Computer Service or Repair

What Does GL Code 91555 Cover?

ISO GL class code 91555 covers businesses engaged in computer service and repair, including diagnostics, maintenance, and physical repair of computer hardware and peripherals. This class code applies to operations performed at a business's premises, a client's location, or through remote support, addressing potential bodily injury or property damage arising from these services.

Who Uses This Class Code?

This code is applicable to computer repair shops, IT support services, independent computer technicians, data recovery specialists, and businesses offering on-site or remote computer troubleshooting and maintenance.

Common GL Claims for This Class

Common GL claims for computer service and repair businesses include accidental damage to a client's property during on-site repairs, such as spilling liquids on a desk or dropping a piece of equipment. Other claims can arise from a customer tripping over cables in the repair shop or a technician causing physical damage to a client's computer during a repair.

Coverage Tips for Code 91555

• Ensure your General Liability policy includes coverage for damage to property in your care, custody, or control (Bailee's coverage) as you handle client equipment.
• Professional Liability (Errors & Omissions) insurance is crucial to cover claims arising from advice, service, or software errors that lead to client financial loss or data corruption.
• Review your policy for cyber liability coverage, as handling client data exposes your business to risks of data breaches and cyberattacks.
• If you use subcontractors for specialized repairs, ensure they carry their own General Liability and name your business as an additional insured to prevent coverage gaps.