Street or Road Construction or Reconstruction

What Does GL Code 99315 Cover?

ISO GL class code 99315 classifies businesses primarily engaged in street or road construction and reconstruction, including grading, paving, and resurfacing. This code encompasses operations involved in building new roads, highways, and streets, as well as significant repair or overhaul of existing infrastructure. It covers the general liability exposures associated with heavy equipment operation, traffic management, and public safety during these large-scale projects.

Who Uses This Class Code?

This code applies to general contractors specializing in highway construction, municipal road builders, asphalt paving companies, concrete road construction firms, and civil engineering contractors focused on transportation infrastructure. Businesses involved in bridge construction as part of a road project, or those performing major street renovations, would also fall under this classification.

Common GL Claims for This Class

Common GL claims include property damage to adjacent structures or vehicles from heavy equipment operation, bodily injury to pedestrians or motorists due to inadequate signage or traffic control, and damage to underground utilities during excavation.

Coverage Tips for Code 99315

• Ensure your policy includes coverage for damage to underground utilities, a common risk in excavation and grading.
• Verify that your policy has adequate limits for contractual liability, as many road construction projects involve complex agreements with municipalities and state DOTs.
• Implement robust traffic control plans and ensure all personnel are trained in flagger safety to mitigate public liability exposures.
• Confirm that all subcontractors carry their own General Liability insurance with limits equal to or greater than yours, naming your company as an additional insured to prevent coverage gaps.