NCCI Class Code

Every workers' compensation policy is rated based on class codes that describe what your employees actually do. For tree service companies, the primary class code is 0106 — "Tree Pruning, Trimming, and Removal & Drivers." This code carries one of the highest base rates in the entire NCCI system because tree work involves climbing, heavy equipment, and chain saw operations — all high-severity exposure.

Class code 0106 typically generates rates between $15 and $40+ per $100 of payroll, depending on the state. That means a tree service with $500,000 in annual payroll could face a manual workers' comp premium of $75,000 to $200,000 before experience modification and schedule credits are applied. This is why EMR management and safety programs are so critical.

If your tree service also performs landscaping, lawn care, or general grounds maintenance, those employees may be classified under a separate code — typically 0042 (landscaping) — which carries a much lower rate. Properly segregating payroll between class codes can significantly reduce your premium. However, if your landscaping crew occasionally runs the chipper or assists with removals, the carrier may reclassify them under 0106. Keep clean records of who does what.

Some states do not use NCCI — Texas, California, New York, New Jersey, Delaware, and Pennsylvania each have their own rating bureaus with equivalent codes. When expanding to new states, verify which class code system applies and confirm your crews are coded correctly from day one.