Boat Repair and Servicing

What Does GL Code 91235 Cover?

ISO GL class code 91235 covers businesses primarily engaged in the repair and servicing of boats, yachts, and other marine vessels. This includes a wide range of operations from engine maintenance and hull repair to electrical work and detailing, classifying the general liability exposures associated with these services.

Who Uses This Class Code?

This code applies to marine repair shops, yacht service centers, independent boat mechanics, mobile boat repair services, and businesses specializing in fiberglass repair, engine overhaul, or marine electronics installation for various types of watercraft.

Common GL Claims for This Class

Common claims for boat repair businesses include property damage to vessels during repair, such as accidental drops or damage from tools, and bodily injury claims from customers slipping on wet surfaces or tripping over equipment in the repair facility.

Coverage Tips for Code 91235

• Ensure your General Liability policy includes coverage for 'Care, Custody, or Control' to protect against damage to customer boats while in your possession.
• Verify that any subcontractors you use carry their own adequate General Liability insurance and name your business as an additional insured.
• Implement strict safety protocols and maintain a clean work environment to reduce the risk of slip-and-fall incidents for customers and employees.
• Review your policy for exclusions related to specific types of repairs or vessels, especially those involving hazardous materials or high-value yachts.