Fence Erection Contractors

What Does GL Code 94276 Cover?

ISO GL class code 94276 covers contractors primarily engaged in the erection, repair, or replacement of fences of all types, including wood, chain-link, vinyl, and ornamental iron. This code encompasses operations ranging from residential backyard fences to large-scale commercial and industrial perimeter security fencing. It classifies businesses whose core activity involves the physical construction and installation of fencing structures.

Who Uses This Class Code?

Businesses that fall under this code include residential fence installers, commercial fencing companies, agricultural fence contractors, security fence specialists, and ornamental iron fence fabricators and erectors. This also applies to contractors who specialize in temporary fencing for construction sites or events.

Common GL Claims for This Class

Common GL claims for fence erection contractors include property damage to underground utilities during post-hole digging, damage to existing landscaping or structures during installation, and bodily injury to third parties from improperly secured fences or falling materials during construction.

Coverage Tips for Code 94276

• Ensure your policy includes coverage for property damage to customer's property in your care, custody, or control, as fences are often installed on existing landscapes.
• Verify that your subcontractors carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.
• Be aware of potential audit exposure related to payroll and subcontractor costs; maintain meticulous records to avoid unexpected premium adjustments.
• In Florida, confirm any local permitting requirements for fence height, materials, and setbacks, as non-compliance can lead to liability issues.