Metal Erection--Structural

What Does GL Code 97655 Cover?

ISO GL class code 97655 applies to contractors primarily engaged in the erection of structural metal components for buildings, bridges, and other large structures. This includes operations such as assembling and fastening steel beams, columns, and girders, often involving heavy lifting equipment and work at significant heights. The code classifies businesses performing the structural framework of construction projects, where the primary exposure relates to the inherent risks of working with heavy materials and elevated work.

Who Uses This Class Code?

This code is used by structural steel erectors, ironworkers specializing in building frameworks, bridge construction companies focused on metal superstructures, and contractors installing pre-engineered metal buildings. Businesses involved in the assembly of large-scale metal frameworks for industrial facilities, commercial buildings, and infrastructure projects fall under this classification.

Common GL Claims for This Class

Common claims include property damage caused by dropped steel beams or equipment malfunctions, bodily injury to third parties from falling objects or structural collapse during erection, and damage to underground utilities during foundation work.

Coverage Tips for Code 97655

• Ensure your General Liability policy includes coverage for "Damage to Work Performed by Subcontractors on Your Behalf" to address potential gaps when using subs.
• Verify that your policy's height limitations are adequate for the scope of your projects, as structural metal erection often involves working at extreme elevations.
• Implement strict safety protocols and provide comprehensive training for fall protection and heavy equipment operation to mitigate common job site risks, which can impact your premiums.
• For projects involving welding or cutting, confirm your policy does not have exclusions for "Hot Work" or ensure appropriate endorsements are in place.