Paperhanging

What Does GL Code 98344 Cover?

ISO GL class code 98344 covers contractors primarily engaged in paperhanging, including the preparation of surfaces, application of wallpaper, and removal of old wall coverings. This class specifically applies to businesses whose main operations involve interior wall finishing using various types of decorative papers and fabrics. It encompasses both residential and commercial projects where aesthetic wall treatments are the core service provided.

Who Uses This Class Code?

Businesses that fall under this code include independent paperhanging contractors, interior decorators specializing in wall coverings, and renovation companies with a dedicated paperhanging division. This also applies to firms that offer specialized services for historical wallpaper restoration or custom fabric wall installations.

Common GL Claims for This Class

Common claims for paperhanging businesses include property damage from adhesive spills or accidental tears to existing wall surfaces. Other claims may arise from improper surface preparation leading to bubbling or peeling wallpaper, requiring costly re-work.

Coverage Tips for Code 98344

• Ensure your General Liability policy includes coverage for 'Damage to Property of Others in Your Care, Custody, or Control' to protect against accidental damage to client property during paperhanging.
• Verify that your policy provides adequate 'Completed Operations' coverage, as claims can arise if wallpaper detaches or is improperly applied after the project is finished.
• If you utilize subcontractors, always require them to carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.
• Maintain accurate records of gross receipts, as this is the common basis for premium calculation, to avoid potential audit discrepancies and unexpected premium adjustments.