Metal Erection--Frame Structures Iron Work on Outside of Buildings

What Does GL Code 97651 Cover?

ISO GL class code 97651 specifically covers contractors engaged in the erection of metal frame structures and iron work on the exterior of buildings. This includes the assembly and installation of structural steel, pre-engineered metal buildings, and ornamental ironwork, classifying operations that involve significant height and heavy material handling. It is used for businesses whose primary operations involve constructing the skeletal framework of buildings using metal components.

Who Uses This Class Code?

This code applies to structural steel erectors, metal building contractors, ironworkers specializing in building frames, and companies that install architectural metalwork on building exteriors. Businesses such as steel fabrication and erection companies, pre-engineered metal building installers, and ornamental ironwork contractors fall under this classification.

Common GL Claims for This Class

Common claims for metal erection contractors include property damage to the structure or surrounding property during the lifting and placement of heavy metal components, bodily injury to workers or third parties from falls from heights, and damage to underground utilities during foundation work for frame structures.

Coverage Tips for Code 97651

• Ensure your policy includes coverage for "Work Away From Premises" as metal erection often occurs at various job sites, not just a single location.
• Verify that all subcontractors engaged in metal erection carry their own General Liability insurance with adequate limits and name your company as an additional insured to prevent coverage gaps.
• Given the high-risk nature of working at heights and with heavy materials, implement robust safety protocols and ensure your workers' compensation policy accurately reflects the payroll for these hazardous operations to avoid audit discrepancies.
• Review your policy for exclusions related to "Action Over" claims, which can arise if an injured employee sues a third party who then seeks indemnity from your company, especially critical in Florida's litigious environment.