Other Services
At RLI, we understand that no two companies are alike; likewise, potential business risks and hazards never happen in exactly the same way. If your business is eligible for insurance coverage under one of the listings below, make sure it is safeguarded from all future harm.
Bookbinding
Also called binderies, bookbinding business operations bind together hardback and paperback books, catalogues, and manuals. Both binderies that focus on one area, as well as those that specialize in more than one type of publication type are eligible for coverage.
Binding materials span from leather, plastic, and cloth, to paper, wire rolls, and solvents. Types of binding completed by businesses eligible under this class include edition, job, extra, library, perfect, and mechanical binding.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Clock or Watch Repair
RLI offers this policy to clock or watch repair businesses that concentrate in fixing broken or malfunctioning timepieces. Operations that we cover can specialize in antique items or offer general repair services. Types of jobs can include sub-contractor work, as well as contract jobs, and those from other repairmen.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Engraver
We created this specific classification to cater to professionals who etch designs onto hardened materials, such as glass. If engravers sell their goods at crafts festivals or similar arenas, they may benefit from Additional Insured Coverage in order to meet the requirement of the event’s hosts.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Furniture Refinisher
RLI provides coverage options for furniture refinishers who revitalize or refresh pieces in various ways. Businesses under this class generally possess extensive knowledge of surface peculiarities and types of finishes required for different applications. Skillsets of those professionals who are covered by our policy range from paints and stains, lacquer and varnishing, sanding, color matching, and more.
Please be aware that antiques are valued on an Actual Cash Value basis only.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Genealogists
Eligible genealogist businesses work to trace family lineages and “create” a client’s family tree. These professionals search public documents such as tax records, immigration/emigration/naturalization archives, wills, and court accounts, among other sources, that can connect clients to their past.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Gift Delivery Service
We procure coverage for gift delivery services that transport customized gift baskets to client’s doors. Eligible products that are covered under this class include balloons, specialty items, foods, and any toys or baby items that originate from US-based manufacturers. However, coverage is not available for services such as running errands, shopping, or general delivery services (such as groceries), as well as the sale or distribution of toys of any kind.
Note: Selected Products Liability Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Knife Sharpening
Knife sharpening operations include 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.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Life Coach
This class pertains to those who counsel and encourage clients on matters having to do with career or personal challenges in order to help them improve their careers, relationships and lives. Wellness coaches who assist with fitness, nutrition, stress management, weight and other health-related issues, may be written under this class. Counselors/therapists, consultants and nutritionists are not eligible under this class.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Locksmith
We procure coverage for locksmith service providers whose tasks include key cutting, repairing, and rekeying locks. Eligible businesses may also design and install master key services, and facilitate the sale of alarms and other security hardware.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Music Instruments Sales/Repair
We procure coverage for businesses that sell instruments and their associated equipment under this class. In addition, some of our insured businesses may sell tapes, records, sheet music, etc. and offer repair services. Please know that we provide Additional Insured Coverage to help venders meet the requirements often enforced at trade shows or fairs.
If you give any musical lessons, please refer to our Teacher/Tutor class.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Newspaper, Magazine & Book Delivery
Under this class, RLI procures coverage for business operations that deliver magazines, books, and newspaper publications. Eligible operations may be contracted by newspaper companies, advertising companies, and bookstores. Considering the delicate nature of the paper products, this type of business owner can rest easy knowing that we offer financial assistance with any damaged inventory, as well as liability claims.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Pay Telephone Provider
Pay telephone providers eligible for insurance coverage install and service pay phones. This role is considered comparable to workers who have vending machine routes for candy or cigarettes.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Personal Assistant
These services include assisting an individual with their daily business or personal tasks, such as scheduling/organizing of appointments and/or meetings, answering/screening phone calls, arranging travel/accommodations, errand running/shopping and paying bills. Celebrity personal assistants or personal assistants for high profile individuals are not eligible.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Personalized Books & Gifts
Personalized books and novelty items are popular gifts, and are another classification protected through RLI. Eligible businesses offer customizable merchandise including coffee mugs, buttons, shirts, and books. With these and other products, one’s name or photo can be added for personalization.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Picture Framing
We procure coverage options for picture framing businesses. Qualifying services handle the enclosing of physical pieces such photographs, paintings, or prints into a supportive structure, as requested by their client.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Printer
Printing operations that qualify for this classification include those that produce editorial publications, printed advertising, packaging materials, financial and legal work, and general printed products. Qualified printer businesses utilize various printing methods – such as lithography, intaglio, letterpress, and flexography – to complete projects. In addition to financially protecting you against harmed inventory or lawsuits, a properly set up policy will monetarily compensate you for damaged equipment and the loss of profits that accompany being unable to print.
Note: Personal and Advertising Injury Exclusion, Intellectual Property Hazard Exclusion, and Communicable Disease Exclusion* will be attached in states where approved.
