Find your business's NAICS code and the coverage to ask about
Quick answer: A NAICS code is the six-digit federal code for what your business does, such as 238160 for roofing contractors. Search by trade or by code and we'll show the coverages Florida businesses in that line usually ask about. Carriers rate on their own class codes, so treat the result as a starting point for your quote, not a rating or a promise of coverage.
Try: Roofing · Restaurant · Landscaping · Trucking · Hair salon · Law office
12 matches for "restaurant"
- 722511
Full-Service Restaurants
Restaurants and lodging are rated on sales, alcohol service and building features. Equipment breakdown and food spoilage are worth pricing.
Coverage to ask about
Also see: Small business insurance
Request a business quote - 722513
Limited-Service Restaurants
Restaurants and lodging are rated on sales, alcohol service and building features. Equipment breakdown and food spoilage are worth pricing.
Coverage to ask about
Also see: Small business insurance
Request a business quote - 236220
Commercial and Institutional Building Construction
Contractors are rated heavily on trade, subcontracted work and certificates from subs. Florida workers' comp class follows each employee's duties, not the NAICS code. Builders risk and contractor E&O are also common; ask us.
Coverage to ask about
Also see: Starting a new business
Request a business quote - 813910
Business Associations
Salons, repair shops and similar service firms usually fit a businessowners policy. Auto repair adds garagekeepers coverage for customer vehicles.
Coverage to ask about
Also see: Small business insurance
Request a business quote - 611519
Other Technical and Trade Schools
Schools, tutors and daycares are rated on enrollment and ages served. Abuse and molestation limits are a common contract requirement.
Coverage to ask about
Also see: Small business insurance
Request a business quote - 337127
Institutional Furniture Manufacturing
Manufacturers are rated on what they make and who buys it. Products liability and the equipment and inventory limits drive most of the premium.
Coverage to ask about
Request a business quote - 561720
Janitorial Services
Janitorial, security, landscaping and staffing firms are rated on payroll and on whose premises you work. Clients often require bonds or certificates.
Coverage to ask about
Also see: Small business insurance
Request a business quote - 312120
Breweries
Manufacturers are rated on what they make and who buys it. Products liability and the equipment and inventory limits drive most of the premium.
Coverage to ask about
Request a business quote - 423210
Furniture Merchant Wholesalers
Wholesalers carry inventory and often deliver. Products liability, stock limits and delivery vehicles are the main questions.
Coverage to ask about
Request a business quote - 423440
Other Commercial Equipment Merchant Wholesalers
Wholesalers carry inventory and often deliver. Products liability, stock limits and delivery vehicles are the main questions.
Coverage to ask about
Request a business quote - 492210
Local Messengers and Local Delivery
Couriers and delivery firms are rated on drivers, vehicles and radius, including independent contractors who drive for you.
Coverage to ask about
Also see: Commercial auto and fleet
Request a business quote - 811310
Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance
Salons, repair shops and similar service firms usually fit a businessowners policy. Auto repair adds garagekeepers coverage for customer vehicles.
Coverage to ask about
Also see: Small business insurance
Request a business quote
How agents use the code
- It gives the agency and the carrier the same name for your type of business.
- It does not set your price. Carriers rate on their own class codes, your payroll, sales, claims history and, in Florida, the building's roof age and wind features.
- It does not replace a description of your operations. If the two disagree, the description is what counts at claim time.
- Codes come from the Census Bureau's 2022 NAICS Manual. Older paperwork may show a 2017 code that has since been replaced.
Questions Florida business owners ask
What is a NAICS code and why does my insurance agent ask for it?
NAICS is the federal system that sorts businesses by what they do, with a six-digit code for each type. Agents use it to describe your operations consistently to carriers. The carrier still assigns its own rating class from your operations description, payroll and sales.
Is my NAICS code the same as my workers' compensation class code?
No. Florida workers' compensation classes follow what each employee does on the job, so a roofing company's office staff and crews carry different class codes under the same NAICS code.
Which NAICS code should I use if my business does more than one thing?
The Census Bureau's rule is to use the activity that makes up most of your revenue. Tell your agent about every operation, because carriers price each one and a missed side activity can cause a problem at claim time.
This tool is general information. Eligibility and pricing are decided by each carrier, and coverage cannot be bound or altered through this website. A licensed Magnuson Insurance agent confirms coverage with you before anything is bound. Classification data: U.S. Census Bureau, 2022 NAICS.
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