General exclusions, applicable to all lines of business, include but are not limited to:
- Aircraft crews
- All motor racing events or contests
- Automotive and aviation (safety-critical)
- Cannabis exposures
- Chemical manufacturing, transportation, and storage
- Emerging risks, including Al and cannabis exposures
- Employee leasing, PEOs, and temporary staff
- Environmental impairment and pollution
- Explosives, fertilizers, fireworks, guns, and munitions
- Mining
- Mountain, ice, and rock climbing
- Nuclear exposures
- Ocean marine risks and navigation of vessels
- Oil and gas production and offshore
- Pre-release and detention centers
- Private passenger automobile rentals
- Professional sports teams
- Rail operators
- Subaqueous work
- Taxis and public livery or “for hire”
- Underground mining
Additional exclusions may apply for specific trade sectors and lines of business.