Florida Surplus Lines Coverage Codes

Note: All 2000 level coverage codes (EXCEPT 2013, 2014, and 2015) require supplemental homeowners data.
1003 and 1006 Coverage Codes also require supplemental homeowners data.

‡ In the event Citizens Property Insurance Corporation establishes the need for a deficit assessment, the coverage codes marked with a ‡ will be subject to such assessment(s).

Descriptions of the below coverage codes are available here.

CODE   DESCRIPTION

100    COMMERCIAL PROPERTY

  1.   Commercial Property ‡
  2.   Builders Risk ‡
  3.   Business Income ‡
  4.   Apartments (Commercial) ‡
  5.   Boiler and Machinery
  6.   Commercial Package (Property & Casualty) ‡
  7.   Condominium (Commercial) ‡
  8.   Crop Hail
  9.   Difference In Conditions
  10.   Earthquake ‡
  11.   Flood ‡
  12.   Glass (Commercial)
  13.   Mortgagee Impairment ‡
  14.   Windstorm &/Or Hail ‡
  15.   Mold Coverage - Commercial ‡
  16.   Sinkhole Coverage - Commercial
  17.   Excess Flood - Commercial ‡
º  º  º

200     HOMEOWNERS AND OTHER RESIDENTIAL PROPERTY

  1.   Homeowners- HO-1 ‡
  2.   Homeowners - HO-2 ‡
  3.   Homeowners - HO-3 ‡
  4.   Tenant Homeowners -HO-4 ‡
  5.   Homeowners -HO-5 ‡
  6.   Condo Unit-Owners HO-6 ‡
  7.   Homeowners - HO-8 ‡
  8.   Dwelling Builders Risk ‡
  9.   Dwelling Flood ‡
  10.   Dwelling Property ‡
  11.   Farmowners Multi-Peril ‡
  12.   Mobile Homeowners ‡
  13.   Windstorm ‡
  14.   Mold Coverage - Residential (NO SHD) ‡
  15.   Sinkhole Coverage - Residential (NO SHD)
  16.   Excess Flood - Residential (NO SHD) ‡

300     OCEAN MARINE

  1.   Marina Operators Legal Liability
    1. Taxable – tax status 0
    2. Non-taxable – tax status 3
  2.   Marine Liabilities Package
    1. Taxable – tax status 0
    2. Non-taxable – tax status 3
  3.   Ocean Marine- Hull &/Or Protection & Indemnity
       (Always non-taxable – tax status 3)
  4.   Ocean Cargo Policy (Always non-taxable – tax status 3)
  5.   Ship Repairers Legal Liability -- (Always non-taxable – tax status 3)
  6.   Stevedores Legal Liability -- (Always non-taxable – tax status 3)
  7.   Personal & Pleasure Boats & Yachts -- (Always taxable – tax status 0)
  8.   Ocean Marine Builder’s Risk -- (Always non-taxable – tax status 3)
  9.   Longshoremen and Harbor Workers Compensation Act --
          (Always non-taxable – tax status 3)
º  º  º

400     INLAND MARINE

  1.   Inland Marine (Commercial)
  2.   Inland Marine (Personal)
  3.   Motor Truck Cargo
    1. Non-Taxable – Tax Status 3
  4.   Jewelers Block
  5.   Furriers Block
  6.   Contractors Equipment
  7.   Electronic Data Processing
º  º  º

500    LIABILITY

  1.   Commercial General Liability
  2.   Commercial Umbrella Liability
  3.   Directors & Officers Liability (Profit)
  4.   Directors & Officers Liability (Non-Profit)
  5.   Educator Legal Liability
  6.   Employment Practices Liability
  7.   Excess Commercial General Liability (Not Umbrella)
  8.   Excess Personal Liability (Not Umbrella)
  9.   Liquor Liability
  10.   Owners & Contractors Protective
  11.   Personal Umbrella
  12.   Personal Liability
  13.   Pollution & Environment Liability
  14.   Product & Completed Operations Liability
  15.   Public Officials Liability
  16.   Police Professional Liability
  17.   Media Liability
  18.   Railroad Protective Liability
  19.   Asbestos Removal & Abatement
  20.   Guard Service Liability
  21.   Special Events Liability
º  º  º

600    MEDICAL MALPRACTICE

  1.   Hospital Professional Liability
  2.   Miscellaneous Medical Professionals
  3.   Nursing Home Professional Liability
  4.   Physician/Surgeon, Dentist Professional Liability
º  º  º

700    ERRORS & OMISSIONS

  1.   Architects & Engineers Liability
  2.   Insurance Agents & Brokers E&O
  3.   Lawyers Professional Liability
  4.   Miscellaneous E&O Liability
  5.   Real Estate Agents E&O
  6.   Software Design Computer E & S
º  º  º

800    AUTOMOBILE COVERAGES

  1.   Commercial Auto Liability
  2.   Commercial Auto Excess Liability
  3.   Commercial Auto Physical Damage
  4.   Dealers Open Lot
  5.   Garage Liability
  6.   Garage Keepers Legal
  7.   Private Passenger Auto- Physical Damage Only
  8.   Personal Excess Auto Liability
º  º  º

900    AIRCRAFT

  1.   Commercial Aircraft Hull &/Or Liability
        (Always non-taxable – tax status 1)
  2.   Airport Liability -- (Always non-taxable – tax Status 1)
  3.   Aviation Cargo -- (Always non-taxable – tax status 1)
  4.   Aviation Product Liability -- (non-taxable – tax status 1)
  5.   Hanger Keepers Legal Liability -- (non-taxable – tax status 1)
  6.   Personal & Pleasure Aircraft -- (Always taxable – tax status 0)
º  º  º

110    CRIME

  1.    Bankers Blanket Bond
  2.    Blanket Crime Policy
  3.    Employee Dishonesty
  4.    Identity Theft
  5.    Deposit Forgery
º  º  º

120    MISCELLANEOUS

  1.    Accident & Health
  2.    Credit Insurance
  3.    Animal Mortality
  4.    Mortgage Guaranty
  5.    Worker’s Compensation –Excess Only
  6.    Product Recall
  7.    Kidnap/Ransom
  8.    Surety
  9.    Weather Insurance
  10.    Prize Indemnification
  11.    Travel Accident
  12.    Terrorism