Sewer Mains or Connections Construction

What Does GL Code 98820 Cover?

ISO GL class code 98820 specifically covers contractors engaged in the construction, repair, or maintenance of sewer mains and connections. This includes the installation of new sewer lines, connecting properties to municipal sewer systems, and performing excavation work related to these underground infrastructure projects. Operations typically involve trenching, pipe laying, backfilling, and related site work for both public and private sewer systems.

Who Uses This Class Code?

Businesses that fall under this classification include specialized sewer construction companies, utility contractors focusing on wastewater infrastructure, and general civil engineering firms undertaking municipal sewer projects. This also encompasses contractors who perform lateral connections from buildings to main sewer lines, as well as those involved in storm drain construction where it integrates with sewer systems.

Common GL Claims for This Class

Common General Liability claims for sewer construction businesses include property damage from excavation activities, such as striking existing utility lines or causing structural damage to adjacent properties. Additionally, claims may arise from inadequate backfilling leading to subsidence, or pollution incidents from accidental sewer line ruptures.

Coverage Tips for Code 98820

• Ensure your General Liability policy includes coverage for excavation, shoring, and underground property damage, as these are inherent risks in sewer construction.
• Verify that all subcontractors carry adequate General Liability insurance, name your business as an additional insured, and provide certificates of insurance to mitigate your exposure from their operations.
• Be aware of Florida's specific requirements for underground utility contractors, including licensing from the Florida Department of Business and Professional Regulation (DBPR), as this impacts insurability and claims handling.
• Implement robust safety protocols for trenching and excavation, as worker injuries and third-party property damage from collapses are significant claim drivers that can affect your premiums and insurability.