Contractors are building more than projects—they’re building our momentum.
This sector leads our growth with strong new accounts in artisan trades, off-premises installation, and core fields like electrical, plumbing, carpentry, painting, and concrete work. Wide-ranging experience mods—from 65% to 216%—create real opportunities for safety improvements and premium savings. Our dedicated loss control team works with contractors to lower claims and strengthen safety culture through custom programs and hands-on support.
Featured Resource: Our Loss Control Safety Talks help policyholders educate employees and help reduce injuries. View Ladder Safety Talk (English & Spanish) for practical guidance on the do's and don'ts of ladder inspection, setup, and safe use on the job site.
Appetite Guidelines
Applies to All Contractor Class Codes:
- $10,000 minimum premium for most classes
- Commercial-focused contractors preferred
- Low turnover, stable payroll, good wages
- Consistent or explainable claim frequency
- Limited height and depth exposure
- No asbestos or lead paint removal
Interior & Specialty
- Covers carpentry, wall finishes, flooring, painting, plastering, tile, and other specialty interior trades.
- 5146-1: Cabinet, Fixture Or Trim Installation
- 5348: Tile, Stone, Mosaic, Terrazzo Work
- 5403: Carpentry – Less Than $41.00 Per Hour
- 5432: Carpentry – $41.00 Per Hour Or More
- 5436: Hardwood Floor Laying
- 5437: Carpentry – Installation of Doors, Windows, Trim
- 5443: Lathing
- 5446: Wallboard Installation – Less Than $41.00 Per Hour
- 5447: Wallboard Installation – $41.00 Per Hour Or More
- 5474-1: Painting Or Wallpaper Installation – Less Than $32.00 Per Hour
- 5474-2: Waterproofing – Less Than $32.00 Per Hour
- 5479: Insulation Work
- 5482-1: Painting Or Wallpaper Installation – $32.00 Per Hour Or More
- 5482-2: Waterproofing – $32.00 Per Hour Or More
- 5484: Plastering – Less Than $38.00 Per Hour
- 5485: Plastering – $38.00 Per Hour Or More
- 5645: Carpentry – Detached Structures
- 9521-1: House Furnishings Installation
- 9521-2: Floor Covering Installation
- 9521-3: Window Covering
Mechanical & Electrical
- Focuses on building systems and technical trades such as electrical, plumbing, HVAC, ductwork, and sprinklers.
- 5140: Electrical Wiring – Within Buildings – $36.00 Per Hour Or More
- 5183-1: Plumbing – Less Than $32.00 Per Hour
- 5183-2: Refrigeration Equipment – Less Than $32.00 Per Hour
- 5183-3: Heating Or Air Conditioning Equipment – Less Than $32.00 Per Hour
- 5184: Steam Pipe Or Boiler Insulation – Applying Non-Conducting Materials
- 5185: Automatic Sprinkler Installation – Less Than $33.00 Per Hour
- 5186: Automatic Sprinkler Installation – $33.00 Per Hour Or More
- 5187-1: Plumbing – $32.00 Per Hour Or More
- 5187-2: Refrigeration Equipment – $32.00 Per Hour Or More
- 5187-3: Heating Or Air Conditioning Equipment – $32.00 Per Hour Or More
- 5190: Electrical Wiring – Within Buildings – Less Than $36.00 Per Hour
- 5195: Communications Cabling – Within Buildings
- 5538-2: Heating Or Air Conditioning Ductwork – Less Than $33.00 Per Hour
- 5542-2: Heating Or Air Conditioning Ductwork – $33.00 Per Hour Or More
Structural & Exterior
- Includes heavy construction and exterior structural trades such as masonry, concrete, steel, doors, and glazing.
- 5020: Ceiling Installation – Suspended Panels
- 5027: Masonry – Less Than $35.00 Per Hour
- 5028: Masonry – $35.00 Per Hour Or More
- 5029: Concrete Or Asphalt Sawing Or Drilling – N.O.C.
