Gas Dealers--LPG

What Does GL Code 13410 Cover?

ISO GL class code 13410 covers businesses primarily engaged in the sale and distribution of Liquefied Petroleum Gas (LPG), also known as propane. This includes operations involved in the storage, handling, and delivery of LPG to residential, commercial, and industrial customers, as well as the sale of related equipment. The code classifies the general liability exposures associated with these high-hazard activities.

Who Uses This Class Code?

Specific business types that fall under this code include propane gas distributors, LPG delivery services, bulk propane suppliers, and retailers selling propane tanks and cylinders. Businesses that install or service LPG equipment in conjunction with their sales operations are also typically classified here.

Common GL Claims for This Class

Common GL claims for LPG dealers include property damage or bodily injury resulting from gas leaks, explosions, or fires during delivery or at customer sites. Other claims may arise from improper installation or maintenance of propane tanks and equipment, leading to accidents.

Coverage Tips for Code 13410

• Ensure robust product liability coverage, as claims can arise from faulty gas or equipment leading to explosions or fires.
• Verify your property insurance adequately covers the high-value inventory of LPG and associated storage tanks, which are prone to specific risks.
• Implement strict safety protocols and provide comprehensive training to all employees involved in handling and transporting LPG to mitigate accident risks.
• Review your policy for exclusions related to environmental pollution or contamination, and consider adding specific coverage if your operations pose such risks.