Excavation

What Does GL Code 94007 Cover?

ISO GL class code 94007 covers contractors primarily engaged in excavation work, including digging, trenching, grading, and land clearing for various construction projects. This code classifies operations involving earth moving, site preparation, and foundation digging, which are inherently high-risk activities. It is used to categorize the general liability exposure associated with these specialized earthwork services.

Who Uses This Class Code?

Excavation contractors, trenching companies, land clearing services, site preparation specialists, foundation diggers, and grading contractors. Businesses that perform earthmoving for residential, commercial, or public works projects fall under this classification.

Common GL Claims for This Class

Common claims include accidental damage to underground utility lines (water, sewer, gas, electrical) during digging operations, property damage to adjacent structures due to ground instability or vibrations, and bodily injury to third parties from trench collapses or falling debris.

Coverage Tips for Code 94007

• Ensure your policy includes coverage for damage to underground utilities, as this is a common exclusion in many standard GL forms.
• Verify that your policy provides adequate coverage for collapse, explosion, and underground (XCU) hazards, which are critical for excavation work.
• Always require subcontractors to provide certificates of insurance naming your company as an additional insured to prevent coverage gaps.
• Maintain strict adherence to OSHA trenching and excavation safety standards, as violations can lead to increased premiums or claim denials.