Swimming Pools--Installation, Servicing or Repair--Above Ground
Contractors who install, service, or repair above-ground swimming pools.
System
ISO
Code
99506
Basis
gross receipts
State
Florida
Florida Note: In Florida, contractors involved in pool installation and repair may be subject to specific county or municipal licensing requirements, even if a statewide license isn't always mandated for above-ground pools. The humid climate and frequent storms in Florida can also increase the risk of property damage during installation and subsequent claims related to pool integrity.
What Does GL Code 99506 Cover?
ISO GL class code 99506 specifically covers contractors engaged in the installation, servicing, or repair of above-ground swimming pools. This class encompasses all operations related to setting up new above-ground pools, performing routine maintenance, and undertaking repairs, focusing on the unique exposures associated with these structures. It is primarily used by businesses whose core activities revolve around above-ground pool services, distinguishing them from in-ground pool contractors.
Who Uses This Class Code?
Businesses that specialize in the sale and installation of above-ground pools, companies offering maintenance and cleaning services for existing above-ground pools, and contractors performing repairs on above-ground pool liners, pumps, and filtration systems. This also includes seasonal pool opening and closing services for above-ground units.
Common GL Claims for This Class
Common claims for above-ground pool contractors include property damage during installation, such as puncturing underground utilities or damaging landscaping. Other frequent claims involve bodily injury from slips and falls around the pool area due as a result of faulty installation, or property damage due to leaks from improperly installed liners or plumbing.
Coverage Tips for Code 99506
- Ensure your policy includes coverage for property damage to the pool itself during installation or repair, as well as damage to surrounding property.
- Verify that your General Liability policy extends to cover completed operations, as many claims related to faulty installation or repair may arise after the work is finished.
- For Florida contractors, confirm compliance with any local or state licensing requirements for pool installation or repair, as this can impact coverage validity.
- If using subcontractors, always require them to carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.
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 99506.
Get a QuoteCall (239) 323-0785Code Details
- Code
- 99506
- System
- ISO
- Category
- Contractors & Trades
- Basis
- gross receipts
- FWC Eligible
- Check with agent
Ready to Get Covered Under Code 99506?
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