Copying and Duplicating Services--Retail

What Does GL Code 11222 Cover?

ISO GL class code 11222 covers retail businesses primarily engaged in providing copying and duplicating services to the public. This classification includes operations such as document reproduction, digital printing, and other related services offered directly to consumers or other businesses on a retail basis. It encompasses the general liability exposures associated with customer interactions, equipment operation, and the handling of client documents.

Who Uses This Class Code?

This code applies to various retail establishments including copy shops, print-on-demand stores, document duplication centers, and businesses offering self-service copying machines. Specific examples include local print shops, university copy centers, and commercial duplicating services that cater to walk-in customers.

Common GL Claims for This Class

Common GL claims for copying services include property damage to customer documents or materials while being processed, bodily injury from slips and falls on the premises, and advertising injury claims such as copyright infringement related to duplicated content.

Coverage Tips for Code 11222

• Ensure your General Liability policy doesn't exclude coverage for damage to customers' documents or materials while they are in your possession for copying or duplicating.
• Consider adding Professional Liability (Errors & Omissions) coverage, as GL policies typically exclude claims arising from errors in duplicating documents, such as incorrect collating or missing pages.
• Verify that your policy includes coverage for advertising injury, protecting against claims like copyright infringement if you inadvertently copy protected material.
• In Florida, review your lease agreements carefully, as some landlords may require specific GL limits or additional insured endorsements for retail service businesses.