Heating or Combined Heating and Air Conditioning Systems--Dealers or Distributors and Installation, Servicing or Repair

What Does GL Code 95648 Cover?

ISO GL class code 95648 applies to businesses engaged in the sale, distribution, installation, servicing, or repair of heating or combined heating and air conditioning systems and equipment. This class specifically covers operations ranging from retail sales to complex system installations and ongoing maintenance for residential and commercial clients. It encompasses the full scope of work performed by HVAC contractors specializing in heating.

Who Uses This Class Code?

This code is utilized by heating system dealers, HVAC equipment distributors, heating and air conditioning installation contractors, furnace repair services, and boiler maintenance companies. Businesses providing comprehensive climate control solutions, focusing on the heating aspect, fall under this classification.

Common GL Claims for This Class

Common claims include property damage caused by faulty installation, such as water leaks from condensate lines or fires originating from heating units. Other frequent claims involve bodily injury to third parties due to equipment malfunction or accidents during service calls.

Coverage Tips for Code 95648

• Ensure your policy includes coverage for property damage to customers' premises during installation or repair, especially for potential water or fire damage.
• Verify that your general liability policy extends to completed operations, as many claims arise after the heating system has been installed and is in use.
• For Florida contractors, confirm compliance with all state and local licensing requirements, as improper licensing can void coverage or lead to significant penalties.
• Require all subcontractors to carry their own general liability insurance with adequate limits and name your business as an additional insured to prevent coverage gaps.