Shoe Repair Shops

What Does GL Code 18109 Cover?

ISO GL class code 18109 covers businesses primarily engaged in the repair of shoes, boots, and other footwear. This includes operations such as resoling, heeling, stretching, and general restoration of various types of shoes. The code also encompasses related services like leather conditioning and minor alterations to footwear.

Who Uses This Class Code?

This code applies to establishments such as traditional shoe repair shops, cobblers, boot repair services, and specialized leather goods repair businesses that focus on footwear. It also includes kiosks or small businesses offering quick shoe shine and minor repair services.

Common GL Claims for This Class

Common GL claims for shoe repair shops include damage to customer property, such as accidentally ruining a pair of shoes during repair or misplacing them. Slips and falls by customers on the premises due to wet floors or uneven surfaces are also frequent occurrences.

Coverage Tips for Code 18109

• Ensure your policy includes coverage for customer property in your care, custody, or control, as shoes left for repair are a significant exposure.
• Verify that your general liability policy covers product liability for any materials or components used in repairs, such as new soles or heels.
• Maintain accurate records of gross receipts, as this is often the basis for premium calculation, to avoid audit discrepancies.
• Consider inland marine coverage for specialized repair equipment and tools, as they may not be fully covered under a standard GL policy.