Surveyors--Land--Not Engaged in Actual Construction

What Does GL Code 99471 Cover?

ISO GL class code 99471 covers land surveyors not engaged in actual construction, classifying businesses that provide professional surveying services such as boundary surveys, topographic mapping, and ALTA surveys. This code specifically applies to firms whose primary operations involve data collection, analysis, and drafting of land-related measurements and legal descriptions, without direct involvement in physical construction activities. It addresses the professional liability exposures inherent in precise measurement and documentation.

Who Uses This Class Code?

This code applies to professional land surveying firms, independent land surveyors, cadastral surveyors, geodetic surveyors, and mapping companies. Businesses that conduct property boundary surveys, prepare subdivision plats, perform elevation certificates, or provide geospatial data services fall under this classification.

Common GL Claims for This Class

Common GL claims for land surveyors include property damage caused by survey crews during fieldwork, such as damaging underground utilities or client landscaping. Professional liability claims, often mistaken for GL, typically involve financial losses or property disputes arising from errors in boundary lines, elevations, or legal descriptions.

Coverage Tips for Code 99471

• Ensure your General Liability policy includes coverage for errors and omissions (E&O) arising from professional services, as standard GL often excludes this.
• Verify that your policy's 'completed operations' coverage extends to professional services, as claims can arise long after a survey is delivered.
• Maintain meticulous records of all survey work, client communications, and professional certifications to aid in defense against potential claims.
• For work involving subcontractors, always require them to carry their own professional liability and general liability insurance, naming your firm as an additional insured.