Upholstering

What Does GL Code 99826 Cover?

ISO GL class code 99826 covers businesses primarily engaged in upholstering furniture, including reupholstering, custom upholstery, and furniture repair services that involve upholstery work. This code classifies operations ranging from small independent shops to larger commercial upholsterers, focusing on the labor and materials involved in fabric and padding application. It encompasses the risks associated with handling various materials, operating machinery, and working on customer property.

Who Uses This Class Code?

This code applies to furniture upholsterers, custom furniture makers specializing in upholstered pieces, antique furniture restorers who perform upholstery, and marine or automotive upholsterers. Businesses such as upholstery repair shops, furniture re-covering services, and commercial upholsterers for hotels or restaurants fall under this classification.

Common GL Claims for This Class

Common General Liability claims for upholstering businesses include property damage to customer furniture during the repair or reupholstering process, bodily injury from slips and falls in the workshop, and damage caused by fire originating from flammable materials or equipment.

Coverage Tips for Code 99826

• Ensure your General Liability policy includes coverage for 'Damage to Property of Others in Your Care, Custody, or Control' as you frequently work on customer property.
• Review your policy for any exclusions related to fire damage from flammable materials or adhesives commonly used in upholstery work.
• Maintain accurate records of all materials used and services provided for each job to assist in claims handling and audit verification.
• If you subcontract any specialized work, verify that your subcontractors carry their own General Liability insurance and name your business as an additional insured.