Heating or Combined Heating and Air Conditioning Systems--Dealers or Distributors and Installation, Servicing or Repair--No LPG

What Does GL Code 95647 Cover?

ISO GL class code 95647 is specifically designed for businesses involved in the dealership, distribution, installation, servicing, or repair of heating or combined heating and air conditioning systems and equipment, explicitly excluding any work with Liquefied Petroleum Gas (LPG) equipment. This code classifies operations for contractors and distributors focusing on traditional HVAC systems, addressing general liability exposures related to their on-site work and product distribution.

Who Uses This Class Code?

This code applies to businesses such as HVAC contractors specializing in residential and commercial heating and air conditioning systems, equipment dealers and distributors of furnaces, boilers, heat pumps, and central air units, and companies providing repair and maintenance services for these systems.

Common GL Claims for This Class

Common General Liability claims for HVAC contractors include property damage during installation, such as puncturing water pipes or electrical lines, and bodily injury claims from customers tripping over tools or falling due to unsecured equipment on job sites.

Coverage Tips for Code 95647

• Ensure your General Liability policy includes Completed Operations coverage to protect against claims arising from faulty installation or repair after the work is finished.
• Verify that your policy explicitly covers property damage to work performed by you or on your behalf, as this is a common exclusion for contractors.
• For Florida operations, confirm that all technicians hold the necessary state or local licenses for HVAC work, as unlicensed activity can void coverage.
• Implement robust subcontractor agreements requiring them to carry their own GL insurance with adequate limits and name your business as an additional insured.