Sporting Goods or Athletic Equipment Stores

What Does GL Code 18206 Cover?

ISO GL class code 18206 specifically covers retail establishments primarily engaged in selling sporting goods and athletic equipment. This classification encompasses a wide range of operations, from specialized sports shops to larger stores offering general athletic gear, and accounts for the unique liability exposures associated with the sale and demonstration of such products.

Who Uses This Class Code?

Businesses that fall under this code include bicycle shops, golf pro shops, dive shops, ski and snowboard retailers, fishing and hunting supply stores, and general athletic equipment outlets. These are typically brick-and-mortar stores where customers can browse, try on, and purchase sporting merchandise.

Common GL Claims for This Class

Common claims include slip-and-fall incidents by customers on the premises, injuries sustained by customers while trying out equipment (e.g., falling off a bicycle, dropping weights), and product liability claims arising from defective sporting goods sold.

Coverage Tips for Code 18206

• Ensure product liability coverage is adequate for all items sold, especially those with inherent risks like firearms, archery equipment, or fitness machines.
• Verify that your general liability policy includes coverage for premises medical payments, as customers may be injured while testing equipment or navigating the store.
• Implement robust inventory management and security measures to mitigate theft, which can impact property insurance premiums and claims.
• If offering equipment rentals or repairs, confirm that your policy extends coverage to these operations and consider additional endorsements for off-premises liability.