Residential Inspection Services
Residential inspection businesses that work to provide an objective opinion on the condition of a particular home on behalf of prospective buyers are eligible for coverage.
Aspects of this audit include examining its internal systems (i.e. heating/AC, plumbing, roofing), and require that auditors navigate the roof and attic of the house in question as part of their services.
Note: Professional Services Exclusion, Residential Inspection Services Limitation Endorsement, Communicable Disease Exclusion* will be attached in states where approved.
Scrapbooking
This class includes scrapbooking businesses that serve either multi-level enterprises or independent clients. These services include pasting newspaper clippings, magazine articles, photos, or other memorabilia into custom-decorated albums.
We also cover representatives and distributors of Close to My Heart & Creative Memories.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Sign Painting
Like the name of the classification implies, this class pertains to sign painters who specialize in crafting signs and store front windows. Sign erection and work on vehicles are operations that are ineligible for coverage.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Stenciling
Stenciling business operations that we cover include the creation and sales of handmade pieces that craftsmen create through cutting patterns in cardboard or plastic, and then applying paint around or on top of the stencil to produce the desired pattern on the surface below.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Taxidermist
We procure polices that fit the needs of taxidermists. These specialists artistically prepare, stuff, and mount the skins of animals to give the semblance of a living creature.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Toner Cartridge Recharging
Businesses qualified for coverage through RLI recharge and recycle toner cartridges and printer ribbons in an effort to reduce waste and maximize usage. Other eligible operations include minor printer and copy repairs.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Transcribing, Court Reporters
Operations eligible under this class include typing out or writing recorded information. Please be aware that court reporters manually record depositions and contents of trials for official record.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Translator
Translation business services that include interpreting and articulation of ideas into another language, form, or style are eligible for coverage. Translation may comprise converting written or verbal information to be relayed for a client.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Travel Agent
Travel agents arrange business and vacation travel for clients. This role includes coordinating transportation via airline, train, ship, and bus travel, as well as booking hotel rooms, entertainment, or vehicle rental. Eligible travel agents also may book prepackaged tours created by external tour company.
We also cover representatives and distributors of Pro Monde Travel & Travel Reaction.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Trophy Sales
RLI provides coverage for trophy sales businesses that preserve moments by providing physical mementos celebrating victory or achievements. Coverage available extends to the selling of engraved nameplates. As with all policies we arrange for our customers, this class of business financially safeguards you from the loss of income due to damaged products, subject to policy conditions and exclusions.
Note: Communicable Disease Exclusion* will be attached in states where approved.
TV & Music Related Equipment Repair
Eligible businesses under this class may do work from home or on a client’s premises.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Upholsterer
Upholsterers recondition sofas, chairs, and other furniture pieces. Businesses qualified for insurance may also issue repairs or handle the replacement of fabrics, springs, cushions, webbing, and other potentially worn or damaged items. Be aware that Furniture Refinishers have their own separate business class listing.
Eligible businesses under this class should consider Garagekeepers Coverage due to the nature of these specific operations.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Video & Music Sales/Rental
We procure coverage for businesses that facilitate video and music sales, as well as rental businesses that provide videotapes, records, cassette tapes, and compact disks for sale or rental to clients. Eligible merchandise covered for sale or rental under this business class includes blank cassettes, video game cartridges, novelty posters, and T-shirts.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Videotaping, Videography, Dubbing, Editing
Eligible businesses under this class make copies of audio and/or video tapes for customers, insert new sounds into a film or tape, or put together component parts of a film or tape by cutting, combining, and splicing. Note that producers of television programs, commercials, documentaries, or films are not eligible for coverage under this class.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
Vinyl/Leather Repair
RLI procures coverage for operations that focus on repairing vinyl and leather goods. This work may be done with commercially available repair kits, and eligible businesses can provide the services at a customer’s residence or in the customer's vehicle.
In addition, businesses that qualify for coverage may also engage in oiling, treatment, or maintenance of leather/vinyl products.
Eligible businesses under this class should consider Garagekeepers Coverage due to the nature of these specific operations.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Vinyl Lettering
We provide coverage for vinyl lettering operations that make signs for storefront windows and vehicles. However, we do not include sign erection under this class.
Eligible businesses under this class should consider Garagekeepers Coverage due to the nature of these specific operations.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Unmanned Aircraft Operations
Commercial Use of Unmanned Aircraft. Designed for use with business classifications such as real estate photography, wedding and family photography, home inspections, or even for businesses who provide drone services/unmanned aerial photography to others.
Note: Communicable Disease Exclusion* will be attached in states where approved.
Wedding Officiate
We procure policies for officiants who are legally recognized by the state in which the wedding/ceremony takes place; in some ceremonies religious qualifications may be necessary. Civil officiants and clergy are not eligible.
Note: Personal and Advertising Injury Exclusion and Communicable Disease Exclusion* will be attached in states where approved.
