Contractors--Subcontracted Work--In Connection with Construction, Reconstruction, Erection or Repair--Not Buildings

What Does GL Code 91581 Cover?

ISO GL class code 91581 covers general liability for contractors who subcontract work in connection with construction, reconstruction, erection, or repair activities that do not involve buildings. This code specifically addresses the general liability exposures arising from the work performed by subcontractors on projects such as roads, bridges, pipelines, and other infrastructure. It is crucial for managing the risks associated with third-party labor on non-building construction sites.

Who Uses This Class Code?

General contractors overseeing infrastructure projects, civil engineering firms managing road construction, utility contractors subcontracting trenching or pipe laying, and specialized contractors who hire others for non-building repair or erection work. This includes businesses that manage projects like bridge repair, dam construction, or large-scale landscaping and excavation where significant portions of the work are outsourced.

Common GL Claims for This Class

Common claims include property damage caused by a subcontractor's faulty work on a road project, bodily injury to a third party due to a subcontractor's negligence during pipeline installation, or damage to underground utilities caused by a subcontractor's excavation activities.

Coverage Tips for Code 91581

• Always require subcontractors to carry their own General Liability insurance with limits equal to or greater than your own, and name your company as an Additional Insured.
• Implement a robust subcontractor agreement that clearly defines responsibilities, indemnification clauses, and insurance requirements to mitigate your exposure.
• Regularly audit subcontractor certificates of insurance (COIs) to ensure continuous coverage and compliance with contractual obligations.
• Understand that this code does not cover your own direct work, only the liability arising from the work performed by your subcontractors; ensure your primary GL policy adequately covers your direct operations.