Painting--Exterior--Buildings or Structures--Three Stories or Less in Height
Exterior painting contractors working on buildings three stories or less.
System
ISO
Code
98304
Basis
gross receipts
State
Florida
Florida Note: FWC includes exterior painting in their admitted contractor program. Florida's climate creates strong demand for exterior painting due to sun and humidity damage.
What Does GL Code 98304 Cover?
ISO GL class code 98304 covers exterior painting contractors working on buildings three stories or less in height.
Who Uses This Class Code?
Exterior painting contractors, house painters, commercial exterior painters, and pressure washing/painting companies.
Common GL Claims for This Class
Common claims include overspray damage to vehicles and neighboring property, slip-and-fall from ladders, and property damage from paint spills.
Coverage Tips for Code 98304
- Lead paint exposure on older buildings creates additional liability — verify your policy covers this
- Overspray damage to neighboring property is a common claim — use proper masking
- Scaffold and ladder work creates significant bodily injury exposure
- Completed operations coverage is important for paint peeling and adhesion failures
Basis of Premium: Gross receipts
GL policies rated on gross receipts use your total annual revenue as the exposure base. Your carrier will apply a rate per $1,000 of gross receipts to calculate your premium. At policy expiration, your carrier will audit your actual receipts and adjust the final premium.
Get a GL Quote
We work with multiple admitted carriers to find the best GL rate for code 98304.
Get a QuoteCall (239) 323-0785Code Details
- Code
- 98304
- System
- ISO
- Category
- Contractors & Trades
- Basis
- gross receipts
- FWC Eligible
- Yes
Ready to Get Covered Under Code 98304?
Bright Coast Insurance works with multiple admitted carriers in Florida to find the best GL rate for your business class. Get a quote in minutes.