General Liability

ISO GL Class Code Lookup

Search the complete ISO General Liability classification system. Find the GL class code for your Florida business — contractors, restaurants, retail stores, golf courses, hotels, and more. Each code links to a detailed page with coverage notes and a quote.

System

ISO

Coverage

Florida

Codes Listed

328+

Industries

14

GL class codes are ISO codes used by admitted carriers to rate commercial general liability policies. Most FL policies are rated on gross receipts. Rates vary by carrier and risk profile — contact us for a quote specific to your business.

328 codes

Contractors & Trades

(103 codes)
CodeDescription
91111Air Conditioning Systems or Equipment--Dealers or Distributors and Installation, Servicing or RepairFWC
91127Alarms and Alarm Systems--Installation, Servicing or Repair
91130Alarms--Security Systems--Monitoring
91150Appliances and Accessories--Installation, Servicing or Repair--Commercial
91155Appliances and Accessories--Installation, Servicing or Repair--Household
91265Bridge or Elevated Highway Construction--Iron or Steel
91266Bridge or Elevated Highway Construction--Concrete
91340Carpentry--Construction of Residential Property Not Exceeding Three Stories in HeightFWC
91341Carpentry--InteriorFWC
91342CarpentryFWC
91343Carpentry--Shop Only
91405Carpet, Rug, Furniture or Upholstery Cleaning--on Customers' Premises
91523Cleaning--Outside Surfaces of Buildings & Other Exterior Surfaces
91551Communication Equipment Installation--Industrial or Commercial
91555Computer Service or Repair
91560Concrete ConstructionFWC
91580Contractors--Executive Supervisors or Executive Superintendents
91581Contractors--Subcontracted Work--In Connection with Construction, Reconstruction, Erection or Repair--Not Buildings
91582Contractors--Subcontracted Work--In Connection with Building Construction--Apartment or Office Buildings over Four Stories
91583Contractors--Subcontracted Work--In Connection with Building Construction--One- or Two-Family Dwellings
91584Contractors--Subcontracted Work--In Connection with Construction of Buildings for Industrial Use
91585Contractors--Subcontracted Work--In Connection with Construction, Reconstruction, Repair or Erection of Buildings
91591Contractors--Subcontracted Work--Other Than Construction-Related Work
91600Construction or Project Manager
92215Driveway, Parking Area or Sidewalk--Paving or Repaving
92338Dry Wall or Wallboard InstallationFWC
92446Electric Light or Power Line Construction
92451Electrical Apparatus--Installation, Servicing or RepairFWC
92478Electrical Work--within BuildingsFWC
92593Elevator or Escalator Inspecting, Installation, Servicing or Repair
92663Engineers or Architects--Consulting--Not Engaged in Actual Construction
94007ExcavationFWC
94276Fence Erection Contractors
94304Fire Extinguishers--Servicing, Refilling or Testing
94381Fire Suppression Systems--Installation, Servicing or Repair
94444Contractors
94569Floor Covering Installation--Not Ceramic Tile or Stone
95124Furniture or Fixtures--Installation in Offices or Stores--Portable--Metal or Wood
95233Garbage, Ash or Refuse Collecting
95410Grading of Land
95487Greenhouse Erection
95625HandypersonFWC
95630Hazardous Material Contractors
95647Heating or Combined Heating and Air Conditioning Systems--Dealers or Distributors and Installation, Servicing or Repair--No LPGFWC
95648Heating or Combined Heating and Air Conditioning Systems--Dealers or Distributors and Installation, Servicing or Repair
96053House Furnishings Installation
96317Inspection and Appraisal Companies--Inspecting for Insurance or Valuation Purposes
96408Insulation Work--Plastic
96409Insulation Work--Organic or Plastic in Solid State
96410Insulation Work--Mineral
96611Interior Decorators
96702Irrigation or Drainage System Construction
96816Janitorial ServicesFWC
97047Landscape GardeningFWC
97050Lawn Care ServicesFWC
97222Machinery or Equipment--Industrial--Installation, Servicing or Repair
97223Machinery or Equipment--Installation, Servicing or Repair
97447MasonryFWC
97650Metal Erection--Decorative or Artistic
97651Metal Erection--Frame Structures Iron Work on Outside of Buildings
97655Metal Erection--Structural
98111Office Machines or Appliances--Installation, Inspection, Adjustment or Repair
98303Painting--Exterior--Buildings or Structures--Exceeding Three Stories in Height
98304Painting--Exterior--Buildings or Structures--Three Stories or Less in HeightFWC
98305Painting--Interior--Buildings or StructuresFWC
98344Paperhanging
98413Pile Driving--Building Foundation Only
98449Plastering or Stucco Work
98482Plumbing--Commercial and Industrial
98483Plumbing--Residential or Domestic
98502Prefabricated Building ErectionFWC
98636Refrigeration Systems or Equipment--Dealers and Distributors and Installation, Servicing or Repair--Commercial
98640Renovating--Outside Surfaces of Buildings
98677Roofing--Commercial or Residential Over Three StoriesFWC
98678Roofing--Residential--Three Stories & UnderFWC
98806Septic Tank Systems--Installation, Servicing or Repair
98820Sewer Mains or Connections Construction
98884Sheet Metal Work--Outside
98967Siding Installation
98993Sign Erection, Installation or Repair
99080Solar Energy ContractorsFWC
99310Snow & Ice Removal--Contractor
99315Street or Road Construction or Reconstruction
99471Surveyors--Land--Not Engaged in Actual Construction
99505Swimming Pool Servicing
99506Swimming Pools--Installation, Servicing or Repair--Above Ground
99507Swimming Pools--Installation, Servicing or Repair--Below Ground
99613Telephone, Telegraph or Cable Television Line Construction
99650Television or Radio Receiving Set Installation or Repair
99746Tile, Stone, Marble, Mosaic or Terrazzo Work--Interior Construction
99777Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating
99826Upholstering
99948Water Softening Equipment--Installation, Servicing or Repair
99952Waterproofing--By Pressure Apparatus
99953Waterproofing--By Trowel--Exterior
99955Waterproofing
99969Welding or Cutting
99975Window Cleaning
99986Wrecking--Buildings or Structures
43470Pest Control Services
43860Fumigating
91636Detective or Investigative Agencies--Private
98751Security and Patrol Agencies

