Plumbing--Commercial and Industrial

What Does GL Code 98482 Cover?

ISO GL class code 98482 covers commercial and industrial plumbing contractors who install, service, or repair plumbing systems in non-residential buildings. This includes work on water supply lines, drainage systems, gas piping, and fixtures for businesses, factories, and other commercial entities. The code specifically classifies operations related to plumbing work in commercial and industrial settings.

Who Uses This Class Code?

Businesses that fall under this code include commercial plumbing contractors, industrial pipefitters, plumbing repair services for businesses, and companies specializing in large-scale plumbing installations for new commercial construction. This also covers maintenance and service providers for commercial water heaters, boilers, and sewer lines.

Common GL Claims for This Class

Common claims for commercial plumbing include significant water damage to commercial properties due to burst pipes or faulty installations, property damage from excavation activities hitting utility lines, and liability arising from gas leaks caused by improper pipe fitting.

Coverage Tips for Code 98482

• Ensure your policy includes coverage for damage to underground utilities, as commercial plumbing often involves excavation.
• Verify that your general liability policy has adequate limits for completed operations, as many claims arise after the plumbing work is finished and put into use.
• For work involving gas lines, confirm your policy includes specific coverage for gas-related incidents and ensure all technicians are properly certified.
• In Florida, ensure all plumbing work complies with the Florida Building Code and local municipal ordinances, as non-compliance can lead to coverage disputes.