Commercial General Liability (CGL) class code 91200 is for Blacksmithing. This code covers businesses that create, repair, or modify metal objects by hand or with power tools. The code includes the following activities:
- Forging
- Shaping
- Welding
- Grinding
- Polishing
- Finishing
- Heat treating
- Annealing
CGL insurance provides coverage for bodily injury, property damage, and advertising injury claims arising out of the insured's business activities. Class code 91200 is a general liability code, so it does not cover all of the risks associated with blacksmithing. For example, this code does not cover the following risks:
- 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 engage in blacksmithing should carefully consider their insurance needs and purchase an appropriate policy. Here are some of the things to consider when purchasing CGL insurance for a blacksmithing company:
- The types of metal objects the company creates, repairs, or modifies
- The locations where the company creates, repairs, or modifies metal objects
- The types of materials the company uses to create, repair, or modify metal objects
- The company's safety record
- The company's financial stability
By carefully considering these factors, businesses in the blacksmithing industry can purchase CGL insurance that meets their needs and provides the protection they need.