House Furnishings Installation

What Does GL Code 96053 Cover?

ISO GL class code 96053 covers contractors primarily engaged in the installation of house furnishings. This includes operations such as installing rugs, carpets, linoleum, draperies, curtains, window shades, mirrors, and pictures. This code classifies businesses that perform these installation services, often involving work within residential or commercial properties.

Who Uses This Class Code?

Businesses that fall under this code include carpet and flooring installers, drapery and window treatment companies, mirror and picture hanging services, and closet organizer installers. These are typically artisan contractors specializing in the final touches of interior spaces.

Common GL Claims for This Class

Common claims for house furnishings installers include accidental damage to a client's property during installation, such as scratching floors or damaging walls. Another frequent claim involves bodily injury to third parties due to falling objects or tripping hazards created during the installation process.

Coverage Tips for Code 96053

• Ensure your General Liability policy includes coverage for "Damage to Property of Others in Your Care, Custody, or Control" as you will frequently be working with client property.
• Verify that your policy covers "Completed Operations" to protect against claims arising from faulty installation after the work is finished, such as a mirror falling off the wall.
• For Florida contractors, always provide proof of insurance to homeowners or property managers, as many require it before work commences to avoid project delays.
• If you utilize subcontractors, ensure they carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.