Commercial General Liability (CGL) class code 91150 is for Appliances and Accessories--Installation, Servicing or Repair--Commercial. This code covers businesses that install, service, or repair appliances and accessories for commercial use. The code includes the following activities:
- Installing appliances and accessories
- Servicing appliances and accessories
- Repairing appliances and accessories
CGL insurance provides coverage for bodily injury, property damage, and advertising injury claims arising out of the insured's business activities. Class code 91150 is a general liability code, so it does not cover all of the risks associated with installing, servicing, or repairing appliances and accessories. For example, this code does not cover the following risks:
- Damage to appliances and accessories caused by improper installation, service, or repair
- Damage to property caused by the release of hazardous materials
- Bodily injury or property damage caused by explosions or fires
- Bodily injury or property damage caused by the use of radioactive materials
Businesses that install, service, or repair appliances and accessories for commercial use should carefully consider their insurance needs and purchase an appropriate policy. Here are some of the things to consider when purchasing CGL insurance for an appliance and accessory repair company:
- The types of appliances and accessories the company installs, services, or repairs
- The locations where the company installs, services, or repairs appliances and accessories
- The types of materials the company uses to install, service, or repair appliances and accessories
- The company's safety record
- The company's financial stability
By carefully considering these factors, businesses in the appliance and accessory repair industry can purchase CGL insurance that meets their needs and provides the protection they need.