Shoe Stores

What Does GL Code 18110 Cover?

ISO GL class code 18110 specifically covers retail establishments primarily engaged in the sale of new shoes, boots, and related footwear. This classification includes operations such as shoe sales, fitting services, and minor alterations performed on-site. It primarily addresses general liability exposures arising from customer interactions within the retail environment.

Who Uses This Class Code?

Businesses that fall under this code include independent shoe boutiques, chain shoe stores, athletic footwear retailers, and specialized boot shops. This also encompasses retailers selling children's shoes, men's dress shoes, and women's fashion footwear.

Common GL Claims for This Class

Common claims for shoe stores include customer slip-and-fall incidents due to wet floors or uneven surfaces, injuries from falling merchandise or display fixtures, and product liability claims related to defective footwear causing injury.

Coverage Tips for Code 18110

• Ensure your policy includes adequate slip-and-fall coverage, as wet floors or loose rugs are common hazards in retail environments.
• Verify that your general liability policy extends to cover product liability for any footwear sold, protecting against claims arising from defective products.
• Implement robust security measures, including surveillance and alarm systems, to mitigate theft and vandalism risks, which can impact insurance premiums.
• Regularly inspect and maintain store premises, including shelving and display units, to prevent injuries from falling merchandise or structural issues.