For general liability purposes, ISO uses the same code to apply to both commercial and personal janitorial services. 51767 - Carbon Paper or Inked Ribbon Mfg. Display Alt. Workers compensation pays for the medical care of employees and can replace a portion of lost wages - regardless of who was at fault for the injuries. What Is An Additional Insured Endorsement? General Liability classifications categorize businesses according to the service they provide and the hazards and risks that are unique to those services. While insurance companies use GL codes to approve and rate businesses, they are also used to deny certain coverages as well. Learn how businesses are classified to general liability codes. Alternatively, they might develop their own in-house classification system. Both the code and class description are listed in numerical order of the GL class code: Finding the best fit general liability class codes for commercial insurance is important to making sure your business is has the right coverage at correct rate. 51250 - Automobile, Bus and Truck Body Mfg. 91315 - Cable or Subscription Television Cos. 91324 - Caisson or Cofferdam Work-Foundations for Buildings, 91325 - Caisson or Cofferdam Work-Not Foundations for Buildings, 91340 - Carpentry-Construction of Residential Property Not Exceeding Three Stories in Height, 91405 - Carpet, Rug, Furniture or Upholstery Cleaning-on Customers’ Premises, 91436 - Ceiling or Wall Installation-Metal, 91523 - Cleaning-Outside Surfaces of Buildings & Other Exterior Surfaces, 91551 - Communication Equipment Installation-Industrial or Commercial, 91562 - Concrete or Cement Distributing Towers-Rented to Others-Installation, Repair, or Removal Operations Only, 91577 - Conduit Construction for Cables or Wires, 91580 - Contractors-Executive Supervisors or Executive Superintendents, 91581 - Contractors-Subcontracted Work-In Connection with Construction, Reconstruction, Erection or Repair-Not Buildings, 91582 - Contractors-Subcontracted Work-In Connection with Building Construction, Reconstruction, Repair or Erection-Apartment or Office Buildings over Four Stories, 91583 - Contractors-Subcontracted Work-In Connection with Building Construction, Reconstruction, Repair or Erection-One- or Two-Family Dwellings, 91584 - Contractors-Subcontracted Work-In Connection with Construction, Reconstruction, Repair or Erection of Buildings-for Industrial Use, 91585 - Contractors-Subcontracted Work-In Connection with Construction, Reconstruction, Repair or Erection of Buildings, 91586 - Contractors-Subcontracted Work-In Connection with Oil and Gas Field Construction, Reconstruction or Repair, 91587 - Contractors-Subcontracted Work-In Connection with Pipeline (Other Than Oil or Gas) or Communication or Power Line Construction, Reconstruction or Repair, 91588 - Contractors-Subcontracted Work-In Connection with Bridge, Tunnel, Elevated Street or Highway Construction, Reconstruction or Repair, 91589 - Contractors-Subcontracted Work-In Connection with Street or Highway Construction or Repair, Not Elevated, 91590 - Contractors Permanent Yards-Maintenance or Storage of Equipment or Material, 91591 - Contractors-Subcontracted Work-Other Than Construction-Related Work, 91636 - Detective or Investigative Agencies-Private, 91641 - Dike, Levee or Revetment Construction, 91722 - Dock Operations-Coal, Grain or Ore, 91746 - Door, Window or Assembled Millwork-Installation-Metal, 91746 - Door, Window, or Assembled Millwork-Installation-Metal, 92053 - Dredging-Gold-Endless Bucket or Ladder Type, 92054 - Dredging-Gold-Floating Dragline Type, 92215 - Driveway, Parking Area or Sidewalk-Paving or Repaving, 92215 - Driveway, Parking Area, or Sidewalk-Paving or Repaving, 92338 - Drywall