Arborist Insurance
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Arborist Insurance
What it is
Arborist Insurance offers protection and helps reduce risks to any company involved in the cutting, skidding, processing, or loading of trees & logs onto trucks or rail cars as well as companies that work on or around lumber yards.
Arborist Insurance
Who needs it
Regardless of whether you have a small tree trimming operation or a large crew of pruners, arborists, and tree care professionals, there are numerous professions that require the right types of arborist insurance coverage. These include:
- Arborists
- Deforesters
- Clear Cutters
- Hardscaping Professionals
- Insect Control
- Landscape Gardening Professionals
- Log Trucks
- Lumber Yards
- Municipal Tree Care Professionals
- Saw Mills
- Tree Pest Management Specialists
- Tree Removal Specialists
- Tree Trimmers & Pruners
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Arborist Insurance
Recommended Insurance Policies
- Commercial Auto: Ensures vehicles used to travel to job sites or carry supplies are coverages for property damage and bodily injury liability, collision and comprehensive coverage, uninsured/under-insured motorists and more.
- Commercial General Liability: Provides financial protection against claims of bodily injury or property damage for which your business could be held responsible.
- Workers’ Compensation: Covers employees’ medical costs and a portion of their lost wages in case of operational injury or workplace illness
- Inland Marine Insurance: Provides protection for assets that are moveable or involved in transport, and/or the transfer of information.
- Commercial Property Insurance: Provides coverage to physical property, equipment and supplies—and is essential in protecting your assets.
- Commercial Umbrella: Extra liability coverage that sits on top of your primary commercial insurances.
Arborist Insurance
Why you need it
Whether you focus on land clearing, disease management and diagnostics, insect control, trimming and pruning, or all of the above, many risks come with working with trees. Arborists, tree trimmers, and landscapers face a broad range of risks including:
- Damage to theirs and others property and utility lines from tree trimming, tree removals, and lawn maintenance;
- Damage to their personal/company cars or trucks; and
- Theft/damage to expensive tools and equipment.
Additionally, these projects typically require dangerous chemicals, pesticides, and herbicides that can expose your business to health risks.
Arborist Insurance
What it covers
Arborists, tree trimmers, and others who work with trees and their removal or processing utilize specialty tools and work on mitigating risk for themselves and people and property around them. Arborist and tree trimming insurance covers:
- Damage to property
- Injury to others due to negligence, equipment malfunction, or use of toxic substances
- Loss, damage, or theft of tools, equipment, or vehicles
- Job-related injury or illness
- Accidents that may occur while driving commercial vehicles
Arborist Insurance
Commercial vs. Residential
Commercial:If your tree trimming/tree removal business has commercial contracts, it’s probable you will need an umbrella liability policy to satisfy the contract’s terms and conditions. If it’s not a requirement, it’s still good to consider.
There are more cars, more foot traffic, more buildings around a large commercial property, and therefore a greater risk for something significant to go wrong and lead to a large claim. We typically recommend an umbrella liability policy to go with your General Liability coverage.
Residential:If you are mostly or strictly working on residential properties, we believe it still bears discussing an umbrella liability policy in your line of work. You are still using heavy machinery and working on large and potentially dangerous objects that can cause massive property damage or potentially cause severe injury to people on site.
As you can imagine, these types of claims are rarely minor in nature and an umbrella policy could help insulate your business from major difficulties.