Restaurants & Food Service

(22 codes)
CodeDescription
16900Restaurants--with No Sale of Alcoholic Beverages--with Table Service
16901Restaurants--with No Sale of Alcoholic Beverages--without Table Service with Seating
16902Restaurants--with No Sale of Alcoholic Beverages--without Seating
16910Restaurants--with Sale of Alcoholic Beverages Less Than 30% of Total Annual Receipts--with Table Service
16911Restaurants--with Sale of Alcoholic Beverages Less Than 30% of Total Annual Receipts--without Table Service
16915Restaurants--with Sale of Alcoholic Beverages 30%–75% of Total Annual Receipts--with Dance Floor
16916Restaurants--with Sale of Alcoholic Beverages 30%–75% of Total Annual Receipts--without Dance Floor
16920Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--with Tables--with Dance Floor: Table Service
16930Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--with Tables--without Dance Floor: Table Service
16940Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--Bar Service Only: with Dance Floor
16941Restaurants--with Sale of Alcoholic Beverages 75%+ of Total Annual Receipts--Bar Service Only: without Dance Floor
16819Restaurants--Operated by Concessionaires--Other Than Not-For-Profit
11039Caterers
11288Delicatessens
10100Bakeries
14401Ice Cream Stores
13673Grocery Stores
18501Supermarkets
13720Health or Natural Food Stores
15656Nightclubs, Cabarets and Comedy Clubs
11273Dance Halls, Ballrooms or Discotheques--Other Than Not-For-Profit
49617Vending Machine Operations--Confection, Food, Beverage or Ice

