Wharf and Waterfront Property--Ferry Docks or Terminals

What Does GL Code 49800 Cover?

ISO GL class code 49800 covers the general liability exposures for businesses operating ferry docks or terminals, including the maintenance and operation of the waterfront property used for embarking and disembarking passengers and vehicles. This code specifically classifies the land-based operations associated with ferry services, focusing on the infrastructure and activities at the dockside. It addresses the risks inherent in managing public access points, loading areas, and waiting facilities for ferry transportation.

Who Uses This Class Code?

Businesses that own or operate ferry docks, ferry terminals, passenger loading facilities for ferries, and vehicle staging areas for ferry services. This includes municipal ferry authorities, private ferry operators managing their own terminals, and companies providing docking services for various ferry lines.

Common GL Claims for This Class

Common claims include slip-and-fall injuries to passengers on docks or gangways, property damage to vehicles during loading or unloading, and third-party bodily injury due to faulty dock infrastructure or inadequate crowd control.

Coverage Tips for Code 49800

• Ensure your policy includes coverage for marine general liability, as standard GL policies may exclude watercraft-related incidents or property damage occurring on the water.
• Verify that your policy adequately covers premises liability for high-traffic areas, including slips, ramps, and waiting areas, where passenger injuries are common.
• Implement robust safety protocols and ensure regular maintenance of docks, gangways, and loading equipment to mitigate risks and potential claims.
• Review your contracts with ferry operators to understand indemnification clauses and ensure you are properly named as an additional insured on their policies, especially for Florida-based operations.