Irrigation or Drainage System Construction

What Does GL Code 96702 Cover?

ISO GL class code 96702 covers contractors primarily engaged in the construction, installation, and repair of irrigation and drainage systems for agricultural, residential, commercial, and public works projects. This includes operations such as trenching, pipe laying, pump installation, and system testing for water management. It classifies businesses that focus on managing water flow and distribution, often involving significant excavation and specialized equipment.

Who Uses This Class Code?

Businesses that fall under this code include irrigation system installers for farms and golf courses, landscape contractors specializing in drainage solutions, municipal drainage project contractors, and companies that install residential sprinkler systems. Also included are firms that construct storm water management systems and agricultural irrigation specialists.

Common GL Claims for This Class

Common claims include property damage due to accidental severing of underground utility lines during excavation, water damage to adjacent properties from faulty drainage system installations, and bodily injury to third parties from open trenches or construction debris.

Coverage Tips for Code 96702

• Ensure your policy includes coverage for excavation and trenching operations, as these are high-risk activities common in irrigation and drainage work.
• Verify that your general liability policy provides coverage for damage to underground utilities, which is a frequent claim in this class of business.
• Require all subcontractors to carry their own general liability insurance with adequate limits and name your business as an additional insured to prevent coverage gaps.
• In Florida, ensure compliance with all local and state permitting requirements for water use and construction, as non-compliance can lead to significant liability issues.