Commercial General Liability (CGL) class code 95124 is for Furniture or Fixture Installation--Portable--Metal or Wood. This code covers businesses that install portable furniture or fixtures made of metal or wood. The code includes the following activities:
- Installing desks
- Installing chairs
- Installing tables
- Installing shelving
- Installing other types of portable furniture or fixtures
CGL insurance provides coverage for bodily injury, property damage, and advertising injury claims arising out of the insured's business activities. Class code 95124 is a general liability code, so it does not cover all of the risks associated with installing portable furniture or fixtures. For example, this code does not cover the following risks:
- Damage to furniture or fixtures 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 portable furniture or fixtures 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 portable furniture or fixture installation company:
- The types of furniture or fixtures the company installs
- The locations where the company installs furniture or fixtures
- The types of materials the company uses to install furniture or fixtures
- The company's safety record
- The company's financial stability
By carefully considering these factors, businesses in the portable furniture or fixture installation industry can purchase CGL insurance that meets their needs and provides the protection they need.