or Wallboard Installation, 92446 - Electric Light or Power Line Construction, 92447 - Electric Light or Power Line Construction-Rural Utilities Service Projects Only, 92451 - Electrical Apparatus-Installation, Servicing or Repair, 92451 - Electrical Apparatus-Installation, Servicing, or Repair, 92453 - Electric Light or Power Cooperatives-Rural Utilities Service Projects Only, 92593 - Elevator or Escalator Inspecting, Installation, Servicing or Repair, 92663 - Engineers or Architects-Consulting-Not Engaged in Actual Construction, 94225 - Farm Machinery Operations-By Contractors, 94304 - Fire Extinguishers-Servicing, Refilling, or Testing, 94381 - Fire Suppression Systems-Installation, Servicing or Repair, 94569 - Floor Covering Installation-Not Ceramic Tile or Stone, 94617 - Freight Forwarders or Handlers-Other Than Packing, Handling or Shipping Explosives or Ammunition under Contract, 94638 - Freight Forwarders or Handlers-Packing, Handling or Shipping Explosives or Ammunition under Contract, 95124 - Furniture or Fixtures-Installation in Offices or Stores-Portable-Metal or Wood, 95233 - Garbage, Ash or Refuse Collecting, 95233 - Garbage, Ash, or Refuse Collecting, 95306 - Gas Cos.-Natural Gas-Local Distribution, 95310 - Gas Mains or Connections Construction, 95358 - Geophysical Exploration-Seismic Method, 95647 - Heating or Combined Heating and Air Conditioning Systems or Equipment-Dealers or Distributors and Installation, Servicing or Repair-No Liquefied Petroleum Gas (LPG) Equipment Sales or Work, 95648 - Heating or Combined Heating and Air Conditioning Systems or Equipment-Dealers or Distributors and Installation, Servicing or Repair, 96317 - Inspection and Appraisal Cos.-Inspecting for Insurance or Valuation Purposes, 96409 - Insulation Work-Organic or Plastic in Solid State, 96702 - Irrigation or Drainage System Construction, 97002 - Laboratories-Research, Development or Testing-Other Than Not-For-Profit, 97002 - Laboratories-Research, Development, or Testing-Other Than Not-For-Profit, 97003 - Laboratories-Research, Development or Testing-Not-For-Profit Only, 97003 - Laboratories-Research, Development, or Testing-Not-For-Profit Only, 97221 - Machinery or Equipment-Farm-Installation, Servicing, Repair or Erection, 97222 - Machinery or Equipment-Industrial-Installation, Servicing or Repair, 97222 - Machinery or Equipment-Industrial-Installation, Servicing, or Repair, 97223 - Machinery or Equipment-Installation, Servicing or Repair, 97502 - Solar Energy Systems-Existence Hazard Only (Lessor’s Risk Only), 97503 - Wind Turbines-Existence Hazard Only (Owner-Operated), 97504 - Wind Turbines-Existence Hazard Only (Lessor’s Risk Only), 97650 - Metal Erection-Decorative or Artistic, 97651 - Metal Erection-Frame Structures Iron Work on Outside of Buildings, 97652 - Metal Erection-In the Construction of Dwellings Not Exceeding Two Stories in Height, 97654 - Metal Erection-Steel Lock Gates, Gasholders, Standpipes, Water Towers, Smokestacks, Tanks, Silos, Prison Cells, Fire or Burglarproof Vaults, 98090 - Motion Pictures-Development of Negatives, Printing, and All Subsequent Operations, 98090 - Motion Pictures-Development of Negatives, Printing and All Subsequent Operations, 98091 - Motion Pictures-Film Distribution or Exchanges-Not Located at Motion Picture Studios, 98092 - Motion Pictures-Production-Studios or Outside-All Operations Prior to the Development of Negatives, 98111 - Office Machines or Appliances-Installation, Inspection, Adjustment or Repair, 98111 - Office Machines or Appliances-Installation, Inspection, Adjustment, or Repair, 98150 - Oil or Natural Gas Lease Operations, 98151 - Oil or Gas Lease Operations-Natural Gas-within the Limits of Any Town or City on the Right-Of-Way