Greenhouse Erection

What Does GL Code 95487 Cover?

ISO GL class code 95487 covers contractors engaged in the erection, installation, and repair of greenhouses, including all structural components, glazing, ventilation systems, and related foundational work. This code applies to businesses specializing in constructing these agricultural and horticultural structures, classifying operations from site preparation to final assembly.

Who Uses This Class Code?

Businesses that fall under this code include specialized greenhouse construction companies, agricultural building contractors, and firms that provide installation services for pre-fabricated greenhouse kits. This also encompasses contractors who perform structural repairs or expansions on existing greenhouse facilities.

Common GL Claims for This Class

Common claims include property damage to the client's existing property during construction, such as accidental breakage of irrigation lines or damage to landscaping. Other frequent claims involve bodily injury to third parties, like visitors or property owners, due to hazards on the construction site or from falling materials.

Coverage Tips for Code 95487

• Ensure your policy includes coverage for "Damage to Work Performed by Subcontractors" if you utilize other firms for specialized tasks like electrical or plumbing within the greenhouse structure.
• Verify that your General Liability policy explicitly covers "Products-Completed Operations" to protect against claims arising from structural failures or defects after the greenhouse project is finished.
• Given the potential for severe weather in Florida, review your policy for adequate coverage related to windstorm and hurricane damage during the construction phase, especially for partially completed structures.
• Maintain meticulous records of all materials used and construction phases, as this can be crucial during a GL audit, especially since the basis is "gross receipts."