Appliances and Accessories--Installation, Servicing or Repair--Commercial

What Does GL Code 91150 Cover?

ISO GL class code 91150 is specifically designed for businesses engaged in the installation, servicing, or repair of commercial appliances and accessories. This code encompasses operations performed on a wide range of commercial-grade equipment, from kitchen appliances in restaurants to laundry machines in hotels, classifying the general liability exposures associated with these specialized contractor services. It covers the risks inherent in working on client premises, including property damage and bodily injury arising from the work performed.

Who Uses This Class Code?

This code applies to businesses such as commercial kitchen equipment repair services, industrial laundry machine technicians, HVAC and refrigeration repair companies focusing on commercial units, and specialized appliance installation contractors for businesses. It also includes firms that service and maintain commercial-grade coffee makers, ovens, dishwashers, and other essential business equipment.

Common GL Claims for This Class

Common claims for commercial appliance repair businesses include property damage to the client's premises during installation or repair, such as water leaks from improperly installed dishwashers or electrical fires caused by faulty wiring. Additionally, bodily injury claims can arise from customers or employees tripping over tools or equipment left on site.

Coverage Tips for Code 91150

• Ensure your General Liability policy includes "Completed Operations" coverage, as many claims for appliance repair can arise after the service is finished, such as a faulty repair causing a fire or water damage.
• Verify that your policy adequately covers property in your care, custody, or control, especially when working on expensive commercial equipment at a client's location.
• Be aware of potential audit exposures; your premium basis is typically gross receipts, so accurate record-keeping is crucial to avoid unexpected adjustments.
• Consider an Inland Marine policy to protect your tools and equipment, which are vital to your operation and often transported between job sites.