of Any Railroad, or in Any Ocean, Gulf or Bay, 98152 - Oil or Gas Lease Work by Contractors-Not Lease Operation, 98155 - Oil or Gas Wells-Cleaning or Swabbing by Contractors, 98156 - Oil or Gas Wells-Cleaning or Swabbing by Contractors-within the Limits of Any Town or City, on the Right-of-Way of Any Railroad, or in Any Ocean, Gulf or Bay, 98157 - Oil or Gas Wells-Drilling or Redrilling, Installation or Recovery of Casing, 98158 - Oil or Gas Wells-Drilling or Redrilling, Installation or Recovery of Casing-within the Limits of Any Town or City, on the Right-of-Way of Any Railroad, or in Any Ocean, Gulf, or Bay, 98159 - Oil or Gas Wells-Instrument Logging or Survey Work in Wells, 98160 - Oil or Gas Wells-Perforating of Casing, 98161 - Oil or Gas Wells-Servicing-By Contractors, 98163 - Oil Rig or Derrick Erecting or Dismantling-Wood or Metal, 98257 - Orchards and Vineyards-Operation by Contractors, 98303 - Painting-Exterior-Buildings or Structures-Exceeding Three Stories in Height, 98304 - Painting-Exterior-Buildings or Structures-Three Stories or Less in Height, 98305 - Painting-Interior-Buildings or Structures, 98309 - Painting-Steel Structures or Bridges, 98413 - Pile Driving-Building Foundation Only, 98426 - Pipeline Construction-Slurry-Nonflammable Mixtures, 98430 - Pipelines-Operation-Slurry-Nonflammable Mixtures, 98482 - Plumbing-Commercial and Industrial, 98597 - Radio or TV Broadcasting Stations-Other Than Not-For-Profit, 98598 - Radio or TV Broadcasting Stations-Not-For-Profit Only, 98622 - Railroads-Operation and Maintenance-with BI Passenger Hazard, 98623 - Railroads-Operation and Maintenance-without BI Passenger Hazard, 98624 - Railroads-Shop Operation and Maintenance, 98636 - Refrigeration Systems or Equipment-Dealers and Distributors and Installation, Servicing, or Repair-Commercial, 98640 - Renovating-Outside Surfaces of Buildings, 98677 - Roofing-Commercial or Residential over Three Stories, 98678 - Roofing-Residential-Three Stories and Under, 98699 - Salvage Operations-Removing, Sorting, Reconditioning and Distributing of Merchandise in Damaged Buildings and Incidental Operations Away from Such Buildings, 98806 - Septic Tank Systems-Installation, Servicing or Repair, 98820 - Sewer Mains or Connections Construction, 98993 - Sign Erection, Installation, or Repair, 98993 - Sign Erection, Installation or Repair, 99003 - Sign Painting or Lettering-Inside of Buildings, 99004 - Sign Painting or Lettering-on Buildings or Structures, 99081 - Solar Energy Systems-Existence Hazard Only (Owner-Operated), 99085 - Wind Turbine Contractors-Installation, Service, or Repair-Off-Shore, 99086 - Wind Turbine Contractors-Installation, Service, or Repair-On-Shore, 99111 - Stables-Boarding, Livery or Racing. 58057 - Plastic or Rubber Goods Mfg.-Household, 58058 - Plastic or Rubber Goods Mfg.-Other Than Household, 58301 - Plywood, Veneer or Veneer Products Mfg.-Other, 58302 - Plywood, Veneer or Veneer Products Mfg.-without Log Processing, 58302 - Plywood, Veneer, or Veneer Products Mfg.-without Log Processing, 58408 - Printing-Other Than Not-For-Profit, 58456 - Publishers-Books or Magazines-Other Than Not-For-Profit, 58457 - Publishers-Books or Magazines-Not-For-Profit Only, 58458 - Publishers-Newspapers-Other Than Not-For-Profit, 58459 - Publishers-Newspapers-Not-For-Profit Only. What General Liability Insurance Class Codes are All About: General Liability is the broadest category of insurance, protecting a business from a variety of claims. 