Metal Erection--Decorative or Artistic

What Does GL Code 97650 Cover?

ISO GL class code 97650 classifies contractors engaged in the erection, installation, or repair of decorative or artistic metalwork, including ornamental iron, bronze, or aluminum structures. This code specifically applies to businesses that create and install custom metal elements for aesthetic purposes, distinguishing them from structural metal erectors. Operations typically involve on-site fabrication, welding, and securing decorative metal components to buildings or landscapes.

Who Uses This Class Code?

This code is utilized by businesses such as ornamental ironwork companies, custom metal art fabricators, architectural metal design and installation firms, and specialized contractors focusing on decorative metal railings, gates, sculptures, and facades. It covers artisans and contractors who primarily work with metal for aesthetic enhancement rather than structural integrity.

Common GL Claims for This Class

Common claims include property damage to the client's existing structure during installation, bodily injury from falling decorative elements due to improper securing, and damage to the decorative metalwork itself during transport or erection.

Coverage Tips for Code 97650

• Ensure your policy includes coverage for 'Damage to Work Performed' (often an exclusion) as decorative metalwork can be intricate and prone to damage during installation or finishing.
• Verify that your General Liability policy's 'Products-Completed Operations' coverage adequately addresses potential claims arising from installed decorative metalwork after the project is finished, such as a railing failing.
• For projects involving significant on-site welding or hot work, confirm your policy does not have restrictive 'Hot Work' exclusions or that you have proper endorsements to cover these high-hazard operations.
• If utilizing subcontractors for specialized finishes or installations, always require them to carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.