Carpentry--Construction of Residential Property Not Exceeding Three Stories in Height

What Does GL Code 91340 Cover?

ISO GL class code 91340 specifically covers carpentry operations involved in the construction of residential properties not exceeding three stories in height. This code classifies businesses engaged in framing, trim work, cabinet installation, and other wood-related construction tasks for single-family homes, duplexes, and low-rise apartment buildings. It focuses on the general liability exposures associated with these specific residential carpentry activities.

Who Uses This Class Code?

This code applies to residential carpentry contractors, home builders specializing in single-family or low-rise multi-family construction, framing contractors for residential projects, and finish carpentry businesses working on homes up to three stories. Examples include independent carpenters, small residential construction companies, and subcontractors performing wood-related work on new homes.

Common GL Claims for This Class

Common GL claims for residential carpentry include property damage caused by falling tools or materials, bodily injury to visitors or other tradespeople on the job site due to unsafe conditions, and damage to existing structures during renovation or construction activities.

Coverage Tips for Code 91340

• Ensure your policy includes coverage for 'Damage to Work Performed by Subcontractors' if you use subs, as standard GL policies often exclude this.
• Verify that your gross receipts are accurately reported for audit purposes, as underreporting can lead to significant premium adjustments and potential coverage issues.
• Confirm your Florida contractor's license is current and appropriate for residential carpentry to avoid regulatory penalties and potential coverage denials.
• Implement robust safety protocols and provide proper training to mitigate risks of bodily injury to third parties on job sites, a common source of claims.