Automobile Dismantling

What Does GL Code 91190 Cover?

ISO GL class code 91190 covers businesses engaged in the dismantling of automobiles for parts, including salvage yards, auto wreckers, and used auto parts dealers. This class encompasses operations involving the acquisition, storage, and breakdown of vehicles, as well as the sale of salvaged components. It addresses the unique general liability exposures associated with handling hazardous materials and heavy machinery.

Who Uses This Class Code?

Businesses that fall under this code include auto salvage yards, vehicle dismantling facilities, auto wrecking services, and enterprises specializing in the resale of used automotive parts. This also applies to scrap metal recyclers who primarily process end-of-life vehicles.

Common GL Claims for This Class

Common GL claims include bodily injury to customers or trespassers due to unsafe conditions in the yard, property damage caused by falling parts or improper vehicle handling, and environmental damage from accidental spills of automotive fluids.

Coverage Tips for Code 91190

• Ensure your policy includes coverage for pollution liability arising from spills of fluids like oil, gasoline, and antifreeze, which are common in dismantling operations.
• Verify that your property coverage extends to the value of salvaged parts and vehicles stored on your premises, as inventory can fluctuate significantly.
• Implement strict safety protocols for heavy equipment operation and material handling to mitigate premises liability claims from visitors or employees.
• Review your policy for exclusions related to environmental cleanup costs, as these can be substantial in Florida due to sensitive ecosystems.