60035 - Automobile Renting or Leasing Cos. 61212 - Buildings or Premises-Bank or Office-Mercantile or Mfg. While insurance companies use general liability class codes codes to rate businesses, they are also used to deny coverage too. If they do both Heating AND Air Conditioning work, use 95647 ONLY. SIC: the Standard Industrial Class code, as published by the United States Department of Commerce. ISO CODE ISO CLASSIFICATION DESCRIPTION 10010 Air Conditioning Equip. Hazard Group. Liability insurance rating is based on gross sales for most businesses except for construction, where it is often based on both employee payroll and sub-contractor payments. ISO GL Class Code Description 91125 AIRPORT RUNWAY OR WARMING APRON ­ PAVING OR REPAVING, SURFACING, RESURFACING OR SCRAPING 91127 Alarms & Alarm Systems ­ Installation, Servicing Or Repair 91130 Alarms ­ Security Systems ­ Monitoring 52076 - Detergent Mfg.-Other Than Household, 52134 - Door or Window Mfg.-Other Than Wood, 52342 - Drug, Medicine or Pharmaceutical Preparations Mfg.-for Animal Use, 52343 - Drug, Medicine or Pharmaceutical Preparations Mfg.-Other Than for Animal Use, 52432 - Electrical Equipment Mfg.-Other Than for Direct and Indirect Application to the Body, 52433 - Electrical Equipment Mfg.-for Direct and Indirect Application to the Body. 51250 - Automobile, Bus, and Truck Body Mfg. 58837 - Salt, Borax, Potash or Phosphate-Producing or Refining. How Are General Liability Rates Determined? Insurance companies assign general liability class codes based on company industry and the type of work performed. While visiting your business, a customer trips on a step and is injured. Request a new BETC Report a USSGL Issue FAQs General Ledger and Advisory Branch Stay Up to Date with USSGL. The GL code 96816 is described as Janitorial Services. General liability class codes for commercial insurance. Please use the search field below for any keywords in the desired classification. 58713 - Rolling Mills-Cold or Hot Process. To view the NAICS code list, click the image below. The ISO classification system starts with a 5-digit code that describes the industry of the insured—Manufacturing or Processing (Codes 50000 to 59999), Contracting or Servicing (90000 to 99999), Mercantile (10000 to 19999), Building or Premises—office or space leased to others (60000 to 69999), and Miscellaneous (40000 to 49999).Stated differently, the 5-digit code included on all ISO classifications first tells the insured how the insurer views them in a general manner—that is, whether th… To locate NCCI class codes, click the image below. The authoritative providers for the most common GL rating systems include: NCCI – National Council on Compensation Insurance, NAICS – North American Industry Classification System, SIC – Standard Industrial Classifications. The general liability class code assigned to your business can have a major impact on your insurance rates. GL: ISO’s General Liability code. 57871 - Pencil, Pen, Crayon or Chalk Mfg. The GL code 91560 is described as Concrete Construction. For example, if a residential carpenter (ISO CGL Code 91340) frames a residential house that is faulty and incurs damages, the business is covered. Commercial liability insurance pays damages and can include attorney's fees and other legal expenses. How Much Does Workers Compensation Insurance Cost? What is NAICS Code 541310? - drlrs. (Lessor’s Risk Only)-Maintained by the Insured-Other Than Not-For-Profit, 61218 - Buildings or Premises-Bank or Office-Mercantile or Mfg. Get the best small business insurance quotes online & info on cost, coverage, minimum requirements, certificates & more. Enter a search term or classification code below to begin your search. 59189 - Slate Splitting or Slate Roofing Mfg. 673 The GL code 98820 is described as Sewer Mains or Connections Construction. 