Bridge or Elevated Highway Construction--Concrete

What Does GL Code 91266 Cover?

ISO GL class code 91266 covers contractors engaged in the construction of concrete bridges and elevated highways. This includes all operations related to pouring, curing, and finishing concrete structures for these large-scale infrastructure projects, encompassing both new construction and significant rehabilitation. The code classifies the specific risks associated with heavy concrete work at height and over water or other obstacles.

Who Uses This Class Code?

Businesses primarily involved in the construction of concrete bridges, elevated roadways, overpasses, and viaducts fall under this classification. This includes specialized concrete contractors, heavy civil construction firms, and infrastructure development companies focused on major transportation projects.

Common GL Claims for This Class

Common claims include property damage to existing infrastructure or adjacent properties during construction, bodily injury to third parties from falling debris or equipment, and claims arising from structural defects or failures due to improper concrete work or materials.

Coverage Tips for Code 91266

• Ensure your policy includes coverage for 'Contractual Liability' to protect against risks assumed in construction contracts, especially for indemnification clauses.
• Verify that your General Liability policy includes 'Action Over' coverage, which is crucial for protecting against claims from injured employees of subcontractors.
• Implement robust safety protocols and document all training, as a strong safety record can significantly impact your GL premiums and insurability.
• Require all subcontractors to carry adequate General Liability insurance, name your company as an additional insured, and provide current certificates of insurance before commencing work.