GL Class Code Lookup
92478FWC Eligible

Electrical Work--within Buildings

Electrical contractors performing wiring and electrical work inside buildings.

Category:Contractors & Trades

System

ISO

Code

92478

Basis

gross receipts

State

Florida

Florida Note: Florida electrical contractors must be licensed through DBPR. Most admitted carriers write this class. FWC includes electrical work in their admitted contractor program.

What Does GL Code 92478 Cover?

ISO GL class code 92478 covers electrical contractors who perform wiring and electrical work inside buildings. This is the primary GL code for most residential and commercial electricians in Florida.

Who Uses This Class Code?

Licensed electricians, electrical contractors, wiring contractors, panel upgrade specialists, and electrical service companies.

Common GL Claims for This Class

Common claims include electrical fires from faulty wiring, damage to appliances from power surges, and water damage from improperly sealed penetrations.

Coverage Tips for Code 92478

  • Ensure your policy includes completed operations coverage — most electrical claims arise after work is done
  • Separate any exterior electrical work (code 92451) from interior work if you do both
  • Maintain proper licensing — Florida requires a state electrical contractor license from DBPR
  • Document all work with permits and inspections to defend against claims

Basis of Premium: Gross receipts

GL policies rated on gross receipts use your total annual revenue as the exposure base. Your carrier will apply a rate per $1,000 of gross receipts to calculate your premium. At policy expiration, your carrier will audit your actual receipts and adjust the final premium.

Get a GL Quote

We work with multiple admitted carriers to find the best GL rate for code 92478.

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Code Details

Code
92478
System
ISO
Category
Contractors & Trades
Basis
gross receipts
FWC Eligible
Yes

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