 Years Old

 

Eligible Risks:

Owner-Occupied and Tenant-Occupied Religious Institutions

Up to $5 million Total Insured Values (Building and Business Personal Property) at each location, $25 million Total Insured Values per account, and up to 5 locations.

Restaurants Collapsed Expanded

Ineligible Risks: 

  • Businesses that provide delivery 
  • Tableside cooking
  • Businesses with roof top dining
  • Restaurants with outdoor fire pits 
  • Restaurants without adequate Fire Extinguising Systems
  • Liquor Liability Not Available in Alabama or Vermont

 

Eligible Risks: 

Liquor Sales up to 30% of total sales (fine dining up to 50%), Higher limits allowed in the states of (CT, DC, DE, GA, KY, LA, MA, MD, ME, MS, NC, NH, NY, NY, PA, RI, SC, VT AND WV). Call for details.

Fast Food 

  • Asian 
  • Drive-In (Service in Car) 
  • Food Courts 
  • Mexican Take-Out 
  • Pizza 
  • Subs and Sandwich Take-Out 
  • All Other 

Family style 

  • Asian 
  • Buffet 
  • Cafeteria 
  • Italian 
  • Other Ethnic Cuisine 
  • Pizza (No Delivery) 
  • Seafood 
  • Steak Barbecue 
  • All Other 
  • Banquet and Reception Services 
  • Catering 
  • Fine Dining 

Liquor Liability available

Up to $10 million Total Insured Values per location, with up to $25 million Total Insured Values per account.

Up to $10 million in Annual Sales per account.

Store/Retail Collapsed Expanded

Ineligible Risks:

Thrift shops
24 hours convenience stores in the states of CT, MA, MD, NJ, NY, OH, PA, and VA

 

Eligible Risks:

Air Conditioning, Heating Supplies
Antique Stores
Appliances
Aquarium Supplies and Tropical Fish
Army—Navy Stores
Art Gallery or Dealer
Art, Pictures and Posters
Artist’s Supplies
Athletic Footwear
Audio/Visual Equipment
Automobile Accessories
Bagel Shops
Bakeries
Balloon and Novelty Stores
Barber, Beauty Supplies—Retail
Bed and Bath Shops
Beverage Stores, No Alcoholic Beverages
Beverage Stores, Selling Beer or Wine
Bicycle Shops
Blanket and Bedding
Books, Magazines
Brass Specialty Stores
Bric-a-brac and Curio Shops
Bridal Shops
Butcher Shops
Cake Decorating Equipment and Supplies
Camera, Photographic Supplies and Repair
Candle Shops
Candy, Nut, Confectionery
Cards, Stationery
Carpet, Floor Coverings
Catalog and Premium Coupon Redemption Stores
Ceramics and Pottery
Cheese Shops
China and Crystal Stores
Christmas Stores
Clock Shop with Repair
Clothing, Accessories: Children’s and Infants’
Clothing, Accessories: Maternity Clothing
Clothing, Accessories: Men’s and Boys’
Clothing, Accessories: Sports Apparel and Accessories
Clothing, Accessories: T-Shirt Shops
Clothing, Accessories: Women’s and Girls’
Coffee Bars
Collectibles—Coins, Stamps
Collectibles—Sport Cards and Memorabilia
Computers
Convenience Store, No Gas Pumps
Convenience Store, Selling Gas
Cookie Stores
Cosmetics, Toiletries
Crafts
Curtains, Draperies
Dairy Products
Dance Supplies
Delicatessens, No Cooking
Delicatessens, with Cooking
Department Stores
Donut Shops
Dry Goods Stores
Education and School Supplies
Electrical Supplies
Electronics Stores
Equipment, Fixtures, Supplies for Bars, Hotels, Offices or Stores
Equipment, Fixtures, Supplies for Restaurants
Fabrics
Flag and Banner Stores
Florist Shops including Artificial Flowers
Frame Shops
Fruits and Vegetables
Furniture
Furniture, Patio
General Stores
Gift, Novelty, Souvenirs
Glass
Golf Equipment Stores
Gourmet Coffee Shops
Grocery Stores and Supermarkets
Hardware
Health Food
Hearing Aid and Audiology Centers
Hobby Shops Including Miniatures, Models and Trains
Home Improvement Stores
Ice Cream and Frozen Yogurt Shops, No Cooking
Jewelry Fine
Jewelry—Imitation and Novelty
Juice Bars
Kiosks
Kitchen Accessories, Including Cutlery
Knives and Scissors
Lamps, Lighting Fixtures
Lawn, Garden Outdoor Fixtures
Lawn, Garden Supplies
Leather Goods
Linen and White Goods
Lingerie, Hosiery
Liquor Stores (Liquor Liability Not available in Alabama or Vermont)
Luggage Stores
Mattress stores (Not Stored On Site)
Meat, Fish and Poultry
Mirror and Home Decorations
Monuments
Musical Instruments—Pianos, Organs
Musical Instruments—other than Pianos and Organs
Newspaper and Magazine Stands
Office Furniture
Office Machines
Office Supplies
Optical Goods
Paint, Wallpaper, Tile
Paper and Paper Products
Party Supply Stores
Pet Store
Pet Food and Supplies
Photography—Portrait, Including Videotaping
Photography—Commercial
Plumbing Fixtures, Supplies
Records, Tapes, Compact Discs
Religious Articles
Running and Track Equipment
Sewing Machines
Ship Chandler Stores
Shoes
Sign Stores
Specialty Foods
Soccer Apparel and Equipment
Sporting Goods, Bait and Tackle, No Firearms or Skis
Stereos
Sunglasses Shops
Telephone Stores
Televisions
Tennis Apparel and Equipment
Ticket Sales
Tie Shops
Tile Stores
Toys
Trophy Stores
Tuxedo Rental
Uniform Stores
Vacuum Cleaner Sales and Service without Central Installation
Vacuum Cleaner Sales and Service with Central Installation
Variety Store
Vending Machine Operators
Video Store Wig Shops
Yarn Shop

