Fumigating

What Does GL Code 43860 Cover?

ISO GL class code 43860 covers businesses engaged in fumigating operations, which involve using gaseous pesticides to control pests in structures, commodities, or soil. This class includes the application of fumigants for pest eradication, often requiring specialized equipment and strict safety protocols due to the hazardous nature of the chemicals involved. It encompasses both structural and commodity fumigation services.

Who Uses This Class Code?

This code applies to professional fumigators, pest control companies specializing in gas-based treatments, agricultural fumigation services for stored grains or produce, and structural fumigation contractors for residential and commercial buildings. Businesses performing tent fumigation for termites or other infestations would fall under this classification.

Common GL Claims for This Class

Common claims include property damage due to improper ventilation or chemical residue, bodily injury from accidental exposure to fumigants, and damage to commodities or structures from incorrect application or concentration of gases. Claims might also arise from the spread of pests if fumigation is ineffective.

Coverage Tips for Code 43860

• Ensure your General Liability policy includes coverage for pollution liability arising from the release of fumigants, as standard GL policies often exclude this.
• Verify that your policy specifically covers damage to property in your care, custody, or control, as fumigation often involves working within client structures.
• Maintain meticulous records of all fumigation activities, including chemicals used, safety procedures, and client acknowledgments, to aid in audit defense and claim substantiation.
• Confirm your Florida pest control license, specifically for fumigation, is current with the Florida Department of Agriculture and Consumer Services (FDACS) to avoid coverage invalidation.