Computer Data Processing--Operations

What Does GL Code 43151 Cover?

ISO GL class code 43151 covers businesses primarily engaged in computer data processing operations, including data entry, data conversion, data storage, and batch processing services. This code applies to entities that process customer-provided data without significant modification or analysis, focusing on the mechanical aspects of data handling. It classifies operations where the core service is the manipulation and management of digital information for others.

Who Uses This Class Code?

Businesses that fall under this code include data entry services, data conversion bureaus, electronic data interchange (EDI) providers, data storage facilities, and companies offering batch processing for payroll or billing. Specific examples are firms providing outsourced data capture, document scanning, and archival services.

Common GL Claims for This Class

Common claims for data processing businesses include general liability claims arising from property damage to client equipment during service, or bodily injury occurring on the business premises. More specific to the industry, claims often involve allegations of data loss, corruption, or unauthorized access due to operational errors, though these typically fall under professional liability or cyber policies.

Coverage Tips for Code 43151

• Ensure your policy includes coverage for data loss or corruption, as this is a primary exposure for data processing businesses.
• Review your contracts with clients to understand liability limitations and ensure your insurance coverage aligns with these agreements.
• Consider a separate Cyber Liability policy to address breaches, ransomware, and other cyber-related incidents, as GL policies typically exclude these.
• In Florida, verify that any physical data storage facilities comply with state-specific data security and privacy regulations, which can impact liability and coverage terms.