Commercial General Liability Risk Classes
This dataset provides a comprehensive catalog of commercial general liability risk classes, including classification codes, industry groups, business types, hazard ratings, and premium rates. It enables insurers and brokers to accurately assess, price, and underwrite general liability policies for a wide range of businesses, supporting risk analysis and regulatory compliance.
Sample rows
preview · 8 of 1,000 rows · all 11 columns| risk_class_codestring | rate_basisstring | base_premium_ratefloat | is_excludedboolean | industry_groupstring | business_typestring | hazard_ratinginteger | coverage_limit_minfloat | coverage_limit_maxfloat | operations_descriptionstring | notesstring |
|---|---|---|---|---|---|---|---|---|---|---|
| TEC101 | per $1,000 payroll | 0.22 | false | Technology | Software Developer | 2 | 12000 | 450000 | Development, testing, and deployment of software applications for clients or internal use. Includes remote work, code review, and occasional onsite meetings. | Low physical risk; cyber liability coverage recommended; remote work protocols apply. |
| CON104 | per $1,000 payroll | 7.12 | false | Construction | Roofing Contractor | 9 | 65000 | 4500000 | Installation and repair of commercial and residential roofs, including use of ladders and power tools, and work at elevated heights. | High risk due to work at heights; requires safety audits and additional liability waivers. |
| RET107 | per $1,000 payroll | 1.14 | false | Retail | Clothing Store | 4 | 21000 | 1200000 | Sales of clothing and accessories to customers in a retail setting; includes inventory management and customer service. | Standard retail risk; focus on theft prevention and customer safety training. |
| HOS109 | per $1,000 payroll | 1.44 | false | Hospitality | Hotel | 5 | 27000 | 2000000 | Operation of a hotel, including guest services, housekeeping, and food service; may include event hosting and recreational facilities. | Requires compliance with fire safety codes; annual inspections recommended. |
| AGR112 | per $1,000 payroll | 2.85 | false | Agriculture | Crop Farm | 7 | 30000 | 1800000 | Production and harvesting of crops on agricultural land; includes use of machinery and seasonal labor. | Seasonal risk increases; machinery safety protocols required. |
| EDU115 | per $1,000 payroll | 0.31 | false | Education | Private School | 2 | 8000 | 250000 | Operation of a private educational institution for students; includes classroom instruction, extracurricular activities, and field trips. | Low hazard; emphasis on compliance and student safety protocols. |
| MFG117 | per $1,000 payroll | 8.36 | false | Manufacturing | Chemical Plant | 10 | 95000 | 15000000 | Manufacture and processing of industrial chemicals; includes handling hazardous substances and operation of heavy machinery. | Special liability requirements; environmental safety audits mandatory. |
| AUT120 | per $1,000 payroll | 1.27 | false | Automotive | Auto Repair Shop | 5 | 26000 | 1500000 | Repair and maintenance of vehicles, including use of lifts, tools, and hazardous materials. | Requires compliance with hazardous waste disposal and fire prevention. |
| FOD123 | per $1,000 payroll | 2.11 | false | Food Service | Restaurant | 6 | 34000 | 1300000 | Preparation and service of food and beverages to customers; includes kitchen operations, food handling, and customer service. | Requires food safety compliance and staff training on fire prevention. |
| LOG125 | per $1,000 payroll | 1.39 | false | Logistics | Warehouse Logistics | 5 | 29000 | 1800000 | Storage and distribution of goods in warehouse facilities; includes forklift operation and inventory management. | Safety protocols for heavy equipment; worker training essential. |
| FIN128 | per $1,000 payroll | 0.11 | false | Financial | Insurance Agency | 1 | 7000 | 210000 | Provision of insurance advisory and sales services; primarily office-based with occasional client visits. | Minimal physical risk; adherence to compliance and data privacy required. |
| SPR130 | per $1,000 payroll | 4.11 | false | Sports & Recreation | Gym/Fitness Center | 8 | 52000 | 3200000 | Operation of a fitness center with exercise equipment, personal training, and group classes; includes risk of injury. | Waivers required for members; regular equipment inspections. |
| CAU133 | per $1,000 sales | 0.29 | false | Arts & Culture | Art Gallery | 2 | 9000 | 520000 | Exhibition and sale of artwork; includes hosting events and managing valuable inventory. | Includes coverage for art theft and event liability. |
| PUB136 | per $1,000 payroll | 1.19 | false | Public Sector | Municipal Office | 4 | 21000 | 1150000 | Operation of government office facilities; includes administrative work and public interaction. | Requires compliance with public safety regulations. |
