Contractors--Subcontracted Work--In Connection with Construction of Buildings for Industrial Use

What Does GL Code 91584 Cover?

ISO GL class code 91584 covers general contractors who subcontract work related to the construction, reconstruction, repair, or erection of buildings specifically for industrial use. This code applies to contractors who manage projects where the actual labor is performed by other specialized contractors, focusing on industrial facilities like factories, warehouses, and power plants. It classifies the administrative and oversight operations of these general contractors, not the direct construction work itself.

Who Uses This Class Code?

This code is used by general contractors, construction managers, and project management firms specializing in industrial construction projects. Examples include companies overseeing the building of manufacturing plants, large-scale distribution centers, energy facilities, or heavy industrial complexes where specialized trades are subcontracted. It also applies to firms that manage the repair or renovation of existing industrial structures.

Common GL Claims for This Class

Common claims for this business type include property damage caused by a subcontractor's error during construction, bodily injury to third parties on the job site due to inadequate safety oversight, and claims arising from faulty workmanship discovered after project completion.

Coverage Tips for Code 91584

• Verify Subcontractor Insurance: Always require all subcontractors to provide certificates of insurance naming your company as an additional insured, with adequate limits for General Liability, Workers' Compensation, and Auto Liability.
• Review Subcontractor Agreements: Ensure all subcontracts include clear indemnification clauses and hold-harmless agreements that protect your firm from liability arising from the subcontractor's work.
• Maintain Strict Project Oversight: Implement robust project management and safety protocols, as your firm can still be held responsible for incidents caused by inadequate supervision or faulty subcontractor selection.
• Understand Completed Operations Exposure: Recognize that claims can arise long after a project is finished; ensure your policy provides sufficient completed operations coverage for the industrial structures you oversee.