Driveway, Parking Area or Sidewalk--Paving or Repaving

What Does GL Code 92215 Cover?

ISO GL class code 92215 covers contractors primarily engaged in paving or repaving driveways, parking areas, and sidewalks. This code specifically classifies operations involving the application of asphalt, concrete, or other materials for surface construction and repair, including associated grading and excavation work. It is used for businesses whose main function is to create or restore paved surfaces for residential, commercial, or public properties.

Who Uses This Class Code?

Businesses that fall under this code include asphalt paving contractors, concrete driveway installers, parking lot construction companies, and sidewalk repair specialists. These are typically firms that undertake projects ranging from small residential driveways to large commercial parking lots and public walkways.

Common GL Claims for This Class

Common GL claims for paving contractors include property damage caused by heavy equipment during excavation or paving, such as striking underground utilities or damaging adjacent structures. Additionally, claims can arise from slip-and-fall incidents on newly paved or improperly graded surfaces, or from water runoff issues due to inadequate drainage design.

Coverage Tips for Code 92215

• Ensure your policy includes coverage for "completed operations" as many claims related to faulty paving arise after the project is finished and accepted by the client.
• Verify that all subcontractors carry their own General Liability insurance with adequate limits and name your business as an additional insured to prevent coverage gaps.
• Be aware of "subsidence" or "earth movement" exclusions common in GL policies; consider specific endorsements if your work involves significant ground preparation or unstable soil conditions.
• Maintain accurate records of gross receipts, as this is the common basis for premium calculation, to avoid unexpected audit adjustments.