Maryland Tree Surgeon Insurance Policy Information
Maryland Tree Surgeon Insurance. Tree surgeons care for trees by diagnosing diseases and pest infestations, spraying with fungicides or pesticides, filling cavities to prevent further decay, providing structural support to branches, and pruning or removing diseased or unwanted trees or parts of trees, or grinding tree stumps.
They may plant new trees or transplant existing trees. They may climb trees using harnesses, ropes or spikes, or work from a scaffold or cherry picker. Tree surgeons may be involved in emergency work removing and disposing of trees after storms or other disasters.
As a MD tree surgeon, you provide an invaluable service to your clients. Pruning branches and treating damaged trees not only prolongs their life, but it also improves the safety of those who come into contact with the trees; not to mention the fact that it beautifies the property. You might also remove diseased, decaying, or dead trees.
No matter what type of services you offer, it's important that you carry the right type of Maryland tree surgeon insurance coverage. Why is insurance so important and what type of policies should you carry? Below, you'll find the answers to these questions and more so that you can ensure your business - and your clients - are well protected.
Maryland tree surgeon insurance protects your arborist business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Why Insurance Is So Important For Tree Surgeons
Your line of business involves the use of heavy equipment and powerful machinery. You probably work with chemicals, too. Plus, you and your crew are climbing up tall structures, and it's likely that those structures are often unstable. You also have to contend with high winds, sudden rain storms, and you're working on other people's property.
Despite the fact that you make every effort to ensure that you and your team are following protocols and using the safest procedures possible, accidents can happen. An employee can fall off of a ladder, a limb can fall onto a house and damage the roof, or a piece of equipment could backfire, for example.
When accidents do occur, you'll be glad that you have insurance to protect you. With the right insurance coverage, the cost of any covered liabilities, such as damages, injuries, and even litigation, will be taken care of. Without insurance, you would have to pay for the costs that are associated with any damages out of your own pocket, which could be financially devastating.
To avoid the risk of going bankrupt and losing everything, Maryland tree surgeon insurance is one of the best investments you can make for your arborist business.
What Types Of Insurance Should Tree Surgeons Carry?
There are several types of Maryland tree surgeon insurance coverage that should be considered. While the specific policies will vary and are based on the specific needs of your business, the following coverages are most recommended:
- Commercial General Liability - The most basic of all coverage options and the one that all business owners simply must carry is commercial general liability insurance. This type of coverage protects your tree surgeon business from third-party liabilities, including injuries and property damage, as well as any legal claims that come along with such damages. For example, if a client's property is accidentally damaged while you're removing a tree and he or she files a lawsuits against your company, your insurance provider would help to cover the cost of any necessary repairs, litigation, and settlements.
- Commercial Equipment - You've invested a lot of money into the equipment that you use to tend to and remove the trees you care for. If any of your equipment is damaged, lost, or stolen, repairing or replacing it can set you back significantly. With commercial equipment insurance, the expense of repairing or replacing your equipment won't have to come out of your own pocket; instead, your insurance provider would help to cover the cost, which can save you some serious money.
- Workers' Compensation - Whether you employ a crew of 50 or 5 people, you're going to need workers' compensation insurance. This type of coverage pays for any on-the-job injuries or illnesses that your employees may sustain. It can also cover wages that employees lose while they are out of work, training for a new line of work if they are unable to return to their previous position, and legal defense fees, should an employee take any legal action. For instance, if any employee was injured by a saw that you failed to maintain and he or she files a lawsuit against you, your workers' comp insurance would pay for any related medical care, lost wages, and legal fees.
These are just some of the different Maryland tree surgeon insurance policies that arborists should have. There are other if your specific job or operations call for it.
MD Arborist's Risks & Exposures
Premises liability exposures can be light at the tree surgeon's own premises if there is no public access. If there is a nursery, the exposure increases as customers may slip or fall on wet flooring or dirt or trip over equipment. Plants and equipment stored in the open can present an attractive nuisance. At job sites, falling tools, branches, or debris may injure persons, damage vehicles or other property, or fall onto power or communication lines.
Use of chain saws on trunks or limbs and the use of chippers for disposal may result in flying debris that can cause serious bodily injury. Root removal may cause underground damage to water, sewer, gas, electrical, or communication lines. The areas of operation should be restricted by barriers and proper signage to protect the public from slips and falls from equipment and supplies impeding access.
The application of chemical fertilizers or pesticides presents both a premises and completed operations hazard that could result in serious long-term injury, illness, or disease to customers, passersby, and workers. Chemical overspray may also result in damage to vehicles or other property. Contractors who do not obtain and keep proper licensing and certification for chemical applications create a serious liability exposure.
Environmental impairment exposure is significant. The application of chemicals can result in damage to air, soil, or groundwater. The tree surgeon must comply with all federal, state, and municipal regulations regarding the use and disposal of chemicals and waste products. Employees who handle chemicals must have the appropriate licenses and certifications individually.
