Insulation Work--Organic or Plastic in Solid State

What Does GL Code 96409 Cover?

ISO GL class code 96409 covers contractors primarily engaged in the installation of insulation materials made from organic or plastic solids, such as foam, cellulose, or fiberglass batts. This code classifies operations involved in enhancing thermal or acoustic properties of structures, including both new construction and retrofitting projects. It specifically applies to businesses that handle and install these solid-state insulation products.

Who Uses This Class Code?

Businesses that fall under this code include insulation contractors specializing in spray foam insulation, cellulose insulation installers, fiberglass batt and roll insulation companies, and rigid foam board installers. This also encompasses firms providing weatherization services that involve the application of solid insulation materials in residential and commercial buildings.

Common GL Claims for This Class

Common claims for insulation contractors include property damage during installation, such as puncturing walls or ceilings, and claims related to faulty installation leading to moisture issues, mold growth, or inadequate thermal performance. Additionally, there can be claims from off-gassing or chemical exposure during spray foam applications.

Coverage Tips for Code 96409

• Ensure your policy includes coverage for pollution liability, especially when working with spray foam insulation that can release fumes during application.
• Verify that your general liability policy explicitly covers damage to property in your care, custody, or control, as insulation work often involves existing structures.
• Maintain detailed records of materials used and installation methods for each project to mitigate audit exposure and support claims defense.
• For projects involving subcontractors, always require them to carry their own general liability insurance and name your business as an additional insured.