56807 - Medical, Dental, Hospital or Surgical Instruments Mfg. Contractors – subcontracted work – in connection with bridge, tunnel or elevated street or highway construction, reconstruction or repair. Each business type faces its own set of risks. Exclusions limit the insurance company’s liability for activities that fall outside of the insured’s classification. We put them all in one place for viewers to easily search and find basic code information. SIC, NAICS, NCCI Class Code cross reference. General liability class codes are numbers that represent small businesses that do similar work and share common hazards. 56758 - Meat, Fish, Poultry or Seafood-Curing, 56759 - Meat, Fish, Poultry or Seafood Processing-In Airtight Containers, 56760 - Meat, Fish, Poultry or Seafood Processing-Not in Airtight Containers, 56805 - Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.-Expendable, 56806 - Medical, Dental, Hospital or Surgical Equipment or Supplies Mfg.-Nonexpendable. See the full classification list here. or Assembling or Reconstruction. The General Liability Classification Guide is a comprehensive tool to help insurance professionals apply correct general liability classifications. 50017 - Abrasives or Abrasive Products Mfg. This information is drawn from NCCI manuals, classification files, Underwriting Committee decision papers, and expert NCCI underwriting interpretations. How Much Does General Liability Insurance Cost? Massachusetts General Liability Insurance, New Hampshire General Liability Insurance, North Carolina General Liability Insurance, South Carolina General Liability Insurance, Washington D.C. General Liability Insurance, West Virginia General Liability Insurance. If however, they incur damages as a result of framing a building that exceeds three stories in height, the business is not covered because this is excluded from that particular GL code. 51926 - Communication or Recording Systems or Equipment Mfg.-Industrial or Commercial, 51927 - Communication or Recording Systems or Equipment Mfg.-Other Than Industrial or Commercial, 51934 - Composition Goods Mfg.-Not Floor Coverings, 51942 - Computer Software Mfg.-Pre-Packaged, 51957 - Concrete or Plaster Products Mfg.-Not Structural, 51958 - Concrete Products Mfg.-Prestressed, 51959 - Concrete Products Mfg.-Structural. This class code lookup guide is to be used as an aid in determining the proper classification for a given operation. General liability class codes are groups of numbers that insurance companies use to classify businesses into categories of risk, to aid them in assigning the appropriate rate, coverages, and exclusions for GL insurance. 51808 - Cement, Concrete Mix or Plaster Mfg.-Packaged, 51850 - Chemical Mfg.-Commercial or Industrial, 51851 - Chemical Mfg.-Commercial or Industrial-Toxic and Either Flammable, Explosive or Reactive, 51852 - Chemical Mfg.-Commercial or Industrial-Primarily Flammable, Explosive or Reactive, 51853 - Chemical Mfg.-Commercial or Industrial-Primarily Toxic or Presenting a Health Hazard, 51854 - Chemical Mfg.-Household-Toxic and Either Flammable, Explosive or Reactive, 51856 - Chemical Mfg.-Household-Primarily Flammable, Explosive or Reactive, 51857 - Chemical Mfg.-Household-Primarily Toxic or Presenting a Health Hazard. Online General Liability Class Codes are shown below (Index only). 