- 5107: Door, Door Frame Or Pre-glazed Window Installation
- 5108: Door Installation – Overhead
- 5201-1: Concrete Or Cement Work – Less Than $33.00 Per Hour
- 5201-2: Concrete Or Cement Work – Less Than $33.00 Per Hour
- 5205-1: Concrete Or Cement Work – $33.00 Per Hour Or More
- 5205-2: Concrete Or Cement Work – $33.00 Per Hour Or More
- 5212: Concrete Pumping – All Operations
- 5213: Concrete Construction – N.O.C.
- 5214: Concrete/Cement Work – Precast
- 5225: Reinforcing Steel Installation
- 5467: Glaziers – Away From Shop – Less Than $39.00 Per Hour
- 5470: Glaziers – Away From Shop – $39.00 Per Hour Or More
- 5538-1: Sheet Metal Work – Less Than $33.00 Per Hour
- 5542-1: Sheet Metal Work – $33.00 Per Hour Or More
- 5606: Contractors – Executive Supervisor
- 6400: Fence Construction
- 6258: Foundation Preparation Work
Healthcare coverage that keeps care moving forward.
Our appetite spans the full spectrum of care, with strong new accounts in home care agencies, skilled nursing facilities, and physician practices. From large institutions to community providers, Healthcare accounts show impressive diversity and steady expansion. This sector stands out for its mix of high-value placements and vital community services, reflecting the trust organizations place in our expertise.
Featured Resource: Our Loss Control Safety Talks help policyholders educate employees and help reduce injuries. View Healthcare Safety Talk (English & Spanish) for practical guidance on the do's and don'ts of safe patient handling, PPE use, and injury prevention in healthcare settings.
Appetite Guidelines
Residential Care, Nursing & Home Care:
- $10,000 minimum premium for most classes
- Majority of staff full-time
- Limited transportation of patients
- Majority of patients ambulatory
- Employees trained in patient movement techniques
- No clients with violent or criminal background
- 3+ years of prior coverage preferred
- Limited volunteer exposure
- Driving radius, no more than 50 miles
- No 24-hour live-in or family member caregivers
- Employees trained to handle combative patients
- No psychiatric or halfway houses
Outpatient & Clinical:
- $1,000 minimum premium, <$35,000 eligible for online quotes
- No mobile/off-premises treatment or outreach programs
- No blood banks, emergency/urgent care, industrial clinics, outpatient substance abuse clinics or family planning clinics
Residential Care
- Facilities providing long-term care or supportive living environments.
- 8804-1: Substance Use Disorder Recovery Homes
- 8804-2: Social Rehab. Facilities For Adults
- 8823: Residential Care Facilities For Children
- 8851: Congregate Living Facilities For The Elderly
- 9070-1: Residential Care Facilities For The Elderly
- 9070-3: Residential Care Facilities For Adults
- 9085: Residential Care Facilities
Nursing & Home Care
- Medical and therapeutic care delivered in homes or nursing settings.
- 8827-1: Home Care Services
- 8827-2: Nursing Care
- 8829-1: Skilled Nursing Facilities
- 8829-2: Convalescent Nursing Facilities
- 8852: Home Infusion Therapists--all Employees
- 8830: Institutional Employees
Outpatient & Clinical
- Ambulatory care and professional medical practice offices and clinics.
- 8834: Physicians Practices And Outpatient Clinics
- 8839: Dental Or Orthodontia Practices
Manufacturing is where precision meets possibility.
From metal fabrication and machine shops to food processing, plastics, textiles, and specialty goods, this sector powers California’s economy—and we’re proud to support it. Our broad appetite spans modular components and diverse operations, backed by expertise in navigating complex regulations. We also help manufacturers strengthen safety practices with resources designed to reduce risk and protect their workforce.
Featured Resource: Our Loss Control Safety Talks help policyholders educate employees and help reduce injuries. View LockOut/TagOut Safety Talk (English & Spanish) for practical guidance on the do's and don'ts of safely shutting down, isolating, and securing machinery during maintenance and repair in manufacturing settings.
