Refrigeration Systems or Equipment--Dealers and Distributors and Installation, Servicing or Repair--Commercial

What Does GL Code 98636 Cover?

ISO GL class code 98636 is specifically designed for commercial refrigeration systems or equipment dealers and distributors, including those involved in installation, servicing, or repair. This class encompasses businesses that handle the sales, delivery, setup, and ongoing maintenance of refrigeration units for commercial clients, classifying their general liability exposures.

Who Uses This Class Code?

Businesses that sell and install commercial refrigerators, freezers, and cold storage units, such as restaurant equipment suppliers, supermarket refrigeration contractors, and industrial cold room installers. Also included are companies specializing in the repair and maintenance of these commercial refrigeration systems.

Common GL Claims for This Class

Common claims include property damage during installation, such as puncturing pipes or damaging electrical systems, and product liability claims if a faulty refrigeration unit causes spoilage or other losses for the client.

Coverage Tips for Code 98636

• Ensure your policy includes installation floater coverage for equipment being transported or installed at customer sites.
• Verify that your general liability policy explicitly covers completed operations for potential claims arising after installation or repair work is finished.
• Maintain detailed records of all subcontractor agreements, ensuring they carry their own GL insurance and name your business as an additional insured.
• Be aware of Florida's specific licensing requirements for HVAC/refrigeration contractors, as proper licensing can impact coverage validity.