Agent Services | Underwriting Guidelines | Classification criteria

The following exposures are not acceptable for coverage:

Mining
Asbestos Goods Mfg or Asbestos Removal
Explosives or Ammunition Mfg
Shaft Sinking-Caisson Work
Oil or Gas Drilling or Redrilling
Atomic Energy/Nuclear
Public Entities
PEO's (Professional Employer Organizations)
Roofing

Accounts with the following conditions may require additional time and consideration:

An owned or leased aircraft
More than $750,000 manual premium
An experience modification factor of 2.00 or higher
More than 1,000 employees
Classification code 7720 - Police/Security Officers & Drivers

KESA's philosophy is to look at every risk on its own merits and not to class underwrite.