Appetite Guidelines
Applies to All Manufacturing Class Codes:
- $10,000 minimum premium for most classes
- Commercial-focused contractors preferred
- Low turnover, stable payroll, good wages
- Consistent or explainable claim frequency
- Limited height and depth exposure
- No asbestos or lead paint removal
Food & Beverage
- Produces consumable goods through baking, bottling, and food processing and preservation.
- 2002: Macaroni Mfg.
- 2003: Baked Goods Mfg. – Retail
- 2004: Baked Goods Mfg. – Wholesale
- 2014-1: Grain Or Rice Milling
- 2014-2: Feed Mfg.
- 2063: Dairy Products Or Ice Mfg.
- 2095: Meat Products Mfg.
- 2102: Fruit Or Vegetable Evaporation
- 2111-1: Fruit Or Vegetable Preserving
- 2111-3: Pickle Mfg.
- 2113: Fish Or Seafood Products Mfg.
- 2116: Juice Or Juice Concentrate Mfg.
- 2117: Fruit/veg. Processing – Frozen
- 2121: Breweries
- 2123: Fruit/veg. Processing – Fresh
- 2142-1: Wineries
- 2142-2: Distilling
- 2163: Bottling
- 4683-1: Oil Mfg. – Vegetable – N.O.C.
- 6504: Food Products Mfg. – N.O.C.
Apparel & Textiles
- Manufactures clothing, textiles, and diverse home goods including knitting, leather, and upholstery.
- 2222: Spinning, Weaving Or Fiber Processing – Natural Or Synthetic Fibers
- 2362: Knitting – N.O.C.
- 2402: Carpet Or Rug Mfg.
- 2413: Textiles – Bleaching, Dyeing, Mercerizing, Finishing
- 2501-1: Clothing Mfg.
- 2501-2: Hat Mfg.
- 2501-4: Tailoring – Custom Exclusively
- 2570: Mattress Or Box Spring Mfg.
- 2571: Pillow, Quilt Or Cushion Mfg.
- 2576: Awning, Tarp Or Canvas Goods Mfg.
- 2585-2: Dyeing
- 2688: Leather Goods Mfg.
- 9522-1: Upholstering – N.O.C.
- 9522-2: Upholstering – Furniture
Metal & Plastics
- Fabricates metal and plastic products, from structural steel and machinery to molded and finished components.
- 4286: Bag Mfg. – Plastic
- 4410: Rubber Goods Mfg.
- 4478: Plastic Goods Mfg. – N.O.C.
- 4494: Plastics – Blow Molded Products Mfg. – N.O.C.
- 4495: Plastics – Extrusion Molded
- 4496: Plastics – Fabricated Products
- 4497: Plastics – Fiber
- 4498: Plastics – Injection Molded
- 4499: Plastics – Thermoformed
- 4983: Gasket Mfg.
- 4034: Concrete Products Mfg.
- 4036: Plaster board or plaster block manufacturing
- 4038-1: Plaster Or Concrete Statuary Or Ornament Mfg.
- 4049: Pottery Products Mfg.
- 4111-1: Glassware Mfg.
- 4114: Glassware Mfg. NOC
- 1925: Die Casting Mfg.
- 2731: Planing Or Molding Mill
- 2757-1: Pallet Mfg.
- 2757-2: Pallet Dealers – Secondhand
- 2797-1: Mobile, Modular Or Manufactured Home Or Building Mfg.
- 2797-3: Recreational Vehicle Mfg.
- 2806-1: Door, Sash Or Window Mfg.
- 2840-1: Picture Frame Assembly
- 2840-2: Picture Or Artwork Framing
- 2852: Window Blind Mfg. Or Assembly
- 2915: Veneer Or Veneer Products Mfg. – N.O.C.
- 3022: Pipe Or Tube Mfg.
