Roofing--Residential--Three Stories & Under
Roofing contractors working on residential buildings three stories and under.
System
ISO
Code
98678
Basis
gross receipts
State
Florida
Florida Note: Florida has one of the highest concentrations of roofing contractors in the nation due to hurricane activity. FWC writes residential roofing GL with a minimum premium around $7,000 and requires no hot tar or torch operations.
Minimum Premium: $7,000 minimum premium under FWC admitted program
What Does GL Code 98678 Cover?
ISO GL class code 98678 covers residential roofing contractors working on single-family homes, townhouses, and low-rise residential buildings of three stories or less. This is a high-exposure class due to fall risk, weather-related damage, and the frequency of water intrusion claims.
Who Uses This Class Code?
Residential roofers, shingle installers, tile roofers, metal roof installers, and roofing repair contractors working on homes and low-rise residential buildings.
Common GL Claims for This Class
Common claims include water damage from improper flashing or shingle installation, property damage from dropped materials, and injuries to homeowners from loose debris.
Coverage Tips for Code 98678
- Maintain a clean loss run history — FWC and most admitted carriers require 3 years
- Avoid hot tar and torch applications to remain eligible for admitted carrier programs
- Separate your roofing operations from any general contracting work to avoid misclassification
- Carry completed operations coverage — most roofing claims arise after the job is done
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 98678.
Get a QuoteCall (239) 323-0785Code Details
- Code
- 98678
- System
- ISO
- Category
- Contractors & Trades
- Basis
- gross receipts
- FWC Eligible
- Yes
Ready to Get Covered Under Code 98678?
Bright Coast Insurance works with multiple admitted carriers in Florida to find the best GL rate for your business class. Get a quote in minutes.