Workers compensation exposures are high due to the operation of machinery and equipment, work at heights, work on uneven ground, and exposure to underground or above ground cables and lines. Use of power-cutting equipment can result in cuts and possible amputations. Back injuries, hernias, and sprains and strains can result from lifting. Work done on ladders, scaffolds or cherry pickers can result in severe injury or death from falling or being struck by falling objects.
Careful controls are necessary, as is good maintenance of equipment such as lifts, ladders, and safety equipment. Chemical applications may cause lung problems along with allergic reactions and other more serious complications.
Property exposures may be limited to an office with a storage yard for vehicles and equipment. They may include the use or sale of live and growing plants, shrubs, bushes, trees, or flowers. These may grow in a structure such as a greenhouse or outside in a yard. Both the structure and the growing stock are susceptible to damage by fire, wind, hail, and vandalism. The stock is also vulnerable to loss by frost and animals or insects. Specialty coverages designed specifically for growing stock to cover the loss from natural elements may be needed.
Older greenhouses may be subject to frequent glass breakage, since they are typically made with the lowest grade of plate glass. Newer greenhouses are simply frames with plastic coverings which need frequent replacement as they tend to yellow or cloud in the weather and block out sunlight needed by plants. There may be backup systems or generators employed to prevent freezing or other temperature losses.
Fire hazards can be high from the flammables used in the repair operations such as solvents and degreasers, and the chemicals in fertilizers and insecticides. These must all be well controlled, labeled, and separated with proper storage in the appropriate containers and storage facilities.
Crime exposures are from employee dishonesty. Background checks, including criminal history, should be obtained on each employee prior to hiring. Ordering, billing, and disbursement should be handled as separate duties with reconciliations occurring regularly. There should be appropriate procedures in place when employees accept payments off site.
Inland marine exposures include accounts receivable if the tree surgeon offers credit to customers, contractors' equipment and tools, goods in transit, and valuable papers and records for customers' and suppliers' information. Equipment may include hand tools such as pruning shears and chain saws, scaffolding and ladders, cherry pickers, or back hoes used for digging. Items can fall from heights or be stolen by third parties or employees.
Chippers and hoggers used to grind up trees into chips may be damaged by metal objects embedded in the wood or break down during use. Goods in transit may be damaged by fire, collision or overturn. While the transport of fully grown trees for planting is rare, the stock may be of high value. Vehicles containing tree stock should be attended at all times.
Business auto exposures may be very limited if the service is maintenance only and does not supply plants. If plants and large trees are transported the exposure increases due to the possibility of the load being involved in a collision or overturn. Vehicles may be custom designed with specialty equipment, such as lifts, cherry pickers, and tree planting or removal equipment.
Drivers should be aware of and be able to perform cleanup procedures in the event of a collision or vehicle overturn. All drivers must be well trained and have valid licenses for the type of vehicle being driven. MVRs must be run on a regular basis. Random drug and alcohol testing should be conducted. Vehicles must be well maintained with records kept in a central location.
MD Tree Surgeon Insurance
To find out if there are any other additional policies you should purchase and how much coverage you should have, speak with a reputable agent that specializes in Maryland tree surgeon insurance insurance.
Maryland Economic Data And Business Insurance Regulations
Business owners that have their sights set on Maryland should to take a number of factors into consideration before the set up shop; namely, they need to determine if the state offers favorable for business owners in general, as well as their specific industry. After all, it doesn't matter how top-notch the products and services a business offers may be, if the location isn't favorable for the industry - and businesses, in general - the operation is going to have a hard time thriving.
Below, we examine key factors that indicate whether or not Maryland is favorable for business owners. We also look at some of the must-have types of commercial insurance coverage that are required in the state.
Economic Trends For Maryland Business Owners
A state's unemployment rate is key indicator of whether or not the climate is favorable for business operations. As of May, 2019, the unemployment rate in the Old Line State was 3.8 percent; 0.2 percent higher than the national average. In October of 2022, the rate hit a record low of 3.7 percent, so in less than a year, the unemployment rate has increased by .01 percent; a marginal increase. However, there have been gains in recent years; in 2010, the rate was 7.8 percent; that's a 4.0 percent increase in less than a decade.
The best place to start a business in Maryland is in Baltimore, the state's largest city. Suburbs of the city also offer promising conditions for business owners, such as Ellicott City, Columbia, Fulton, Lutherville, and Elkridge.
The state of Maryland offers a friendly culture for business of all shapes and sizes; but, the industries that are see the most success in the Old Line State include:
- BioHealth and Life Sciences
- Advanced manufacturing
- Information technology
- Aerospace and defense
- Financial services
- Energy (specifically green energy)
- Hospitality and tourism
Commercial Insurance Regulations In MD
The Maryland Insurance Administration regulates insurance in Maryland. Commercial insurance is designed to protect business owners from potential perils; it also protects anyone that interacts with a business, including consumers, vendors, and employees. Having the right type of coverage is not only crucial to avoid serious financial devastation in the even that a catastrophe does occur, but certain types of insurance are mandated, meaning business owners must carry specific forms of coverage.
