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

What Does GL Code 91155 Cover?

ISO GL class code 91155 classifies businesses primarily engaged in the installation, servicing, or repair of household appliances and accessories. This includes operations performed at customer residences or in repair shops, covering a wide range of domestic equipment. It specifically focuses on the risks associated with working on residential appliances, distinguishing it from commercial or industrial equipment repair.

Who Uses This Class Code?

This code applies to appliance repair technicians, independent appliance service companies, authorized service centers for appliance brands, and small businesses specializing in the installation and maintenance of household white goods and electronics. Examples include refrigerator repair services, washing machine and dryer repair specialists, oven and stove installers, and general household appliance repair shops.

Common GL Claims for This Class

Common GL claims for household appliance repair businesses include property damage to the customer's home during service (e.g., scratching floors, damaging walls), damage to the appliance itself during repair, and claims arising from faulty repairs that lead to subsequent property damage or injury, such as a repaired dryer causing a fire.

Coverage Tips for Code 91155

• Ensure your General Liability policy includes coverage for 'Completed Operations' to protect against claims arising from your work after it's finished, such as a faulty repair causing a fire.
• Verify that your policy covers property damage to items in your care, custody, or control, as you will frequently be working directly on customers' valuable appliances.
• If you use subcontractors for specialized repairs or installations, always require them to carry their own General Liability insurance and name your business as an additional insured.
• Be aware of Florida's specific consumer protection laws regarding appliance repair, as non-compliance can lead to increased liability and potential claims.