- 3030: Iron/steel Works – Structural
- 3039: Reinforcing Steel Fabrication
- 3040: Iron Works – Non Structural
- 3060-2: Door/window Frame Mfg.
- 3066-3: Aluminum Ware Mfg.
- 3081: Foundries – Iron – N.O.C.
- 3099: Tool Mfg. – N.O.C.
- 3110-1: Forging Works – Drop/machine
- 3110-3: Blacksmithing
- 3131-1: Clothing Button, Fastener Or Zipper Mfg.
- 3131-2: Engraving, Laser Cutting Or Laser Welding
- 3146-1: Hardware Mfg. – N.O.C.
- 3152-1: Nail Tack Or Rivet Mfg.
- 3152-2: Nut, bolt Or Screw Mfg.
- 3152-3: Screw Machine Products Mfg.
- 3165-1: Air Conditioning Or Refrigeration Equipment Mfg.
- 3165-3: Solar Panel Mfg.
- 3169-1: Stove Or Oven Mfg. – Gas Or Electric
- 3175: Furnace, Or Heater Mfg.
- 3241: Wire, Wire Rope Or Wire Cable Mfg. – Including Wire Drawing
- 3257: Wire Goods Mfg.
- 3339: Foundries – Investment Casting
- 3365: Welding Or Cutting – N.O.C. – Shop Or Outside
- 3372-1: Electroplating, Electrogalvanizing Or Anodizing
- 3372-3: Buffing Or Polishing – Shop Only – N.O.C.
- 3372-4: Galvanizing – Hot Dip
- 3401-1: Tube Or Pipe Products Mfg.
- 3401-2: Gate Or Corral Mfg.
- 3620-1: Boiler Mfg. – Plate Steel – Shop Only
- 3620-2: Plate Steel Product Fabrication
- 3632: Machine Shops
- 3634: Valve Mfg. – N.O.C.
- 3805-2: Automobile or Truck Engine Mfg.
- 3808: Automobile or Motorcycle Mfg.
- 3815-1: Truck, Truck Trailer or Bus Mfg.
- 3815-2: Truck Body Mfg.
- 3821: Automobile or Truck Dismantling
- 3828: Automobile or Truck Parts Rebuilding
- 3831: Machine Shops
- 3840: Automobile, Truck or Motorcycle Parts Mfg.
- 4244: Corrugated Fiber Board Container Mfg.
- 4251: Envelope Mfg.
- 4470: Wire, Wire Rope Or Wire Cable Mfg. – Including Wire Drawing
Hospitality is all about creating memorable experiences—and we help keep them safe.
From restaurants and hotels to private clubs, this sector represents a vibrant part of California’s economy. Our appetite spans local eateries, multi-location hospitality groups, and specialty venues, backed by expertise in managing risk and supporting safety programs.
Featured Resource: Our Loss Control Safety Talks help policyholders educate employees and help reduce injuries. View Burn Prevention for Restaurants Safety Talk (English & Spanish) for practical guidance on the do's and don'ts of preventing burns and promoting safe kitchen practices.
Appetite Guidelines
Restaurants:
- $1,000 minimum premium
- Limited delivery/off-premises preferred
- Regular closing time no later than 1 a.m.
- Food trucks acceptable if one stop per day, 3 workers max per vehicle
- No concession stands as the primary operation (9081-2)
Hotels:
- $10,000 minimum premium
- Major repairs subbed out
- Limited guest transportation
- No tour guides
- No hourly rates
- No armed security unless subbed out
Clubs:
- $10,000 minimum premium for 9060 (Country, Golf, Yacht); $5,000 for 9061 (Clubs NOC)
- No armed security unless subbed out
- Major repairs subbed out
- Limited off-premises operations (9061)
- Limited liquor sales (<50%) (9061)
- Country/Golf: No tree pruning above 12 feet (from ladder or bucket lift), no pond maintenance
- Yacht: No USL&H, Maritime, or Jones Act; major vessel repair subbed out; commercial yacht policy in place for crew, instructors & students
Restaurants
- Serves prepared food and beverages through full-service, fast casual, catering, and concession operations.
