Swimming Pools--Installation, Servicing or Repair--Below Ground

What Does GL Code 99507 Cover?

ISO GL class code 99507 specifically covers businesses engaged in the installation, servicing, or repair of below-ground swimming pools. This classification includes all operations related to the construction of new pools, as well as maintenance, renovation, and repair work on existing below-ground structures, encompassing excavation, plumbing, electrical, and finishing tasks.

Who Uses This Class Code?

This code applies to swimming pool contractors specializing in below-ground installations, pool service companies, and businesses that perform repairs or renovations on in-ground pools. Examples include custom pool builders, residential and commercial pool maintenance firms, and companies offering leak detection or resurfacing for subterranean pools.

Common GL Claims for This Class

Common general liability claims for below-ground pool installers include property damage due to excavation errors (e.g., hitting utility lines or damaging adjacent structures), bodily injury to third parties from job site hazards, and damage to the pool structure itself or surrounding property during construction or repair.

Coverage Tips for Code 99507

• Ensure your general liability policy includes coverage for excavation and earth movement, as these are inherent risks in below-ground pool installation.
• Verify that your subcontractors carry their own general liability insurance with adequate limits and name your business as an additional insured to prevent coverage gaps.
• Implement robust safety protocols for job sites, especially regarding excavation and heavy equipment, to mitigate potential bodily injury and property damage claims.
• In Florida, confirm all necessary permits are obtained and inspections passed for each project, as non-compliance can lead to significant liability issues and fines.