Plastering or Stucco Work

What Does GL Code 98449 Cover?

ISO GL class code 98449 specifically covers businesses engaged in plastering or stucco work, including both interior and exterior applications. This class encompasses operations involving the application of plaster, stucco, and similar finishes to walls, ceilings, and other surfaces. It classifies the general liability exposures associated with the preparation, mixing, and application of these materials, as well as the potential for property damage or bodily injury arising from such work.

Who Uses This Class Code?

This code applies to plastering contractors, stucco application companies, drywall finishers who also perform plastering, and exterior insulation and finish system (EIFS) installers. It is used by businesses specializing in decorative plasterwork, historical restoration involving stucco, and new construction projects requiring wall and ceiling finishes.

Common GL Claims for This Class

Common claims include property damage due to water intrusion from improperly applied stucco or plaster, bodily injury from falling debris during application, and damage to adjacent property during the mixing or application process.

Coverage Tips for Code 98449

• Ensure your policy includes adequate completed operations coverage, as defects in plaster or stucco work can lead to claims long after the project is finished.
• Verify that all subcontractors carry their own General Liability insurance with limits equal to or greater than yours, and name your business as an additional insured.
• Maintain meticulous records of all materials used, application methods, and project specifications to defend against claims of faulty workmanship or material defects.
• Be aware of Florida's specific building codes and hurricane-resistant construction requirements for exterior finishes, as non-compliance can lead to significant liability.