Painting--Exterior--Buildings or Structures--Exceeding Three Stories in Height

What Does GL Code 98303 Cover?

ISO GL class code 98303 covers painting contractors specializing in the exterior of buildings or structures exceeding three stories in height. This class specifically addresses the unique risks associated with high-rise painting operations, including working at significant elevations and managing large-scale projects. It classifies businesses whose primary operations involve exterior painting of tall commercial or residential buildings.

Who Uses This Class Code?

Businesses that fall under this code include commercial painting contractors specializing in high-rise buildings, industrial painting companies working on tall structures, and maintenance firms providing exterior painting services for multi-story complexes. This also applies to painting divisions of large construction or property management companies that undertake such projects.

Common GL Claims for This Class

Common claims include property damage from paint overspray on adjacent vehicles or buildings, bodily injury to third parties or employees due to falls from scaffolding or ladders, and damage to the building structure itself from improper surface preparation or application.

Coverage Tips for Code 98303

• Ensure your general liability policy includes coverage for 'Work at Heights' and 'Completed Operations' to address risks associated with elevated work and potential defects after project completion.
• Verify that your subcontractors carry adequate general liability insurance, name your company as an additional insured, and provide certificates of insurance to avoid coverage gaps.
• Implement robust safety protocols for scaffolding, aerial lifts, and fall protection, as inadequate safety measures can lead to increased premiums or claim denials.
• Florida contractors must adhere to specific licensing requirements for painting and general construction; ensure all licenses are current and properly displayed to maintain insurability.