Click on the business services categories below to see detailed descriptions of pre-qualified home businesses.
|Adjuster (Claim)||Loan Origination Service|
|Appraisal Service||Medical Claims Processing|
|Expert Witness Consultant||Printer|
|Financial Planner||Rubber Stamp Business|
|Inventory Control Specialist|
Adjuster (Public or Independent Claim Adjuster)*
An adjuster will examine, investigate, analyze and adjust the loss claims presented to insurance companies by their insured’s. Investigations consist of gathering evidence and collecting witness statements or depositions. Independent adjusters may handle claims for all insurance lines and are often hired by companies to handle claims in an area where they do not have enough business to open a branch of staff adjusters. Public adjusters are independent contractors hired by insured’s consisting of businesses, homeowners and government agencies. Public adjusters handle fire losses and losses stemming from windstorms, explosions, or business interruption. In addition, they help a client complete claims forms and maximize insurance recovery following a loss. Insurance Investigators are not eligible under this class.
Valuations experts estimate market value or the cost of producing or replacing physical property such as art, furniture jewelry, or antiques, and the determination of the worth of property, and forecast the monthly earning power of certain classes of property. Energy consultants are not eligible under this class.
Auctioneers sell goods by means of competitive bidding either through live auctions, or on the internet (i.e. eBay). They act as a fiduciary for the seller with the capacity to turn assets into cash. The seller consigns or entrusts property or goods for sale to the auctioneer or auction house. The auctioneer has full responsibility for determining and preparing the auction site, inventorying and cataloguing the goods, arranging for advertising, ensuring that the seller has title to the goods, receiving payment from the buyers, and paying the consignor. There must be no commingling of the seller’s funds with the auctioneer’s personal funds.
Note: Personal and Advertising Injury Exclusion will be attached to all policies written for this class.
Expert Witness Consultant*
This class consists of individuals with a high degree of skill, knowledge, experience, training or education on a certain subject who are called upon to provide testimony. Public speakers are not eligible under this class.
Financial planners provide advice to clients regarding strategies and actions to achieve financial goals based on an analysis of the personal and financial condition, resources, and capabilities of the client. They may advise a client on investments and better management policies/procedures. The primary objective of a financial planner should be to prepare a financial plan that best suits the client’s needs. Discretionary trading authority and/or access to customer’s funds are not eligible under this class.
Inventory Control Specialist*
Primary services include creating and/or maintaining an itemized list and count of merchandise or stock on hand, work in progress, raw materials, and finished goods. The specialist may develop control policies and procedures for clients. Recognition and notification to clients of impending inventory shortages or overages are within the scope of this classification. However, the actual requisition or disbursement of inventory is not eligible under this class.
Loan Origination Service*
Loan originators help people put together the paperwork needed to obtain a mortgage. They do not make decisions for the lender, but gather information and prepare documentation to help facilitate the mortgage application process.
Medical Claims Processing*
Many hospitals and doctors have turned the task of filing claims over to the patient. Instead of dealing with the hassles and red tape of filing themselves, growing numbers of people are turning to claims processing services to file their medical claims for them. The claims processor fills out and submits claims to the appropriate medical and dental insurance companies to make sure his or her clients get paid the benefits they are due. Individuals may not have access to their client’s funds.
Services consists of interviewing different publics to obtain their opinion. Information is gathered by interviews conducted in person, over the telephone, or through direct mail surveys. Other facts include opinion polling, consumer behavior research, computer software services, product testing, and field audits. Organizations utilize a market research firm because they want to determine how to sell their product more effectively or how to better present their services to consumers, thus increasing sales. Public relations, product development consulting, marketing consultants and advertising consultants are not eligible under this class.
Note: Intellectual Property Hazard Exclusion will be attached to all policies written for this class.
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.
Rubber Stamp Business*
Rubber stamps are made and sold through mail order catalogues, trade shows and fairs, and in specialty stores. People adorn envelopes and stationery with rubber stamp impressions of animals, moon, stars, and an endless variety of designs. Using an embossing powder, raised impressions can be created. Metallic and glow-in -the-dark inks in addition to the customary red and black inks are available in office supply stores. Businesses utilize rubber stamps for dating incoming mail, applying countersignatures, etc.
Representatives and distributors of Stampin’ Up are eligible operations for this classification.
*NOTE – IN STATES WHERE APPROVED: Communicable Disease Exclusion will be attached to all policies written for this class.