Welding or Cutting

What Does GL Code 99969 Cover?

ISO GL class code 99969 covers businesses primarily engaged in welding or cutting operations, including both shop and mobile services. This code classifies the general liability exposures associated with the use of torches, arc welders, and other cutting equipment, whether performed on-site at a client's location or within a dedicated facility. It encompasses the risks related to fire, sparks, fumes, and potential damage to property during these specialized operations.

Who Uses This Class Code?

This code applies to a variety of specialized businesses such as independent welding contractors, mobile welding services, metal fabrication shops with welding operations, and businesses providing on-site cutting and brazing services for construction or repair projects. It also includes specialty contractors focused solely on welding for structural, pipeline, or artistic applications.

Common GL Claims for This Class

Common general liability claims for welding and cutting businesses include property damage due to sparks igniting nearby materials, fire spreading to a client's structure during on-site work, and third-party bodily injury from burns or inhalation of fumes.

Coverage Tips for Code 99969

• Ensure your policy includes coverage for 'Damage to Property of Others in Your Care, Custody, or Control' as welding often occurs on client property.
• Verify that your general liability policy does not have exclusions for 'Hot Work' or 'Welding Operations' that could leave significant coverage gaps.
• Implement strict fire prevention protocols and maintain detailed records, as these are critical for underwriting and claims handling in this high-risk class.
• For mobile welders in Florida, confirm your policy covers operations performed at various job sites and that any required local permits or licenses are in order.