10010 - Air Conditioning Equipment-Dealers or Distributors Only, 10036 - Anhydrous Ammonia Dealers and Distributors, 10040 - Appliance Distributors-Household Type, 10065 - Art Galleries-Other Than Not-For-Profit, 10066 - Art Galleries-Not-For-Profit Only, 10070 - Automobile Parts and Supplies Distributors, 10071 - Automobile Parts and Supplies Stores, 10072 - Automobile Quick Lubrication Services, 10073 - Automobile Repair or Service Shops, 10075 - Automobile Repair Shops-Self-Service, 10110 - Boats-Canoes or Rowboats-for Rent-Not Equipped with Motors, 10111 - Barber or Beauty Shop Supplies Distributors, 10115 - Beauty Parlors and Hair Styling Salons, 10117 - Boats-Motor or Sail-Rented to Others, 10130 - Bazaars-Operated by the Insured-Other Than Not-For-Profit, 10132 - Bazaars-Operated by the Insured-Not-For-Profit Only, 10133 - Beach Chairs and Umbrellas-Rented to Others, 10135 - Beaches-Bathing-Commercially Operated, 10140 - Beverage Distributors-Alcoholic Other Than Beer, 10141 - Beverage Distributors-Nonalcoholic and Beer, 10146 - Beverage Stores-Soft Drinks and Beer, 10150 - Bicycle Stores-Sales and Servicing, 10204 - Books and Magazines Stores-Other Than Not-For-Profit, 10205 - Books and Magazines Stores-Not-For-Profit Only, 10255 - Building Material Dealers-Other Than Secondhand Material, 10256 - Building Material Dealers-Secondhand Material, 10309 - Camera and Photographic Equipment Stores, 10315 - Camper or Travel Trailer Sales Agencies, 10331 - Campgrounds-Other Than Not-For-Profit, 10367 - Car Washes-Other Than Self-Service, 10378 - Carnivals-Outside (Sponsor’s Risk Only) Other Than Not-For-Profit, 10379 - Carnivals-Outside (Sponsor’s Risk Only) Not-For-Profit Only, 10380 - Carnivals or Circuses-In Tents (Sponsor’s Risk Only) Other Than Not-For-Profit, 10381 - Carnivals or Circuses-In Tents (Sponsor’s Risk Only) Not-For-Profit Only, 11007 - Carpet, Rug or Upholstery Cleaning-Shop Only, 11007 - Carpet, Rug, or Upholstery Cleaning-Shop Only, 11020 - Catalog or Premium Coupon Redemption Stores, 11126 - Clothing or Wearing Apparel Distributors, 11127 - Clothing or Wearing Apparel Stores-Other Than Not-For-Profit, 11128 - Clothing or Wearing Apparel Stores-Not-For-Profit Only, 11155 - Collectibles and Memorabilia Stores. Below are a few examples of situations in which your business could be protected if you have general liability insurance coverage. To view general liability class codes, scroll down. For example - roofers have very different risks than accountants do. Subscribe. Offers comprehensive descriptions of class codes, cross references, and state special classifications. Full Description & Statistics; What is NAICS Code 454110? 51516 - Bookbinding-Other Than Not-For-Profit, 51550 - Bottle and Jar Mfg.-Glass-Not for Use under Pressure, 51551 - Bottle and Jar Mfg.-Glass-for Use under Pressure-Nonreturnable, 51552 - Bottle and Jar Mfg.-Glass-for Use under Pressure-Returnable, 51553 - Bottle and Jar Mfg.-Plastic-Nonreturnable, 51554 - Bottle and Jar Mfg.-Plastic-Returnable, 51575 - Boxes or Containers Mfg.-Corrugated or Fiberboard, 51625 - Bus Mfg. A lot of general liability classifications rates are determined by the general liability class code, loacation, gross annual sales or annual payroll. This website was made for you. or Assembling, 59926 - Water Bottling-Spring or Well-Not Sparkling or Carbonated, 59927 - Water Bottling-Spring or Well-Sparkling or Carbonated, 59932 - Wax, Wax Products, or Polish Mfg.-Floor. For underwriting purposes, you will need a detailed, accurate, and authoritative guide – the PAAS General Liability Classification Guide. or Assembling-Wood, 53734 - Furniture or Woodwork Stripping, Refinishing or Repairing-Shop Only, 53901 - Gas Mfg.-Toxic and Either Flammable, Explosive or Reactive, 53904 - Gas Mfg.-Primarily Flammable, Explosive or Reactive, 53905 - Gas Mfg.-Primarily Toxic or Presenting a Health Hazard, 55010 - Heating Equipment Mfg.-Coal or Wood, 55012 - Heating Equipment Mfg.-Fuel Oil or Kerosene, 55013 - Heating Equipment Mfg.-Gas or Liquefied Petroleum Gas. ISO's classification system is based on the premise that businesses with similar operations have similar risks and generate similar types of claims. 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