Prefabricated Building Erection

What Does GL Code 98502 Cover?

ISO GL class code 98502 covers contractors primarily engaged in the erection of prefabricated buildings, including modular homes, manufactured housing, and pre-engineered metal structures. This class encompasses the on-site assembly, installation, and finishing of these factory-built components, often involving specialized lifting equipment and precise structural integration. It classifies operations focused solely on the construction of pre-manufactured units, distinguishing them from traditional stick-built construction.

Who Uses This Class Code?

This code applies to contractors specializing in the assembly and installation of modular homes, manufactured housing dealers providing on-site erection services, and companies erecting pre-engineered steel or timber frame buildings. It also includes businesses that install portable classrooms, temporary offices, or other factory-built structures on permanent foundations.

Common GL Claims for This Class

Common claims include property damage during the erection process, such as structural damage from improper lifting or accidental drops of prefabricated sections. Other frequent claims involve bodily injury to workers or third parties due to equipment malfunctions, falls from heights, or issues related to site preparation and safety.

Coverage Tips for Code 98502

• Ensure your policy includes an Installation Floater or Builders Risk coverage to protect materials and structures during the erection phase, especially against wind, theft, and vandalism.
• Verify that your General Liability policy specifically covers crane operations and heavy equipment use, as these are high-risk activities inherent to prefabricated building erection.
• For projects involving subcontractors, always require them to provide certificates of insurance naming your company as an additional insured to prevent coverage gaps.
• Be aware of Florida's stringent building codes and wind mitigation requirements, as non-compliance can lead to significant liability and potential claims denials.