Taxidermists

What Does GL Code 49005 Cover?

ISO GL class code 49005 covers businesses engaged in the art and science of taxidermy, which involves preserving, stuffing, and mounting animal specimens for display or study. This code applies to operations that receive animal carcasses, prepare them, and create lifelike representations, often for hunters, museums, or private collectors. The primary exposures include property damage to specimens, chemical handling, and potential injury to clients on premises.

Who Uses This Class Code?

Businesses that fall under this code include independent taxidermy studios, taxidermists operating out of home workshops, and commercial taxidermy services that cater to hunters, anglers, and scientific institutions. This also encompasses businesses specializing in the restoration of antique taxidermy mounts.

Common GL Claims for This Class

Common claims for taxidermists include damage to client-owned specimens during the preservation or mounting process, bodily injury to clients from slips or falls in the workshop, and property damage caused by chemical spills or fires related to the taxidermy process.

Coverage Tips for Code 49005

• Ensure your General Liability policy includes coverage for 'Care, Custody, or Control' of client specimens, as these are often high-value items.
• Verify that your policy covers the chemicals and solvents used in the taxidermy process, as these can pose environmental and health hazards.
• Implement strict safety protocols for clients visiting your workshop to mitigate slip-and-fall risks, especially around tools and chemicals.
• Maintain detailed records of all specimens received, including ownership, value, and condition, to assist with claims and prevent disputes.