Tree Pruning, Dusting, Spraying, Repairing, Trimming or Fumigating

What Does GL Code 99777 Cover?

ISO GL class code 99777 covers businesses engaged in tree pruning, dusting, spraying, repairing, trimming, or fumigating. This code specifically classifies operations related to the care and maintenance of trees, including services that enhance tree health, appearance, or manage pests and diseases. It is applied to contractors whose primary work involves these specialized tree care activities.

Who Uses This Class Code?

Specific business types that fall under this code include professional arborists, tree trimming services, tree care companies, landscape maintenance businesses offering tree services, and pest control operators specializing in tree fumigation or spraying.

Common GL Claims for This Class

Common GL claims for tree service businesses include property damage caused by falling trees or branches onto structures, vehicles, or landscaping during removal or trimming operations. Another frequent claim involves bodily injury to third parties from falling debris or equipment during tree care activities.

Coverage Tips for Code 99777

• Ensure accurate reporting of gross receipts for premium calculation, as underreporting can lead to significant audit penalties.
• Verify that your policy includes coverage for property damage to third-party property caused by falling trees or branches during operations.
• Consider professional liability (Errors & Omissions) coverage if you provide expert advice on tree health or removal, as GL policies typically exclude professional advice.
• Always confirm that your subcontractors carry their own General Liability insurance and name your business as an additional insured to prevent coverage gaps.