Snow & Ice Removal--Contractor

What Does GL Code 99310 Cover?

ISO GL class code 99310 covers contractors primarily engaged in the removal of snow and ice from commercial and residential properties. This includes operations such as plowing, shoveling, de-icing, and salting services. The code classifies businesses that manage winter weather hazards to ensure safe access and egress.

Who Uses This Class Code?

Independent snowplow operators, commercial snow removal companies, property maintenance firms offering winter services, and landscape contractors who provide seasonal snow and ice management.

Common GL Claims for This Class

Common claims include slip-and-fall incidents due to inadequate snow or ice removal, property damage caused by plowing equipment (e.g., damage to landscaping, curbs, or vehicles), and environmental damage from excessive or improper application of de-icing agents.

Coverage Tips for Code 99310

• Ensure your contracts clearly define the scope of work, including trigger depths for plowing and specific de-icing protocols, to mitigate liability.
• Verify that your General Liability policy includes coverage for 'completed operations' as many claims arise after the snow or ice event has passed and a slip-and-fall occurs.
• Maintain detailed records of services performed, including dates, times, weather conditions, and materials used, as this documentation is crucial for defending against claims.
• Review your policy for exclusions related to property damage caused by plowing equipment or de-icing chemicals, and consider obtaining specific endorsements if necessary.