Analytical Chemists

What Does GL Code 91135 Cover?

ISO GL class code 91135 covers businesses primarily engaged in providing analytical chemistry services, which involve the qualitative and quantitative analysis of chemical compounds and materials. These operations classify firms that conduct testing, research, and analysis for various industries, often involving specialized laboratory equipment and procedures. The code encompasses the core activities of chemical analysis and reporting.

Who Uses This Class Code?

This code applies to independent analytical laboratories, environmental testing firms, forensic laboratories, quality control facilities, and research and development companies that specialize in chemical analysis. Specific examples include labs testing water quality, food safety, pharmaceutical compounds, or material composition.

Common GL Claims for This Class

Common General Liability claims for analytical chemists include property damage caused by accidental chemical spills or leaks within the lab or at client sites. Bodily injury claims can arise from third-party exposure to hazardous materials or fumes during sample handling or analysis.

Coverage Tips for Code 91135

• Ensure your General Liability policy is complemented by Professional Liability (Errors & Omissions) coverage, as claims often arise from faulty analysis or incorrect data reporting.
• Consider a separate Pollution Liability policy to cover potential chemical spills, leaks, or environmental contamination that may occur during laboratory operations.
• Verify that your property insurance adequately covers specialized laboratory equipment, reagents, and samples, as these can be costly to replace or repair.
• Implement robust safety protocols and provide comprehensive training to mitigate risks associated with hazardous materials, which can reduce the likelihood of workers' compensation and general liability claims.