Retail Stores

(33 codes)
CodeDescription
18437Stores: Retail NOC
12356Department or Discount Stores
11127Clothing or Wearing Apparel Stores--Other Than Not-For-Profit
13351Furniture Stores--Other Than Not-For-Profit
13716Hardware Stores
14279Home Improvement Stores
18206Sporting Goods or Athletic Equipment Stores
18110Shoe Stores
10026Antique Stores
11155Collectibles and Memorabilia Stores
11160Computer Stores
12393Electronics Store
12841Florists
13506Gift Shops--Other Than Not-For-Profit
14655Jewelry Stores or Distributors
16403Pet Stores
18834Toy Stores
10071Automobile Parts and Supplies Stores
10150Bicycle Stores--Sales and Servicing
10255Building Material Dealers--Other Than Secondhand Material
10309Camera and Photographic Equipment Stores
10352Candy or Confectionery Stores
12374Drugstores--No Table or Counter Service for Beverage or Food
12805Floor Covering Stores
15224Meat, Fish, Poultry or Seafood Stores
15600Nail Salons
16402Pet Grooming
16471Photographers
18570Tattoo Parlors
18616Tire Dealers
18911Variety Stores--Other Than Not-For-Profit
16722Rental Stores
15699Nursery--Garden

Recreation & Sports

(31 codes)
CodeDescription
11138Clubs--Country or Golf
44069Golf Courses--Miniature
44070Golf Courses--Municipal or Public--Not Golf or Country Clubs
44071Golf Driving Ranges
44072Golfmobiles--Loaned or Rented to Others
10220Bowling Lanes
10160Billiard or Pool Halls
41665Clubs--Racket Sports and Handball
41666Clubs--Swimming
44311Health or Exercise Clubs
44315Health or Exercise Facilities--Commercially Operated
48924Swimming Pools--Commercially Operated
10015Amusement Centers
10020Amusement Parks
40040Amusement Devices
11120Children's Playcenter--Indoor
41421Camps--For-Profit
10107Boat Yards or Marinas--Public
10117Boats--Motor or Sail--Rented to Others
48177Skating Rinks--Ice
48178Skating Rinks--Roller
48610Sports or Outdoor Activities--Commercially Operated
43760Fishing Ponds or Lakes--Commercially Operated
43754Fishing Piers
44222Guides or Outfitters
16670Racquet Sports and Handball Facilities--Commercially Operated
47253Rifle or Pistol Ranges--Indoor
47254Rifle or Pistol Ranges
43121Dude Ranches
41664Clubs--Horseback Riding--No Commercial Riding Instructions
47221Riding Academies

Professional Services

(22 codes)
CodeDescription
41677Consultants
41675Computer Consulting or Programming
43200Employment Agencies
47050Real Estate Agents
47052Real Estate Property Managed
45334Insurance Agents
45937Mailing or Addressing Services
45993Manufacturers' Representatives
47367Sales or Service Organizations
96930Web Site Designers
47610Internet Service Providers
99600Telecommunications Service Providers
43151Computer Data Processing--Operations
47103Recording Studios
44280Event, Party or Wedding Planners
43889Funeral Homes or Chapels
49333Travel Agency Tours
43215Entertainment Performed on Others' Premises
97002Laboratories--Research, Development or Testing--Other Than Not-For-Profit
46112Diagnostic Testing Laboratories
91135Analytical Chemists
91160Armored Car Service Companies

Health & Wellness

(15 codes)
CodeDescription
10113Barber Shops
10115Beauty Parlors and Hair Styling Salons
18200Spas or Personal Enhancement Facilities
48808Sun Tanning Salons
44500Home Health Care Services--Other Than Not-For-Profit
44429Health Care Facilities--Convalescent or Nursing Homes
44435Health Care Facilities--Hospitals Other Than Not-For-Profit
44439Health Care Facilities--Clinics, Dispensaries or Infirmaries Treating Outpatients Only
99851Veterinarian or Veterinary Hospitals
45450Kennels--Breeding, Boarding or Sales
16404Pet Training
12014Dental Laboratories
47474Schools--Trade or Vocational
41715Day Care Centers--Other Than Not-For-Profit
40005Adult Day Care--Not-For-Profit Only

Transportation & Logistics

(6 codes)
CodeDescription
99793Truckers
94617Freight Forwarders or Handlers
40010Airports--Commercial
49800Wharf and Waterfront Property--Ferry Docks or Terminals
41210Bus Stations or Terminals
49292Toll Bridges