Up to $5 million

Total Insured Values per location, with up to $50 million Total nsured Values per account, and up to 15 locations. Up to $15 million in Total Annual Sales per account.

Technology Manufacturers Collapsed Expanded

Ineligible Risks: Any risk engaged in military, aerospace or government projects. TimeKeeping equipment is ineligible.

 

Eligible Risks:

Computer Peripherals
Computer Peripheral Equipment Mfg
Computer Storage Device Mfg
Computer Terminal Mfg
Electronic Components —Passive
Electron Tube Mfg
Electronic Capacitor Mfg
Electronic Coils and other Inductors Mfg
Electronic Component Mfg
Electronic Connector Mfg
Electronic Resistor Mfg
Printed Circuit Board Assembly or Stuffing
Industrial Measurement & Display Products
Industrial Measurement and Display Product Mfg
Instruments and Devices Used for Measuring
Instruments for Measuring and Testing Electricity and Electrical Signals Measuring and Controlling Device Mfg
Scale and Balance Mfg
Totalizing Fluid Meters and Counting Device Mfg
Laboratory Equipment, Instruments, and Devices
Laboratory Analytical Instrument Mfg
Laboratory Apparatus and Furniture Mfg
Magnetic and Optical Recording Media
Blank CD, Tape, and Record Mfg
Office Equipment
Calculating and Accounting Machine Mfg
Office Machine Mfg
Photographic Equipment, Optical Instruments, and Supplies
Optical Instruments and Lens Mfg
Photographic Equipment and Supply Mfg
Telecommunication and Broadcast Equipment
Radio, Television Broadcasting and Communications Equipment Mfg Telephone and Telegraph Equipment Mfg
Watch, Clock and Clockwork Device Mfg

Up to $7.5 million Total Insured Values (Building and Business Personal Property) at each location, with up to $10 million Total Insured Values per account, and up to $10 million Total Annual Sales.

Technology Office Collapsed Expanded

Eligible Risks:

Commercial Computer Installation, Service, or Repair
Computer Consultants
Computer Consultants—Remote Offices
Computer Instruction
Data Preparation & Processing
Information Technology Facilities Management
Personal Computer Installation, Service, or Repair
Software Developers and Designers—Custom
Software Developers and Designers—Prepackaged
Web-based Services—Applications for General Use
Web-based Services—Applications for Specific Business Use
Web-based Services—Internet Search and Index Tools
Web site Developers & Designers

Up to $15 million Total Insured Values per location, with up to $50 million Total Insured Values per account, and up to 15 locations. Up to $15 million in Total Annual Sales per account.