- 9080: Restaurants - Full Service
- 9081-1: Restaurants - N.O.C.
- 9081-2: Concessionaires
- 9082: Caterers - Not Restaurants
- 9083: Restaurants - Fast Food Or Fast Casual
Hotels
- Provides lodging and short-term accommodations for business, leisure, and extended-stay purposes.
- 9050: Hotels, Motels Or Short-Term Residential Housing
Clubs
- Offers recreational, social, or leisure activities in country, golf, yacht, and other club settings.
- 9060: Clubs - Country, Golf, Or Yacht
- 9061: Clubs NOC - All Employees
Property Management plays a vital role in keeping communities strong and properties well cared for.
This sector is seeing broader diversification, with accounts ranging from apartment and condo management to mobile home parks, HOAs, and large commercial portfolios. Our appetite spans residential, commercial, and janitorial operations, supporting firms that prioritize safety and operational continuity.
Featured Resource: Our Loss Control Safety Talks help policyholders educate employees and help reduce injuries. View Janitorial Safety Talk (English & Spanish) for practical guidance on the do's and don'ts of safe cleaning practices and hazard prevention.
Appetite Guidelines
Residential, Commercial:
- $10,000 minimum premium
- Prefer landscaping subbed out
- Prefer limited residing employees
- Limited height exposure. No tree pruning or exterior window cleaning above 12 feet (from ladder or bucket lift). No work involving roofs.
- Major repairs subbed out
- No armed security unless subbed out
- No temples, mosques, or synagogues (9015-4)
Janitorial:
- $10,000 minimum premium
- Prefer general cleaning (vacuuming, floor cleaning, dusting, emptying wastebaskets, restroom cleaning)
- Prefer to avoid construction site cleanup, graffiti removal, parking lot cleaning
- No crime scene cleanup, debris clearing, fire/flood restoration, mold abatement, snow removal
- Limited height exposure. No exterior window cleaning above first floor. No work involving roofs.
- Prefer no more than 3 workers travelling together to jobsites.
Residential
- Manages and operates residential properties such as apartments, condos, and mixed-use buildings.
- 8740-1: Apartment Or Condo Operation - N.O.C. - Supervisors
- 8740-2: Commercial Properties - N.O.C. - Prop. Mgmt Supervisors
- 8740-3: Building Operation - N.O.C. - Prop. Mgmt Supervisors
- 8740-4: Mobile Home Park Operation - Prop. Mgmt Supervisors
- 8740-5: Warehouses - Self-storage
- 8740-7: Commercial And Residential Mixed-Use Building - Supervisors
- 9007: Apartment Or Condo Operation For Seniors
- 9010: Mobile Home Park Operation
- 9011-1: Apartment Or Condo Operation - N.O.C.
- 9011-2: Commercial And Residential Mixed-Use Building - All Other Employees
- 9066: Homeowners Associations - And Housing Cooperatives - N.O.C.
Commercial
- Oversees commercial properties and building operations, including mixed-use facilities.
- 8720-1: Insurance Inspection/valuation
- 8720-2: Elevator Inspecting
- 8740-1: Apartment Or Condo Operation - N.O.C. - Supervisors
- 8740-2: Commercial Properties - N.O.C. - Prop. Mgmt Supervisors
- 8740-3: Building Operation - N.O.C. - Prop. Mgmt Supervisors
- 8740-4: Mobile Home Park Operation - Prop. Mgmt Supervisors
- 8740-5: Warehouses - Self-storage
- 8740-7: Commercial And Residential Mixed-Use Building - Supervisors
- 9009: Commercial Properties - N.O.C. - All Other Employees
- 9015-1: Building Operation - N.O.C. - All Other Employees
Janitorial
- Provides general cleaning and maintenance services for residential and commercial properties.
- 9008: Janitorial Services
Unlock more with debit mod accounts—where others see risk, we see opportunity.
