General liability classification codes are numbers that insurance companies use to put businesses into categories of risk. These ISO CGL codes help commercial insurers to underwrite & match premiums with exposures – which are used to determine your rates.

How do I find my 6 digit Naics code?

Go to and at the top highlight “Business” and click on “NAICS”. They have a section called “Ask Dr. NAICS” at that location. You can Call or E-mail them with your questions.

What is a class code for insurance?

Class codes, also called classification codes or workers’ comp classification codes, are three- or four-digit codes that insurance companies use to estimate rates. Codes are based on the risks associated with each type of work an employee performs.

What are class codes for general liability insurance?

General liability class codes enable insurance companies to group insureds based on the type of work being performed and to collect statistical data affecting how they will underwrite that line of business. Lookup general liability class codes. View online index of GL class codes. Learn how businesses are classified to general liability codes.

Why do insurance companies assign you a General Liability Code?

Insurance companies assign you a code based on your industry – with the assumption that different types of businesses are vulnerable to various kinds and degrees of risk. General liability classification codes allow insurers to group customers based on the type of work being performed.

What is the ISO code for general liability?

Each of the general liability classification codes has a different premium basis. A computer data processor (ISO CGL Code 43151) is has less risk of bodily injury or property damage, where a roofer doing work over three stories (ISO CGL Code 98677) is more likely to cause damage or injury.

What’s the class code for a CGL policy?

If your business has ever purchased a commercial general liability policy, then you’ve probably come across a general liability class code that was assigned to your business. What you might not have known is that the class code that was assigned to your business had a very real impact on how much you ended up paying for your CGL policy.