| FRA139 | per $1,000 payroll | 3.29 | false | Franchise | Fast Food Outlet | 7 | 37000 | 2100000 | Operation of a franchised fast food restaurant; includes food preparation, drive-thru service, and cleaning. | Requires food safety compliance and staff training on fire prevention. |
| ENT142 | other | 0 | true | Entertainment | Nightclub | 10 | blank | blank | Operation of a nightclub with live music, alcohol service, and dance floor; high occupancy and late hours. | Explicit exclusion; refer to surplus lines market for coverage. |
| CON143 | per $1,000 payroll | 2.23 | false | Construction | Plumbing Contractor | 7 | 32000 | 1400000 | Installation and repair of plumbing systems in residential and commercial properties; includes excavation and pipe fitting. | Requires licensing and compliance with building codes. |
| TEC146 | per $1,000 payroll | 0.16 | false | Technology | IT Consulting | 2 | 10000 | 390000 | Provision of information technology consulting and support services; includes systems integration and cybersecurity projects. | Low hazard; includes cyber liability coverage. |
| SPR149 | per $1,000 payroll | 5.78 | false | Sports & Recreation | Swimming Pool Facility | 8 | 72000 | 4100000 | Operation of a public or private swimming pool; includes lifeguard services, pool maintenance, and swim lessons. | Requires lifeguard certification and water safety protocols. |
| RET152 | per $1,000 payroll | 1.21 | false | Retail | Electronics Store | 4 | 22000 | 1200000 | Sales of consumer electronics and accessories; includes inventory storage and customer service. | Emphasis on theft prevention and employee training. |
What the 1,000 rows show
from the 1,000-row samplePer $1,000 payroll (rate basis) stands out: mean base_
- 5%is_
excluded = true - 1.4median base_
premium_ rate - 5median hazard_
rating - 26,000median coverage_
limit_ min - 955,000median coverage_
limit_ max
Median 1.4, from 0.0 to 8.9.
- string 6
- integer 1
- float 3
- boolean 1
Columns
11 columns in three groups| column | type | description | example |
|---|---|---|---|
| Text 6 columns | |||
risk_class_code | string | Unique code identifying the commercial general liability risk classunique | TEC101 |
industry_group | string | Industry group or sector associated with the risk class (e.g., Retail, Construction, Hospitality) | Technology |
business_type | string | Specific business type or operation covered by the risk class (e.g., Restaurant, Plumbing Contractor) | Software Developer |
operations_description | string | Detailed description of the business operations and activities for this risk class | Development, testing, and… |
rate_basis | string | Basis for calculating the premium rate (e.g., per $1,000 payroll, per unit, per sales volume)per $1,000 payroll · per $1,000 sales · per unit · other | per $1,000 payroll |
notes | string | Additional notes, underwriting guidelines, or exceptions for this risk classoptional | Low physical risk; cyber … |
| Numbers 4 columns | |||
hazard_rating | integer | Numeric hazard rating indicating the relative risk level (e.g., 1 = lowest, 10 = highest)1 to 10 | 2 |
base_premium_rate | float | Base premium rate for the risk class, typically per $1,000 of exposure or payroll0 or more | 0.22 |
coverage_limit_min | float | Minimum coverage limit available for this risk class (in USD)0 or more · optional | 12000 |
coverage_limit_max | float | Maximum coverage limit available for this risk class (in USD)0 or more · optional | 450000 |
| True or false 1 column | |||
is_excluded | boolean | Indicates if this risk class is excluded from coverage by default | false |
Use it for
An insurance dashboard
The is_
excluded rate, base_ premium_ rate by rate_ basis and a breakdown of industry_ group. Excel, Power BI or Tableau. Why do the 906 per $1,000 payroll rows have a mean base_
premium_ rate of 2.5? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Risk class codes1,000TEC1010.22per $1,0…ENT1420otherENT1890other
A software demo
Believable risk class codes with industry_
group, business_ type and operations_ description to fill a screen in front of a buyer.
This dataset1,000 rows11 columns
Yours10,000 rows11 columns
blueprint · commercial-general-liability-risk-classes
Behind this dataset
Same schema. As many rows as you need.
These 1,000 rows came out of a blueprint — 11 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
Rules it was built with
- ISO classification codes or proprietary classes
- Industry/operations description
- Hazard group: low, medium, high, prohibited
- Rating basis: sales, payroll, area, units
- Base rate per $1,000 of exposure
- Products vs completed operations hazards
- Liquor liability for bars/restaurants
- Professional services excluded, need separate E&O
Open the blueprint in Data Factory
1 credit per row. New accounts start with 25 free credits.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- commercial-general-liability-risk-classes