At Republic Indemnity, we view debit mods as a chance to deliver expert loss control and claim management that can help policyholders improve outcomes and lower costs. We do not limit our appetite for debit mods and have a proven track record of writing them successfully. Our collaborative, people‑first approach means every account is individually underwritten and supported with the tools and resources needed for long‑term success.
Featured Resource: Our Loss Control Services help policyholders strengthen safety programs, reduce risk, and support better outcomes for debit mod accounts. View Loss Control Services Booklet for an overview of our tools, training, and expert support available to policyholders.
Claim Management Solutions
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Online Claim Reporting:
Accelerate claim handling with 24/7 online submission, document upload, and immediate three-point contact—helping policyholders respond quickly and keep business moving.
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Texting Capabilities with Injured Workers:
Real-time messaging with translation in 19 languages gives injured workers flexible communication options with our claim representatives, improving the claim experience for policyholders’ employees.
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Return-to-Work Program:
A proven 10-step plan with modified duty options helps injured workers recover and return to work faster—supporting policyholders’ productivity.
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Medical Provider Network (MPN):
Policyholders are connected to top-tier providers like Kaiser-On-the-Job and Networks by Design for fast, quality care. We also maintain pre-authorization agreements with select providers to expedite treatment and resolution.
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Claim Kit with Essential Forms, Notices, and Guidance:
All the required documents and step-by-step instructions are included in one convenient package for a smooth, compliant claim process. The kit also provides guidance for reporting serious injuries and managing occupational injuries, ensuring policyholders meet regulatory requirements and protect their workforce.
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Prescription Access:
First-fill pharmacy benefits with no out-of-pocket costs help injured workers start recovery without delay.
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Fraud Prevention Tools:
Zero tolerance policy, red flag guidance, and confidential reporting help protect policyholders’ businesses from unnecessary costs.
Expert Loss Control Services
- Customized Safety Program Development: We help policyholders build or enhance safety programs with expert guidance, industry-specific resources, and ready-to-use materials—making compliance and risk reduction easier.
- Training & Education Resources: Deliver 24/7 access to LMS safety training modules, streamable videos, quizzes, and toolbox talks in English and Spanish—empowering policyholders to build a stronger safety culture.
- Onsite Services & Expert Guidance: Policyholders receive hands‑on support from experienced consultants who assist with hazard assessments, accident investigations, safety walkthroughs, and supervisor training.
- Ergonomic Solutions: Our loss control consultants identify and help reduce ergonomic risks with AI‑powered assessments, workstation and lifting evaluations, and tailored recommendations.
- RI Loss Control Safety App: Give policyholders mobile access to document safety observations, access safety topics, and log training sessions—right from their phones.
- Loss History Review & Trend Analysis: Access to data‑driven insights to identify patterns, uncover root causes, and prioritize areas of concern—so policyholders can take proactive steps before incidents occur.
Why Our Target Sectors Matter to You
We know your success depends on more than just a broad appetite—it’s about having the right support, expertise, and flexibility to win and retain business. Here’s how Republic Indemnity helps you do just that:
Focused Submissions
Clear target sectors cut through submission noise and guesswork. Your effort goes where our appetite is strongest and is most likely to gain traction, reducing wasted effort.
Clear Underwriting Guidelines
Know upfront which risks align within our appetite, so you can set accurate expectations with clients and avoid unnecessary declinations.
Risk Selection Optimization
Leverage our target sector data to zero in on industries with proven results—build your pipeline with accounts that are more likely to bind.
Performance Trends
Our recent wins show where brokers are consistently binding new business, helping you prioritize outreach and quoting activity for maximum impact.
You have the insight—now you can move ahead with confidence.
Submit your next risk with Republic Indemnity and get a clear way forward.
Submit Now
Broad Appetite Beyond Focus Areas: We write over 80% of California class codes so even if your risk falls outside our target sectors, don't hesitate to reach out and explore new opportunities for your agency.