Carpentry--Shop Only

What Does GL Code 91343 Cover?

ISO GL class code 91343 specifically covers carpentry operations conducted solely within a shop environment, excluding any on-site installation or construction work. This code classifies businesses engaged in manufacturing, fabrication, or repair of wood products where all work is performed at a fixed location. It primarily addresses the general liability exposures associated with shop-based activities.

Who Uses This Class Code?

This code applies to businesses such as custom cabinet makers, furniture manufacturers, millwork shops, woodturning businesses, and specialized wood product fabricators. These are operations where the primary work involves woodworking machinery and hand tools within a dedicated workshop, without off-site project involvement.

Common GL Claims for This Class

Common claims for carpentry shops include bodily injury to customers or visitors on premises (e.g., slips and falls), property damage caused by faulty products (e.g., a collapsing cabinet), and fire damage originating from woodworking activities or machinery malfunctions.

Coverage Tips for Code 91343

• Ensure your policy includes coverage for products-completed operations, as defects in manufactured wood products can lead to claims after they leave your shop.
• Maintain accurate records of gross receipts, as this is the basis for premium calculation, to avoid audit discrepancies and potential premium adjustments.
• Verify that your general liability policy includes coverage for property damage to rented premises, especially if your shop operates in a leased space.
• Implement robust safety protocols for woodworking machinery and ensure employees are properly trained to mitigate common shop-related injuries and associated claims.