Insulation Work--Plastic

What Does GL Code 96408 Cover?

ISO GL class code 96408 covers contractors specializing in the installation, repair, and removal of plastic insulation materials. This includes operations involving spray foam insulation, rigid foam boards, and other plastic-based insulating products in residential, commercial, and industrial settings. The code classifies businesses whose primary work involves enhancing thermal efficiency and soundproofing using these specific materials.

Who Uses This Class Code?

Businesses that fall under this code include spray foam insulation contractors, rigid foam insulation installers, and companies specializing in plastic-based thermal and acoustic insulation solutions. This also encompasses firms that retrofit existing structures with modern plastic insulation systems.

Common GL Claims for This Class

Common claims include property damage from overspray of foam insulation onto adjacent surfaces, claims related to inadequate ventilation leading to mold growth, and bodily injury from chemical exposure during the application process. Other scenarios involve fire damage if insulation materials are improperly installed near heat sources.

Coverage Tips for Code 96408

• Ensure your policy includes coverage for "pollution liability" if working with spray foam, as overspray or chemical exposure can lead to significant claims.
• Verify that your general liability policy explicitly covers "completed operations" to protect against claims arising after the insulation project is finished, such as material failure or improper installation.
• For projects involving subcontractors, always require them to carry their own general liability insurance and name your business as an additional insured to prevent coverage gaps.
• Be aware of Florida's stringent building codes and environmental regulations regarding insulation materials; non-compliance can lead to fines and increased liability exposure.