Airports--Commercial

What Does GL Code 40010 Cover?

ISO GL class code 40010 covers commercial airports, encompassing the diverse operations involved in managing and maintaining airport facilities for passenger and cargo air travel. This includes activities such as runway maintenance, terminal operations, baggage handling, and ground support services, classifying the general liability exposures associated with these complex environments.

Who Uses This Class Code?

This code applies to entities operating large international airports, regional airports, and smaller private airfields that engage in commercial passenger or cargo services. Specific business types include airport authorities, airport management companies, and operators of fixed-base operations (FBOs) that provide services like fueling, hangaring, and aircraft maintenance at commercial airports.

Common GL Claims for This Class

Common claims for commercial airports include slip-and-fall incidents within terminals, property damage caused by ground support equipment, and third-party bodily injury arising from operational errors on runways or taxiways.

Coverage Tips for Code 40010

• Ensure your policy includes premises liability coverage for all airport property, including runways, terminals, and parking areas, to address incidents involving passengers or visitors.
• Verify that your general liability policy extends to cover contractual liabilities arising from agreements with airlines, vendors, and ground service providers.
• Implement robust risk management protocols for foreign object debris (FOD) prevention and wildlife hazard management, as these are significant sources of potential claims.
• Regularly review your gross receipts for accurate premium calculation, as this is the basis for ISO GL code 40010, to avoid audit discrepancies and potential underinsurance.