Mailing or Addressing Services

What Does GL Code 45937 Cover?

ISO GL class code 45937 specifically covers businesses engaged in mailing and addressing services. This includes operations such as direct mail preparation, bulk mailing, letter shop services, and database management for mailing lists. The code classifies companies that handle the physical preparation and distribution of mail, often involving sorting, inserting, labeling, and postal optimization.

Who Uses This Class Code?

Businesses falling under this classification include direct mail houses, letter shops, bulk mail preparation services, addressing and labeling companies, and firms specializing in mailing list management and fulfillment. This also encompasses companies that provide print-to-mail solutions and those offering comprehensive direct marketing support.

Common GL Claims for This Class

Common claims for mailing services include property damage to client materials while in transit or during processing, such as spoilage or loss of printed goods. Additionally, claims can arise from misdirected mail causing financial loss to clients, or data breaches if client mailing lists are compromised.

Coverage Tips for Code 45937

• Ensure your General Liability policy includes coverage for "Care, Custody, or Control" if you handle client property like printed materials or valuable data, as standard policies often exclude this.
• Review your policy for "Errors and Omissions" (E&O) coverage, also known as Professional Liability, which is crucial for claims arising from incorrect addressing, missed deadlines, or data breaches related to mailing lists.
• Verify that your policy covers "Personal and Advertising Injury" to protect against claims of libel, slander, or copyright infringement that could arise from client-provided content in mailings.
• Understand that many mailing services utilize temporary or seasonal employees; confirm your workers' compensation policy accurately reflects your fluctuating payroll to avoid audit discrepancies.