Sheet Metal Work--Outside
Sheet metal contractors performing exterior work on buildings.
System
ISO
Code
98884
Basis
gross receipts
State
Florida
Florida Note: Florida's climate, with its frequent storms and high humidity, can accelerate wear and tear on exterior sheet metal, increasing the potential for claims related to weather damage. Contractors in Florida must ensure proper licensing for their specific scope of work, as regulations can vary by county and municipality.
What Does GL Code 98884 Cover?
ISO GL class code 98884 covers contractors primarily engaged in sheet metal work performed outside of buildings, such as installing or repairing gutters, downspouts, flashing, and exterior metal siding. This code classifies operations involving the fabrication, erection, and repair of sheet metal components on building exteriors, excluding structural steel work or HVAC duct installation within buildings.
Who Uses This Class Code?
Businesses that would fall under this code include exterior sheet metal fabricators and installers, gutter and downspout installation companies, metal roofing contractors specializing in sheet metal components, and exterior flashing repair services.
Common GL Claims for This Class
Common claims for sheet metal contractors include property damage during installation, such as dropping materials on landscaping or vehicles, and water damage to a structure due to improper installation of flashing or gutters.
Coverage Tips for Code 98884
- ["Ensure your general liability policy includes coverage for
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 98884.
Get a Free QuoteCall (239) 323-0785Code Details
- Code
- 98884
- System
- ISO
- Category
- Contractors & Trades
- Basis
- gross receipts
- FWC Eligible
- Check with agent
Ready to Get Covered Under Code 98884?
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