Water Companies

What Does GL Code 99943 Cover?

ISO GL class code 99943 covers operations for water companies, including the purification, pumping, and distribution of water to consumers. This code encompasses the infrastructure and services required to provide potable water, classifying the general liability exposures associated with water utility operations.

Who Uses This Class Code?

Businesses that fall under this code include municipal water departments, private water utility companies, water treatment plants, and water distribution network operators. These entities are responsible for managing the entire water supply chain from source to tap.

Common GL Claims for This Class

Common claims for water companies include property damage from water main breaks or pipeline leaks, bodily injury due to slips and falls on wet surfaces caused by leaks, and claims arising from water contamination affecting public health.

Coverage Tips for Code 99943

• Ensure your policy includes coverage for utility service interruptions, as this is a significant exposure for water companies.
• Verify that your general liability policy accounts for property damage and bodily injury arising from pipeline ruptures or water main breaks.
• Review your policy for coverage related to contamination events, which can lead to widespread claims and regulatory fines.
• In Florida, confirm compliance with all Department of Environmental Protection (DEP) regulations, as non-compliance can impact coverage and increase liability.