Contractors

What Does GL Code 94444 Cover?

ISO GL class code 94444 covers general contractors who manage and oversee construction projects, including residential, commercial, and industrial builds. This code is applied to contractors who primarily supervise and coordinate subcontractors, rather than performing significant hands-on labor themselves. It classifies operations related to project management, site supervision, and overall construction responsibility.

Who Uses This Class Code?

General building contractors, construction managers, residential home builders, commercial construction firms, and project oversight companies. These businesses typically subcontract specialized trades like plumbing, electrical, and roofing.

Common GL Claims for This Class

Common claims include property damage due to faulty workmanship by subcontractors (e.g., water damage from a poorly installed roof), bodily injury to third parties on the construction site, and claims arising from completed operations such as structural defects after the project is finished.

Coverage Tips for Code 94444

• Ensure your policy includes broad form completed operations coverage, as many claims for general contractors arise after project completion.
• Verify that all subcontractors carry their own adequate General Liability insurance and name your company as an additional insured to prevent coverage gaps.
• Maintain meticulous records of all contracts, change orders, and subcontractor insurance certificates to facilitate audits and defend against claims.
• Consider an Owners and Contractors Protective (OCP) policy for specific projects where the owner requires dedicated coverage for your operations.