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Touchstone Exposure Data Validation Reference
Touchstone Exposure Data Validation Reference
The detailed information in the Touchstone Exposure Data Validation Reference will help you maximize your success when importing and adding exposure data into Touchstone.
Exposure Data Validation Reference
Reference: exposure data
Touchstone construction and occupancy class codes
The construction and occupancy class codes that you assign to each exposure have an impact on Touchstone analysis results.
Touchstone occupancy class codes
The primary codes for occupancy classes define the type of activity carried out in the risks included in a record. Touchstone support for occupancy classes varies by country/region. Use the best possible occupancy class code from the appropriate list of occupancy class codes for a particular country or region.
Occupancy class codes supported by Touchstone
Touchstone supports the following occupancy class codes.
Utility occupancy codes
Touchstone supports the following utility occupancy class codes.

UNICEDE/2 Reference
UNICEDE/2 information enables primary insurers and their treaty reinsurers to exchange aggregate sums insured, risk count, payroll and premium data in a format that you can import easily.
Touchstone Exposure Data Validation Reference
- Touchstone and UNICEDE
  Verisk provides a public reference to support the validation of UNICEDE-format exposure data in Touchstone.
- What's new
- Revision history
  Summary of the change history for the Touchstone Exposure Data Validation Reference since its initial release.
- Touchstone Exposure Data Validation Reference
  The detailed information in the Touchstone Exposure Data Validation Reference will help you maximize your success when importing and adding exposure data into Touchstone.
  - Exposure Data Validation Reference
    - Validation rules for exposure data
      Validation rules that Touchstone applies during import.
    - Reference: exposure data
      - Financial terms
        When working with policy terms in Touchstone, it is important to understand the financial terms that are supported and the combinations of the financial terms that are valid for running detailed loss analyses.
      - Currency codes
        Currency codes supported by Touchstone during import.
      - Peril codes
        Perils affect risks and losses associated with Touchstone exposures.
      - ISO country codes
        Touchstone supports ISO 2-character country codes.
      - CRESTA and area codes
        CRESTA and area codes supported by Touchstone.
      - Touchstone construction and occupancy class codes
        The construction and occupancy class codes that you assign to each exposure have an impact on Touchstone analysis results.
        Unknown construction / unknown occupancy combinations
        Construction and occupancy codes to used to represent cases in which the construction class and/or unknown occupancy type are unknown.
        Behavior for invalid construction / occupancy class codes
        This topic describes how Touchstone handles import of invalid construction / occupancy class codes.
        Touchstone construction class codes
        Construction class codes help to determine the vulnerability of your risks to various perils. Touchstone provides a set of construction class codes that you use to describe the building material and/or type of construction used in your risks. Support for construction classes varies by country/region.
        Touchstone occupancy class codes
        The primary codes for occupancy classes define the type of activity carried out in the risks included in a record. Touchstone support for occupancy classes varies by country/region. Use the best possible occupancy class code from the appropriate list of occupancy class codes for a particular country or region.
        Using occupancy class codes
        Use the following information to understand how to choose occupancy class codes.
        Occupancy class codes supported by Touchstone
        Touchstone supports the following occupancy class codes.
        Commercial occupancy codes
        Touchstone supports the following commercial occupancy class codes.
        Education occupancy codes
        Touchstone supports the following education occupancy class codes.
        Industrial facility occupancy codes
        Touchstone supports the following industrial facility occupancy class codes.
        Industrial occupancy codes
        Touchstone supports the following industrial occupancy class codes.
        Marine cargo occupancy codes
        Touchstone 9.0 and later support occupancy codes for marine cargo occupancies.
        Mercantile occupancy codes
        Touchstone supports the following mercantile occupancy class codes.
        Miscellaneous occupancy codes
        Touchstone supports the following miscellaneous occupancy class codes.
        Offshore asset occupancy codes
        Touchstone supports the following offshore asset occupancy class codes.
        Public occupancy codes
        Touchstone supports the following public occupancy class codes.
        Residential occupancy codes
        Touchstone supports the following residential occupancy class codes.
        Restaurant occupancy code
        Touchstone supports the following restaurant occupancy class code.
        Solar occupancy codes
        Solar occupancy codes supported in Touchstone 2025 for the Verisk Severe Thunderstorm Model for the United States.
        Transportation occupancy codes
        Touchstone supports the following transportation occupancy class codes.
        Unknown occupancy codes
        Touchstone supports the following unknown occupancy class code.
        Utility occupancy codes
        Touchstone supports the following utility occupancy class codes.
        Occupancy class codes by country/region
        Touchstone support for construction classes varies by country/region as well as by model.
      - Workers' Compensation
  - Earlier Versions: Exposure Data Validation Reference

Utility occupancy codes

Touchstone supports the following utility occupancy class codes.

Note: For information about supported codes and limitations for specific models, refer to the model documentation that is available on the Client Portal.


Occupancy code	Category	SIC2-digit	Description
361	Electrical Utilities	49	Establishments engaged in the generation, transmission, and/or distribution of electric energy for sale. Includes electric power generation, transmission, or distribution.
362	Water Utilities	49	Establishments primarily engaged in distributing water for sale for domestic, commercial, and industrial use.
363	Sanitary Sewer	49	Establishments primarily engaged in the collection and disposal of wastes conducted through a sewer system, including such treatment processes as may be provided and establishments primarily engaged in the collection and disposal of refuse by processing or destruction or in the operation of incinerators, waste treatment plants, landfills, or other sites for disposal of such materials.
364	Natural Gas	49	Establishments engaged in the transmission and distribution and/or storage of natural gas for sale.
365	Telephone and Telegraph	48	Establishments primarily engaged in providing paging and beeper services and those engaged in leasing telephone lines or other methods of telephone transmission, such as optical fiber lines and microwave or satellite facilities, as well as reselling the use of such methods to others.