Toll Bridges

What Does GL Code 49292 Cover?

ISO GL class code 49292 covers the operation and maintenance of toll bridges, including the collection of tolls and the upkeep of the bridge structure and associated roadways. This class specifically applies to entities responsible for the infrastructure and revenue generation from vehicular traffic crossing these structures. It encompasses the general liability exposures related to the public's use of the bridge and its facilities.

Who Uses This Class Code?

Public and private entities operating toll bridges, bridge authorities, state transportation departments managing toll bridge operations, and private concessionaires responsible for the construction, maintenance, and operation of toll bridges.

Common GL Claims for This Class

Common claims include vehicle damage or personal injury due to potholes or debris on the bridge, accidents at toll plazas, and claims arising from structural defects or failures leading to property damage or bodily injury.

Coverage Tips for Code 49292

• Ensure your policy includes coverage for property damage to third-party vehicles or property caused by structural failures or maintenance issues on the bridge.
• Verify that your general liability policy extends to cover premises liability exposures arising from toll plazas, administrative buildings, and pedestrian walkways associated with the bridge.
• Regularly review contractual agreements with maintenance contractors to ensure they carry adequate insurance and name the toll bridge operator as an additional insured.
• Implement robust risk management protocols for severe weather events, as Florida's climate can significantly impact bridge integrity and public safety, leading to potential liability claims.