Computer Consulting or Programming

What Does GL Code 41675 Cover?

ISO GL class code 41675 covers businesses primarily engaged in providing computer consulting or programming services to clients. This includes a wide range of activities from system design and software development to network integration and data processing consultation. The code classifies operations where the primary exposure is professional advice and technical expertise rather than physical products or manufacturing.

Who Uses This Class Code?

This code applies to IT consultants, software developers, network architects, data analysts, cybersecurity consultants, and independent programmers. Businesses such as custom software development firms, IT advisory services, and managed service providers (MSPs) would typically fall under this classification.

Common GL Claims for This Class

Common GL claims for computer consulting firms include property damage caused by technicians during on-site visits (e.g., spilling coffee on client equipment) or bodily injury to a third party at the consultant's office. Professional liability claims, often mistaken for GL, typically involve financial losses due to software errors, system failures, or inadequate advice.

Coverage Tips for Code 41675

• Ensure your General Liability policy is complemented by a robust Errors and Omissions (E&O) or Professional Liability policy, as GL typically excludes claims arising from professional advice or service failures.
• Carefully review contracts with clients to understand liability limitations and indemnification clauses, ensuring they align with your insurance coverage.
• For any work involving client data, verify your policy includes Cyber Liability coverage to protect against data breaches, network security failures, and privacy violations.
• If utilizing subcontractors, require them to carry their own General Liability and E&O insurance, naming your firm as an additional insured to prevent coverage gaps.