Construction or Project Manager

What Does GL Code 91600 Cover?

ISO GL class code 91600 covers businesses operating as construction or project managers, overseeing and coordinating construction projects without performing the actual physical labor. This code classifies operations involving the planning, scheduling, budgeting, and supervision of construction activities, acting as the owner's representative or general contractor's agent. It is used for entities that manage the entire project lifecycle, from conception to completion, ensuring adherence to specifications and timelines.

Who Uses This Class Code?

This code applies to independent construction project management firms, owner's representatives, construction consultants, and general contractors who primarily engage in project oversight rather than direct construction work. Specific business types include construction management companies, project development consultants, and program management services for large-scale building projects.

Common GL Claims for This Class

Common GL claims for construction project managers often involve property damage caused by subcontractors under their oversight, such as a burst pipe or structural damage during construction. Another frequent claim type arises from bodily injury to third parties on the job site due to inadequate safety protocols or supervision, even if the project manager is not directly performing the work.

Coverage Tips for Code 91600

• Ensure your professional liability (E&O) policy specifically covers construction management services, as GL policies typically exclude professional errors.
• Always verify that all subcontractors carry adequate General Liability and Workers' Compensation insurance, naming your firm as an additional insured.
• Review contracts carefully to understand your indemnification obligations and ensure they align with your insurance coverage to avoid gaps.
• Maintain meticulous documentation of project progress, communications, and change orders, as this is crucial for defending against claims.