Computer Stores

What Does GL Code 11160 Cover?

ISO GL class code 11160 covers retail establishments primarily engaged in selling new and used computers, computer peripherals, software, and related accessories. This class also includes businesses that offer computer repair services, technical support, and network setup for their customers. Operations typically involve sales floor activities, inventory management, and on-site service calls.

Who Uses This Class Code?

Businesses classified under this code include computer retail stores, electronics shops specializing in computing devices, software retailers, and computer repair shops that also sell hardware. Examples are local computer stores, independent PC builders, and small electronics boutiques.

Common GL Claims for This Class

Common GL claims for computer stores include slip-and-fall incidents on the sales floor, property damage during on-site repair or installation at a customer's location, and bodily injury from falling merchandise or equipment.

Coverage Tips for Code 11160

• Ensure your general liability policy includes coverage for products-completed operations, as claims can arise from faulty equipment sold or services rendered after the sale.
• Verify that your property insurance adequately covers high-value inventory, including computers and components, against theft, fire, and water damage.
• Consider cyber liability insurance to protect against data breaches, ransomware attacks, and other cyber incidents, especially if you handle customer data or offer IT services.
• If offering on-site repair or installation, confirm your policy extends coverage for off-premises work and potential damage to customer property.