Cleaning--Outside Surfaces of Buildings & Other Exterior Surfaces

What Does GL Code 91523 Cover?

ISO GL class code 91523 encompasses businesses primarily engaged in cleaning the outside surfaces of buildings and other exterior structures. This includes operations such as pressure washing, window cleaning for commercial properties, and facade cleaning, classifying the specific risks associated with working at heights and with water-based equipment. The code covers the general liability exposures inherent in these specialized cleaning services.

Who Uses This Class Code?

This code applies to pressure washing contractors, commercial window cleaning services, building facade cleaning companies, exterior wall cleaning specialists, and other businesses offering similar outdoor surface maintenance. It is used by operators who clean various exterior surfaces, including walls, roofs, sidewalks, and driveways for commercial and residential clients.

Common GL Claims for This Class

Common claims for this business type include property damage from high-pressure water causing damage to building exteriors, landscaping, or windows. Other frequent claims involve slip-and-fall incidents by third parties due to wet surfaces created during cleaning operations.

Coverage Tips for Code 91523

• Ensure your policy includes coverage for 'Damage to Property of Others in Your Care, Custody, or Control' as you will be working directly on client property.
• Verify that your general liability policy does not have exclusions for 'Work at Heights' or 'Water Damage' that could limit coverage for common operations.
• Be aware of potential audit exposure; ensure accurate reporting of gross receipts as the basis for premium calculation to avoid unexpected charges.
• If using subcontractors, require them to carry their own General Liability insurance and name your business as an additional insured to protect against their negligence.