Electric Light or Power Line Construction

What Does GL Code 92446 Cover?

ISO GL class code 92446 specifically covers contractors engaged in the construction, installation, and repair of electric light or power lines, including associated structures and equipment. This code classifies operations involving high-voltage transmission lines, distribution lines, and related infrastructure for utility companies and other clients. It encompasses the inherent risks associated with working at heights, with heavy equipment, and in close proximity to live electrical currents.

Who Uses This Class Code?

This code applies to specialized contractors such as electrical utility contractors, high-voltage line construction companies, power transmission line builders, and electrical distribution system installers. Businesses involved in the erection of utility poles, stringing of power cables, and installation of transformers and substations would fall under this classification.

Common GL Claims for This Class

Common GL claims for power line construction include property damage from falling poles or equipment, electrocution injuries to third parties due to accidental contact with live lines, and damage to underground utilities during excavation.

Coverage Tips for Code 92446

• Ensure your General Liability policy includes coverage for 'Damage to Underground Property' as power line construction frequently involves excavation and potential damage to buried utilities.
• Verify that your policy has adequate limits for 'Contractual Liability' to cover indemnity agreements often required by utility companies in their contracts.
• Implement a robust safety program and maintain detailed records, as carriers closely scrutinize safety protocols for high-hazard operations like power line construction, impacting audit outcomes and insurability.
• In Florida, confirm that all workers are properly licensed and certified for electrical work, as regulatory compliance is critical and can affect claims handling and policy validity.