Septic Tank Systems--Installation, Servicing or Repair

What Does GL Code 98806 Cover?

ISO GL class code 98806 specifically covers businesses engaged in the installation, servicing, and repair of septic tank systems. This includes all operations related to the design, excavation, placement, connection, and maintenance of residential and commercial septic systems, as well as pumping and waste disposal. The code classifies contractors whose primary work involves these specialized underground waste management services.

Who Uses This Class Code?

This code is utilized by businesses such as septic system installers, septic tank pumping services, drain field repair companies, and wastewater treatment system contractors. It also applies to companies specializing in septic system inspections, maintenance, and emergency repair services for both residential and commercial properties.

Common GL Claims for This Class

Common General Liability claims for septic tank businesses include property damage from excavation errors, such as hitting underground utility lines or damaging landscaping. Additionally, claims can arise from improper installation leading to system failure, or accidental spills of wastewater during pumping or transport.

Coverage Tips for Code 98806

• Ensure your policy includes Pollution Liability coverage for sudden and accidental releases during pumping or repair, as standard GL policies often exclude this.
• Verify that your subcontractors carry their own General Liability insurance with adequate limits and name your business as an additional insured to prevent coverage gaps.
• Be aware of audit exposures related to gross receipts, as carriers will verify income to ensure proper premium calculation for installation and service work.
• Confirm compliance with Florida Department of Health (DOH) regulations for septic system contractors, as proper licensing and permitting are crucial for insurability.