Summary: ISO developed form IH 00 75 09 09, Computer Systems Coverage, to provide broad coverage for computer equipment, data, and media associated with computer systems. The form can be used in conjunction with CM 00 01 09 04 commercial inland marine conditions form, and IL 00 17 11 98 common policy conditions forms.

When combined, the forms cover computer systems against direct physical loss or damage. The most recent edition of the form has a few minor changes which are highlighted in the appropriate sections.

Topics covered: Introduction

Insuring agreement

Property not covered

Covered causes of loss

Additional coverages

Optional coverage

Exclusions

Limits of insurance

Deductible; additional conditions

Definitions

 Introduction

 Various factors are considered in underwriting a Computer Systems Coverage form IH 00 75 12 02, including the devices used to protect the computer system from loss and location and transit exposures. ISO identifies fire, exposures from other occupancies and buildings, water, smoke and dust, theft, and electricity as the most critical factors to consider with respect to computer system exposures.

 ISO also states that underwriters should evaluate the management of the applicant, paying particular attention to the following: "duplication of data and media; computer room should be locked at all times; computer room should have controlled access; records of maintenance of equipment; records of skill qualifications of personnel maintaining equipment; records of maintenance of protective devices; current status of labor relations; and past loss history."

 Insuring Agreement

 A.Coverage

We will pay for direct physical loss of or damage to Covered Property from any of the Covered Causes of Loss.

1.Covered Property, as used in this Coverage Form, means:

a."Computer Equipment," "Data" and "Media" owned by you; and

b.Similar property of others in your care, custody or control.

 Analysis

 Covered property must suffer direct physical loss or damage from a covered cause of loss for coverage to apply. Computer equipment, data, and media are all defined terms that are discussed in the Definitions section of this article.

 Property Not Covered

 2.Property Not Covered