Commercial General Liability (CGL) class code 94569 is for Floor Covering Installation--Not Ceramic Tile or Stone. This code covers businesses that install floor coverings other than ceramic tile or stone. The code includes the following activities:
  • Installing carpeting
  • Installing laminate flooring
  • Installing hardwood flooring
  • Installing vinyl flooring
  • Installing other types of floor coverings
CGL insurance provides coverage for bodily injury, property damage, and advertising injury claims arising out of the insured's business activities. Class code 94569 is a general liability code, so it does not cover all of the risks associated with installing floor coverings. For example, this code does not cover the following risks:
  • Damage to floor coverings caused by improper installation
  • 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 floor coverings 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 floor covering installation company:
  • The types of floor coverings the company installs
  • The locations where the company installs floor coverings
  • The types of materials the company uses to install floor coverings
  • The company's safety record
  • The company's financial stability
By carefully considering these factors, businesses in the floor covering installation industry can purchase CGL insurance that meets their needs and provides the protection they need.