Floor Covering Stores

What Does GL Code 12805 Cover?

ISO GL class code 12805 covers retail establishments primarily engaged in selling and installing floor coverings such as carpet, tile, hardwood, laminate, and vinyl. This code classifies businesses that offer both sales from a showroom and the subsequent installation services, encompassing the general liability exposures associated with both retail operations and on-site work.

Who Uses This Class Code?

Businesses that fall under this code include carpet stores, tile showrooms, hardwood flooring retailers, laminate flooring dealers, and vinyl flooring shops that also provide installation services. This also covers businesses specializing in specific types of floor coverings, such as area rug stores that offer custom fitting and custom installation.

Common GL Claims for This Class

Common claims include property damage during installation, such as damaging subflooring or walls, bodily injury to customers slipping on newly installed or unsecured flooring in the showroom, and claims arising from faulty installation leading to trip hazards or material failure.

Coverage Tips for Code 12805

• Ensure your General Liability policy includes coverage for "Installation Operations" to protect against property damage or bodily injury claims arising from on-site work.
• Verify that any subcontractors you use for installation carry their own adequate General Liability insurance and name your business as an additional insured to prevent coverage gaps.
• Be mindful of "Care, Custody, or Control" exclusions in your policy, as they might limit coverage for damage to customer property while it's being worked on or stored.
• Maintain accurate records of all sales and installation contracts, especially regarding square footage and materials, as these are often key factors in premium audits.