Tree Trimming Insurance Policy Information
Tree Trimming Insurance. Dozens of arborists and tree trimmers die on the job each year, according to the Occupational Safety and Health Administration. This includes workers for landscaping businesses and tree trimming companies as well as private self-employed arborists. Statistics also show that there is a higher rate of fatalities experienced among experienced tree trimmers and arborists than those who are new to the profession.
This is mainly due to the fact that as arborists get more experience, they are often pulled in to riskier contracts - and with fully grown trees weighing upwards of ten tons, the risks in the profession from falling tree trunks and branches is immense. If you work as a tree trimmer, landscaper, or other tree-related professional, you need to protect yourself and your business from perils that are all too common in the niche. The dangers are real, and the potential pitfalls for your business are many.
Tree trimming insurance protects your business from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.
Below are some answers to commonly asked tree trimming insurance questions:
- What Is Tree Trimming Insurance?
- How Much Does Tree Trimming Insurance Cost?
- Why Do Tree Trimmers Need Insurance?
- What Type Of Insurance Do Tree Trimming Buisnesses Need?
- What Does Tree Trimming Insurance Cover & Pay For?
What Is Tree Trimming Insurance?
Tree trimming insurance is a type of insurance coverage that is specifically designed for businesses and individuals who offer tree trimming and tree care services. This insurance protects the policyholder from financial losses and liabilities that may arise from accidents, injuries, property damage, or other incidents that occur while performing tree trimming services. This insurance typically covers medical expenses, property damage, and legal expenses in the event of an accident, and may also cover the costs of lost business income if the policyholder is unable to work due to injury or damage to their equipment.
How Much Does Tree Trimming Insurance Cost?
The average price of a standard $1,000,000/$2,000,000 General Liability Insurance policy for small tree trimming & removal businesses ranges from $47 to $89 per month based on location, height climbed, payroll, sales and experience.
Why Do Tree Trimmers Need Insurance?
A number of individuals can benefit from tree trimming insurance, including:
- Tree trimmers
- Pruners
- Tree removal experts
- Municipal tree care workers
- Hardscapers
- Tree pest experts
- Gardening and landscape workers
- Arborists
While there is no specific tree trimming insurance or arborist insurance, there are several types of insurance that afford protection to people working in this profession. Addressing the potential liabilities your business faces by purchasing the right level and type of insurance is crucial to the staying power of your business.
When evaluating your business' need for insurance, think about possible perils and damage that can arise as a result of:
- Damage to the property on which you're working.
- Injury to others during the course of your work.
- Negligence on your part that results in damage or injury to others.
- Problems arising from pesticide use and the use of toxic chemicals.
- Job-related illnesses and injuries to workers and yourself.
- Theft, damage, or loss of vehicles, tools, or equipment necessary for carrying out your business duties.
- Accidents on the road in transit to the job site, in company vehicles or in personal vehicles on company time.
- Loss resulting from omissions and errors made by your business, either in removing trees or in consulting with a business or property owner.
As you assess your business risks and liabilities, be sure to consider the work you perform, the tools and substances you and your employees handle during the course of performing your job. Work with an insurance agent to determine the right tree trimming insurance package for your tree trimming, landscaping, or arborist business.
What Type Of Insurance Do Tree Trimming Buisnesses Need?
When shopping for insurance with your broker, there are some tough decisions that must be made. Your agent may recommend one or all of the following, based on your business model:
- General liability insurance to cover the risks the business faces, both bodily injury and property damage, during tree car, tree removal, or while making your way to job sites.
- Professional liability insurance that protects you against claims that your business gave poor advice, recommended services that were not necessary, or were negligent in some fashion when providing services.
- Business property insurance to cover your business' property and building and the tools and equipment you use that are vital for completion of your work.
- Product liability insurance to protect you from the fallout when you sell tools, chemicals, fertilizers, or sprayers that end up causing harm.
- Inland marine insurance to protect your tools and equipment as you move between jobs. For instance, if you take your laptop along in the field as you work, then the laptop is covered by inland marine insurance should it become damaged.
- Commercial auto insurance to cover damages to vehicles owned by the company or used by the company.
- Interruption of business insurance to ensure that your business stays afloat and meets payroll and expenses if there should be a covered peril that causes it to close.
- Worker's compensation insurance to protect employees from loss when they are hurt or become ill due to a work-related cause. Your business may be required by the state to carry this type of insurance.
There are some other types of optional coverage that your business may also need to look at, depending on your risk tolerance and the assets that you must protect. Work with an agent who is versed in the specific requirements of your niche to ensure your business has the right level of coverage at all times.
What Does Tree Trimming Insurance Cover & Pay For?
Tree trimmers can be sued for various reasons, including property damage, personal injury, and wrongful death. Insurance can protect tree trimmers from these lawsuits by providing financial assistance for legal fees, damages, and settlements.
Here are some examples of why tree trimmers may be sued and how insurance can help:
Property damage: If a tree trimmer accidentally damages a client's property while trimming trees, the client may file a lawsuit against them for the cost of repairs. Insurance coverage can help pay for the damages, and the tree trimmer may only have to pay a deductible.
