Communication Equipment Installation--Industrial or Commercial

What Does GL Code 91551 Cover?

ISO GL class code 91551 covers businesses specializing in the installation of communication equipment for industrial or commercial clients. This includes the setup, wiring, and integration of various communication systems within non-residential properties. The code specifically classifies operations related to the physical installation and connectivity of these systems.

Who Uses This Class Code?

Businesses that fall under this code include commercial telecommunications installers, industrial network cabling companies, business phone system integrators, and data communication infrastructure contractors. These are firms that physically install and connect communication hardware in offices, factories, and other commercial settings.

Common GL Claims for This Class

Common claims include property damage caused by accidental drilling through walls or ceilings during cable installation, bodily injury to third parties from tripping over unsecured cables or equipment on a job site, and claims arising from faulty wiring leading to system malfunctions or property damage.

Coverage Tips for Code 91551

• Ensure your policy includes coverage for property damage to the client's premises during installation, as this is a common exposure for equipment installers.
• Verify that your general liability policy extends to cover work performed by any subcontractors you utilize, and always require them to carry their own insurance with you named as an additional insured.
• Maintain meticulous records of all installed equipment, system configurations, and client sign-offs to aid in defense against potential claims of faulty installation.
• In Florida, be aware of specific local permitting requirements for communication infrastructure projects, as non-compliance can lead to fines and coverage issues.