Wholesalers Collapsed Expanded

Eligible Risks

Air-Conditioning Equipment and Supplies
Analytical Instruments (Photometers, Spectrographs)
Architect, Drafting and Engineer, Equipment, and Supplies
Brick, Stone, and Related Construction Materials
Cutlery
Cameras, Equipment, and Supplies
Caskets, Burial Vaults, and Boxes
Communication Equipment, Except Household
Computers and Computer Peripheral Equipment and Software
Condensers, Electronic
Construction Materials, Not Elsewhere Classified
Cooking Equipment, Commercial
Dry-cleaning Plant and Laundry Equipment and Supplies
Electrical Apparatus and Equipment, Wiring Supplies
Electrical Appliances, Household
Fasteners
Furnaces, Heating
Fixtures, Store Not Refrigerated
Garage Service Equipment
Hardware
Home Furnishings
Humidifiers and Dehumidifiers, Except Portable
Janitor’s Supplies
Laboratory Equipment, Except Medical or Dental
Luggage
Motor Vehicle Supplies and New Parts
Musical Instruments
Office Equipment Ophthalmic Goods
Plumbing and Heating Equipment and Supplies
Refrigeration Equipment and Supplies
Resistors, Electronic
Service Establishment Equipment and Supplies
Shoe Repair Materials
Signs, Except Electric
Sporting and Recreational Goods and Supplies
Staples
Transistors

 

Non-Durable Goods

Artist Materials
Bags, Boxes, Paper, and Disposable Plastics
Beer and Ale
Books, Periodicals, and Newspapers
Bottled and Canned Soft Drinks and Carbonated Waters
Candles
Confectionery
Dairy Products, Except Dried or Canned
Footwear
Fresh Fruits and Vegetables
Groceries and Related Products, Not Elsewhere Classified
Groceries, General Line
Hair Accessories
Ice, Manufactured or Natural
Industrial and Personal Service Paper
Jewelry Boxes
Meats and Meat Products
Men’s and Boys’ Clothing and Furnishings
Packaged Frozen Foods
Pet Supplies, Except Pet Food
Piece Goods, Notions, and Other Dry Goods
Printing and Writing Paper
Stationery and Office Supplies
Toys and Hobby Goods and Supplies
Wine and Distilled Alcoholic Beverages
Women’s, Children’s, and Infants’ Clothing and Accessories

MANUFACTURERS REPRESENTATIVES

Business must not take possession of or title for goods sold

Up to $15 million Total Insured Values (Building and Business Personal Property) at each location; up to $25 million Total Insured Values per account; and up to $15 million Total Annual Sales. Up to $15 million in Total Annual Sales per account.

Business Classes Currently Not Eligible Collapsed Expanded

Please check back for updates on non-eligible business classes.

  • 24 hour convenience stores
  • Acting Studios
  • Aviation
  • Bail Bonds and Bail Bondsmen
  • General Contractors (see "Contractors" above for eligible risks)
  • Gun Shops
  • In-home Health Services
  • Limo or Taxi Services
  • Marinas
  • Nail Salons
  • Pawn Shops
  • Property Management
  • Roofers
  • Social workers
  • Tree trimming or pruning services
Tips for Success Collapsed Expanded

Setting Expectations with Your Clients

1. Unlike personal lines, some commercial policies are difficult to rate and require a full application for submission to the carrier in order to get a rate.

These lines of business include, but aren’t limited to: 

  • Directors and Officers coverage 
  • Errors and Omissions policies 
  • Policies for car dealerships
  • Physicians malpractice
  • Risks that trigger underwriting review due to the class or loss history

Careful consideration is taken on these risks by the carriers’ underwriter before providing a rate. As a result, the turnaround time for these is longer than you’d typically experience. While MetLife GA consultant will make sure to let you know if this is the case, please keep it in mind when submitting a lead that doesn’t fit on a typical BOP. Eligibility will vary by carrier.

2. MetLife GA carriers have minimum coverage requirements. These are: 

  •  General liability limit of $1mil per occurrence/ $2mil aggregate 
  •   Commercial auto liability limit of $300,000 combined single limit 
  •   Employer liability of $500,000 on a Worker’s Compensation policy ($1mil in CA).

While most national carriers have these same minimums, occasionally we’ll see an insured’s current policy with lower limits. MetLife GA is not able to provide apples-to-apples quotes for limits lower than these. We do encourage you continue with the quote and explain the need most business owners have for these higher liability limits.

3. During the spring and summer months Special Events policies typically run 48 hours to return rather than the typical 24 hours due to volume.

4. We require payment in full on annual premiums less than $500