Personal injury: A tree trimmer can be sued if they cause injury to a person while trimming trees. For example, if a tree limb falls and hits a person or a passerby trips over a branch, the injured person may sue the tree trimmer. Insurance can help pay for medical expenses, lost wages, and other damages.
Wrongful death: In some cases, a tree trimmer may be sued for wrongful death if a person dies as a result of the tree trimming services. For example, if a tree falls and kills someone, the victim's family may file a lawsuit against the tree trimmer. Insurance can help cover the cost of legal fees, damages, and settlements.
In summary, tree trimmers can be sued for a variety of reasons, but insurance can help protect them from financial losses associated with these lawsuits. By having appropriate insurance coverage, tree trimmers can operate their business with peace of mind and confidence in their protection.
Commercial Insurance And Business Industry Classification
- SIC CODE: 0721 Crop Planting, Cultivating and Protecting, 0783 Ornamental Shrub and Tree Services
- NAICS CODE: 561730 Landscaping Services
- Suggested Workers Compensation Code(s): 0106 Tree Pruning, Spraying, Repairing - All Operations & Drivers
0721: Crop Planting, Cultivating and Protecting
Division A: Agriculture, Forestry, And Fishing | Major Group 07: Agricultural Services | Industry Group 072: Crop Services
0721 Crop Planting, Cultivating and Protecting: Establishments primarily engaged in performing crop planting, cultivating, and protecting services. Establishments primarily engaged in complete maintenance of citrus groves, orchards, and vineyards are classified in Industry 0762. Establishments providing water for irrigation, or providing both water and irrigation services, are classified in Transportation and Public Utilities, Industry 4971.
- Aerial dusting and spraying
- Bracing of orchard trees and vines
- Citrus grove cultivation services
- Cultivation services, mechanical and flame
- Detasseling of corn
- Disease control for crops, with or without fertilizing
- Dusting crops, with or without fertilizing
- Entomological service, agricultural
- Hoeing
- Insect control for crops, with or without fertilizing
- Irrigation system operation services (not providing water)
- Orchard cultivation services
- Planting crops, with or without fertilizing
- Pollinating
- Pruning of orchard trees and vines
- Seeding crops, with or without fertilizing
- Seeding of sprouts and twigs
- Spraying crops, with or without fertilizing
- Surgery on orchard trees and vines
- Thinning of crops, mechanical and chemical
- Trees orchard: cultivation of
- Trees orchard: planting, pruning, bracing, spraying, removal, and
- Vineyard cultivation services
- Weed control, crop: after planting
0783: Ornamental Shrub and Tree Serviced
Division A: Agriculture, Forestry, And Fishing | Major Group 07: Agricultural Services | Industry Group 078: Landscape And Horticultural Services
0783 Ornamental Shrub and Tree Service: Establishments primarily engaged in performing a variety of ornamental shrub and tree services. Establishments primarily engaged in forestry services are classified in Major Group 08. Establishments primarily engaged in general lawn and garden planting and maintenance are classified in Industry 0782, and those primarily engaged in performing shrub and tree services for farm crops are classified in Industry 0721.
- Arborist services
- Ornamental bush planting, pruning, bracing, spraying, removal, and
- Tree trimming for public utility lines
- Trees, ornamental: planting, pruning, bracing, spraying, removal, and
- Utility line tree trimming services
Tree Trimming Insurance - The Bottom Line
Whether you have a large business and hire multiple tree care workers or a small one-man operation, choosing the right tree trimming insurance for your business is important. Selecting policy coverage amounts that allow you to stay within your budget is equally as crucial.
Work with your agent to insure your business and ensure your peace of mind. Agents can help you find the right plan with the most bang (and protection) for your business' hard-earned dollars.
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
- Carpentry
- 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
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Oil And Gas Well Drilling Contractors
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- 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
- Subcontractor
- Surety Bonds
- Swimming Pool Contractor
- Swimming Pool Service And Maintenance
- Tank Cleaners
- Tool Grinding And Repair
- Tree Surgeon
- Tree Trimming
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
- Specialty Contractors
The contracting industry is a field that involves a lot of risks, both for the contractor and for the clients they work for. This is why commercial insurance is so important for contractors. Insurance can protect contractors from a variety of potential losses, such as:
Liability: If a contractor causes damage to a client's property or if a client is injured while on a job site, the contractor could be held legally responsible. Liability insurance can cover legal fees and any settlements or judgments that may be awarded.
Property damage: Contractors often use a lot of expensive equipment and tools, and there is always a risk that this equipment could be damaged or stolen. Commercial property insurance can help cover the cost of replacing damaged or stolen equipment.
Business interruption: If a contractor is unable to work due to an unforeseen event, such as a natural disaster, insurance can help cover their lost income during this time.
Workers compensation: If a contractor or one of their employees is injured on the job, worker's comp can help cover medical expenses and lost wages.
Overall, commercial insurance is an important risk management tool for contractors. It can provide financial protection against a wide range of potential losses, helping contractors to stay in business and continue serving their clients.
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.
