Air Conditioning Systems or Equipment--Dealers or Distributors and Installation, Servicing or Repair

What Does GL Code 91111 Cover?

ISO GL class code 91111 covers HVAC contractors who sell, install, service, or repair air conditioning systems and equipment. Florida's climate makes this one of the most active contractor classes in the state.

Who Uses This Class Code?

Air conditioning contractors, HVAC technicians, AC installation companies, ductwork installers, and mini-split system installers.

Common GL Claims for This Class

Common claims include water damage from condensate line failures, refrigerant leaks damaging property, and electrical fires from improper wiring.

Coverage Tips for Code 91111

• Ensure your policy includes completed operations coverage for installation work
• Refrigerant handling requires EPA Section 608 certification — verify your technicians are certified
• Separate residential and commercial work if possible, as commercial HVAC carries higher exposure
• Include product liability coverage if you sell equipment