Internet Service Providers

What Does GL Code 47610 Cover?

ISO GL class code 47610 covers Internet Service Providers (ISPs) that offer internet access, data transmission, and related services to residential and commercial customers. This code classifies businesses involved in operating network infrastructure, managing data traffic, and providing technical support for internet connectivity. It primarily addresses the general liability exposures associated with their physical operations and interactions with the public.

Who Uses This Class Code?

This code is applicable to a range of businesses including broadband internet providers, fiber optic network operators, satellite internet services, and wireless internet service providers (WISPs). It also encompasses companies that provide internet access as a core part of their service offering, such as certain web hosting companies or managed IT service providers.

Common GL Claims for This Class

Common GL claims for ISPs include property damage caused during the installation or repair of lines and equipment on customer premises, and bodily injury to third parties occurring at company facilities or during field operations.

Coverage Tips for Code 47610

• Secure robust cyber liability insurance to cover data breaches, network security failures, and privacy violations, which are critical exposures for ISPs.
• Ensure your general liability policy includes coverage for property damage during installation or repair of network infrastructure on customer premises.
• Review your contracts and service level agreements (SLAs) to understand potential contractual liability and ensure your insurance aligns with these obligations.
• Maintain accurate records of gross receipts for audit purposes, as this is the basis for premium calculation for this class code.