Floor Covering Installation--Not Ceramic Tile or Stone

What Does GL Code 94569 Cover?

ISO GL class code 94569 covers businesses primarily engaged in the installation of floor coverings, excluding ceramic tile or stone. This includes the preparation of surfaces, laying of various materials like carpet, vinyl, laminate, and wood, and finishing work. This code is crucial for classifying the general liability exposures associated with on-site installation activities.

Who Uses This Class Code?

Businesses that fall under this code include carpet installers, vinyl flooring contractors, laminate flooring specialists, hardwood floor installers, and resilient flooring companies. These are typically independent contractors or small to medium-sized enterprises focusing solely on floor covering installation.

Common GL Claims for This Class

Common GL claims for floor covering installers include property damage from adhesives or tools, such as damaging subflooring or existing structures. Other frequent claims involve slip-and-fall incidents by third parties on newly installed or improperly secured flooring, or damage to client property during the installation process.

Coverage Tips for Code 94569

• Ensure your policy includes coverage for property damage to property in your care, custody, or control, as you will be working on client premises.
• Verify that your subcontractors carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.
• Maintain accurate records of all completed jobs and materials used, as this can be critical during a general liability audit based on gross receipts.
• Review your policy for exclusions related to faulty workmanship or defective products, and consider professional liability if design or material selection advice is provided.