Contractors--Subcontracted Work--In Connection with Building Construction--Apartment or Office Buildings over Four Stories

What Does GL Code 91582 Cover?

ISO GL class code 91582 covers contractors performing subcontracted work in connection with the construction, reconstruction, repair, or erection of apartment or office buildings over four stories. This class specifically applies to the general liability exposure of subcontractors engaged in various trades on large-scale, multi-story projects. It is primarily concerned with the risks associated with operations performed by others on behalf of a general contractor.

Who Uses This Class Code?

This code is used by a wide range of subcontractors involved in high-rise construction, including electrical contractors, plumbing and HVAC installers, structural steel erectors, concrete pouring and finishing crews, drywall and framing specialists, and exterior facade installers working on apartment complexes or office towers exceeding four stories.

Common GL Claims for This Class

Common GL claims for this class include bodily injury to third parties (e.g., visitors, other tradespeople) due to faulty workmanship or unsafe conditions, property damage to the structure itself or adjacent properties caused by construction activities, and claims arising from defective products or completed operations.

Coverage Tips for Code 91582

• Always ensure you have a written contract with the general contractor that clearly defines scope of work, insurance requirements, and indemnification clauses.
• Verify that the general contractor names you as an additional insured on their General Liability policy, and conversely, ensure your subcontractors name you as additional insured on theirs.
• Be meticulous with your payroll records and subcontractor payments, as these are often the basis for premium audits and can lead to significant adjustments if not properly documented.
• For Florida projects, ensure all necessary state and local licenses are current for your specific trade, as unlicensed work can void coverage or lead to severe penalties.