In the state of Maryland, business owners are required to carry workers' compensation insurance, which offers coverage for on-the-job accidents and illnesses that employees sustain, is also required. Other forms of insurance coverage that business owners may need to invest in depend on the specific industry; for example, companies that distribute or sell alcohol will need liquor liability insurance, and businesses that utilize vehicles for business-related operations should carry commercial auto insurance to protect their drivers and other motorists on the road.
Additional Resources For Contractors & Home Improvement Insurance
Learn about small business contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your contracting business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Boat Repair & Dry Docks
- Boiler Contractors
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- Cistern Contractors
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Furniture Repair
- Garage Door Installer And Repair
- General Contractors
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Oil And Gas Well Drilling Contractors
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation & Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
A contractor that wants to begin or stay in business, liability coverage must be obtained for the premises or operations, off-site locations and products/completed operations exposures. These coverages may be included as a part of a businessowners policy (BOP) or purchased in a commercial general liability (CGL) policy. Owners and contractors protective liability and railroad protective liability coverages may also be required in certain cases in order for a contractor to obtain a particular job.
Physical damage coverage for tools, supplies and equipment, both on and off the contractor's premises, is a concern. Liability exposures at the premises of the contractor, and at the premises of the contractor's customer, must be properly addressed along with completed operations. Business insurance is very important as is workers compensation insurance protection for employees.
Contractors may work under a general contractor as a subcontractor in larger construction projects - like a new commercial site or residential subdivision. They can work on smaller projects directly with a home owner, usually specializing in renovations or remodels.
In business insurance speak, often called 'artisan contractors' or 'casual contractors', they are involved in many aspects of construction and contracting work – and include various trades and skills. Carpenters, painters, plumbers, electricians, roofers, tree trimmers, landscaping are just a few examples. They may do roofing, fencing, drywall, tile work and many other trades that involve skilled work with tools at the customer's premises.
An artisan contractor performs a single trade or job, and each has its own specialized liability needs with its own exposures to risk and accidents. Contractors liability insurance can offer coverage for bodily injury, property damage, advertising injury and medical payments.
Most artisan contractors should have commercial general liability at the very least, but many need broader coverages - like an umbrella to increase their limits of liability, inland marine policy to protect their tools, workers compensation if they have employees, and even commercial auto if they use vehicles for business purposes.
Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Contractors' Equipment and Tools, General Liability, Employee Benefits Liability, Umbrella Liability, Automobile Liability and Physical Damage, Hired and Non-owned Auto & Workers Compensation.
Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Flood, Leasehold Interest, Real Property Legal Liability, Accounts Receivable, Builders Risk, Computers, Goods in Transit, Installation Floater, Valuable Papers and Records, Cyber Liability, Employment-related Practicesand Stop Gap Liability.
Request a free Maryland Tree Surgeon insurance quote in Aberdeen, Adelphi, Annapolis, Arbutus, Arnold, Aspen Hill, Ballenger Creek, Baltimore, Bel Air North, Bel Air South, Beltsville, Bethesda, Bowie, Brooklyn Park, California, Calverton, Camp Springs, Carney, Catonsville, Chillum, Clarksburg, Clinton, Cloverly, Cockeysville, Colesville, College Park, Columbia, Crofton, Cumberland, Damascus, Dundalk, East Riverdale, Easton, Edgewood, Eldersburg, Elkridge, Elkton, Ellicott City, Essex, Fairland, Ferndale, Fort Washington, Frederick, Gaithersburg, Germantown, Glassmanor, Glen Burnie, Glenmont, Glenn Dale, Greenbelt, Hagerstown, Havre de Grace, Hillcrest Heights, Hyattsville, Ilchester, Kemp Mill, Kettering, Lake Shore, Landover, Langley Park, Laurel, Lochearn, Maryland City, Middle River, Milford Mill, Montgomery Village, North Bethesda, North Laurel, North Potomac, Odenton, Olney, Owings Mills, Oxon Hill, Parkville, Parole, Pasadena, Perry Hall, Pikesville, Potomac, Randallstown, Redland, Reisterstown, Riviera Beach, Rockville, Rosedale, Rossville, Salisbury, Seabrook, Severn, Severna Park, Silver Spring, South Laurel, Suitland, Takoma Park, Towson, Waldorf, Westminster, Wheaton, White Oak, Woodlawn and all other MD cities & Maryland counties near me in the Old Line State.
Also find MD local small businesses by General Liability Class Code and learn about Maryland small business insurance requirements for general liability, business property, commercial auto & workers compensation including MD business insurance costs. Call us (443) 407-0500.