Tile, Stone, Marble, Mosaic or Terrazzo Work--Interior Construction

What Does GL Code 99746 Cover?

ISO GL class code 99746 covers contractors specializing in the installation, repair, and finishing of interior surfaces using tile, stone, marble, mosaic, or terrazzo materials. This class specifically includes operations performed within buildings, classifying the risks associated with precision craftsmanship and material handling in finished or semi-finished environments.

Who Uses This Class Code?

Businesses that fall under this code include ceramic tile installers, marble and granite countertop fabricators and installers, mosaic artists, terrazzo flooring contractors, and stone masons working on interior projects. This also encompasses companies specializing in decorative stone veneer application inside commercial and residential properties.

Common GL Claims for This Class

Common claims for this business type include property damage during installation, such as cracking existing flooring or damaging walls, and bodily injury claims from slips and falls on newly installed or wet surfaces. Additionally, claims can arise from faulty workmanship leading to tiles detaching or stone cracking after completion.

Coverage Tips for Code 99746

• Ensure your policy includes coverage for damage to property in your care, custody, or control, as you often work on valuable client property.
• Verify that your subcontractors carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.
• Maintain accurate records of all project specifications, materials used, and client approvals to defend against potential claims of faulty workmanship.
• Understand the implications of Florida's construction lien laws and ensure proper documentation to avoid legal disputes related to payment and project completion.