Utilities & Energy

(5 codes)
CodeDescription
92445Electric Light or Power Companies
95305Gas Companies
99943Water Companies
13410Gas Dealers--LPG
13204Fuel Oil or Kerosene Dealers

Other Services

(29 codes)
CodeDescription
11007Carpet, Rug or Upholstery Cleaning--Shop Only
14731Laundries and Dry Cleaners--Self-Service
45678Laundries and Dry Cleaning Plants
18109Shoe Repair Shops
18507Tailoring or Dressmaking Establishments--Custom
14913Locksmiths
15173Mail Box or Packaging Stores
11222Copying and Duplicating Services--Retail
95620Gunsmiths
98405Piano Tuning
49005Taxidermists
49840Window Decorating
47318Rodeos
49183Theaters--Motion Pictures
49184Theaters--Other Than Not-For-Profit Only
48637Stadiums--Operated by Insured--Other Than Not-For-Profit
41603Cemeteries--Other Than Not-For-Profit
41696Crematories--Other Than Not-For-Profit
43945Garbage or Refuse Dumps
47146Recycling Collection Centers--Other Than Not-For-Profit
49617Vending Machine Operations--Confection, Food, Beverage or Ice
19061Portable Toilet Rentals
90089Advertising Sign Companies--Outdoor
97111Logging and Lumbering
45819Lumberyards
98002Mining
98555Quarries
99160Steam Heating or Steam Power Companies
43822Forestry Service

Manufacturing

(30 codes)
CodeDescription
59161Food Products--Manufacturing--NOC
59458Bakeries--Wholesale
59460Beverage Manufacturing--NOC
59482Bottling--NOC
59485Breweries
59490Distilleries
59494Wineries
58161Printing--NOC
58163Printing--Screen
58167Bookbinding or Finishing Operations
57572Metal Goods Manufacturing--NOC
57410Furniture Manufacturing--Wood
57411Furniture Manufacturing--Metal
57412Furniture Manufacturing--Upholstered
56391Paper or Cardboard Products Manufacturing--NOC
55410Clothing or Wearing Apparel Manufacturing--NOC
55412Embroidery
55415Textile Manufacturing--NOC
54672Chemical Manufacturing--NOC
54676Cleaning or Polishing Preparations Manufacturing
54680Cosmetics or Toiletries Manufacturing
54684Paint or Varnish Manufacturing
53732Plastics Products Manufacturing--NOC
53734Rubber Goods Manufacturing--NOC
52432Electronics or Scientific Instruments Manufacturing--NOC
52436Computer Hardware Manufacturing
51416Boat Building or Repair--Wood
51418Boat Building or Repair--Fiberglass or Composite
51420Boat Building or Repair--Metal
51422Marine Engine Installation or Repair

Frequently Asked Questions

What is a GL class code?

A GL (General Liability) class code is a 5-digit ISO code that insurance carriers use to classify your business by type and risk level. The code determines your base premium rate. ISO (Insurance Services Office) maintains the standard classification system used by most admitted carriers nationwide.

How is a GL class code different from a workers comp class code?

Workers comp class codes are NCCI codes that classify employees by job duty. GL class codes are ISO codes that classify the entire business operation. A roofing contractor, for example, uses NCCI code 5551 for workers comp and ISO code 98677 or 98678 for general liability — they are separate systems.

What is the basis of premium for general liability?

Most GL policies are rated on gross receipts (total revenue). Some classes use payroll, area (square footage), admissions, or units. Your carrier will audit your actual exposure at policy expiration and adjust the premium accordingly.

Do I need general liability insurance in Florida?

Florida does not universally require GL insurance, but many industries require it by contract, license, or permit. Licensed contractors in Florida must carry GL as a condition of their DBPR license. Landlords, lenders, and general contractors typically require subcontractors to carry GL before work begins.

How do I find the right GL class code for my Florida business?

Use the search tool on this page to find your code by business type or keyword. If your operation spans multiple codes, your carrier will typically assign the code that best describes your primary revenue-generating activity. Contact Bright Coast Insurance for expert guidance on GL classification.

Found Your GL Class Code?

Get a free general liability quote from Bright Coast Insurance. We work with multiple admitted carriers to find the best rate for your business class.

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