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Get DE small business insurance quotes and info on costs, coverages, minimum requirements, certificates & more.

Types Of Small Business Insurance

  • Includes medical payments, legal representation, and defense against libel and slander accusations.
  • Bundles general liability insurance and commercial property into one affordable policy.
  • Provides financial protection if an employee has a job-related accident or illness.
  • Pays to repair or replace your business property if it's stolen, damaged, or destroyed in a fire or natural disaster.
  • Covers mistakes or alleged mistakes on your part (errors) & failures or alleged failures to perform a service (omissions).
  • Is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business.
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Frequently Asked Questions About Small Business Insurance


How much does general liability insurance cost?

In 2019, commercial general liability costs can vary widely based on industry. Businesses in higher risk industries pay more. Premiums are also determined by zip code and often payroll and/or gross sales. You can request a free quote to get an exact premium for your business. Read more...

What types of business insurance do I need?

Almost every business needs general liability and commercial property insurance at the very least. If you have any non-owner employees, you'll most likely need workers compensation insurance too as most state require it. It all depends on the risks your business faces. Read more...

How does general liability insurance work?

Having general liability is the basis of any business insurance program. If you can afford only one commercial insurance policy for your small business - then you should get a commercial general liability policy, because it offers protection against a wide range of common but unexpected risks. Read more...

What is a Certificate of Insurance?

A Certificate of Insurance (COI) is proof of coverage. It verifies that you have insurance coverage for your small business, & contains information on types and limits of coverage, insurance company, policy number, named insured, and the effective date of the policy. Read more...
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Tree Trimming Insurance Delaware Policy Information

DE Tree Trimming Insurance

Tree Trimming Insurance Delaware. 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 Delaware protects your business from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.

A number of individuals can benefit from tree trimming insurance Delaware, including:

  • Tree trimmers
  • Pruners
  • Tree removal experts
  • Municipal tree care workers
  • Hardscapers
  • Tree pest experts
  • Gardening and landscape workers
  • Aborists

While there is no specific tree trimming insurance Delaware or arborist insurance, there are several types of insurance that afford protection to people working in this profession. Addressing the potential liabilities your DE 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 ideuries 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 DE 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 Delaware package for your tree trimming, landscaping, or arborist business.

Insurance Types to Consider

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.

Obtaining Arborist Insurance Quotes

Whether you have a large business and hire multiple tree care workers or a small one-man operation, choosing the right tree trimming insurance Delaware 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.

Delaware Economic Data & Commercial Insurance Regulations

For entrepreneurs who are thinking about starting up a business in Delaware, it is important to have an understanding of the state's economic outlook, as well as the regulations and limits regarding commercial insurance. With this information, you can determine if DE is, in fact, a wise location to start your business.

Made In Delaware

Below, we offer a brief overview of Delaware's economic status and the rules relating to commercial insurance.

Economic Trends For Businesses In The State Of Delaware

Delaware is home to more than 1 million businesses. This includes over half of all of the publicly traded companies in the United States, and 64 percent of the country's Fortune 500 companies. Delaware is such an appealing place for entrepreneurs because the state offers flexible corporate laws and a government that is very friendly to business owners.

The economic outlook of DE has become softer. As such, Delaware has moved down eight spots on the Forbes' Best States for Business list. The costs of operating a business are about 21 percent lower in Delaware than the national average. It is also one of the lowest ranking states in regard to labor costs. With that said, job growth is expected to reach .8 percent by the end of the 2019 calendar year. The unemployment rate is expected to remain lower than the national average, at an estimate 4.7 percent.

The industries that contribute the most to Delaware's economy include:

  • Agriculture
  • Government
  • Healthcare
  • Hotel & Hospitality
  • Manufacturing
  • Retail

It is expected that these industries will continue to see growth, but there is a need for more skilled labor in these areas.

DE Commercial Insurance Regulations

The Delaware Department of Insurance regulates the insurance industry in DE. Commercial liability insurance, commonly referred to as general liability insurance, is the most common type of coverage that business owners carry. In the state of Delaware, business owners are not required to carry this type of coverage in order to operate. This state is considered a modified comparative fault state that has a negligence standard of 51 percent. The government does not put any caps on awards that are offered to those who file personal injury lawsuits against businesses in Delaware. As such, it is wise for business owners in this state to invest in commercial liability insurance, even though it isn't required.

Business owners are required to carry workers compensation in Delaware. This includes businesses that employee one or more hourly or salaried W2 employees.

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.


Contractors And Home Improvement Insurance

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 Tree Trimming Insurance Delaware quote in Arden, Ardencroft, Ardentown, Bellefonte, Bethany Beach, Bethel, Blades, Bowers, Bridgeville, Camden, Cheswold, Clayton, Dagsboro, Delaware City, Delmar, Dewey Beach, Dover, Ellendale, Elsmere, Farmington, Felton, Fenwick Island, Frankford, Frederica, Georgetown, Greenwood, Harrington, Hartly, Henlopen Acres, Houston, Kenton, Laurel, Leipsic, Lewes, Little Creek, Magnolia, Middletown, Milford, Millsboro, Millville, Milton, New Castle, Newark, Newport, Ocean View, Odessa, Rehoboth Beach, Seaford, Selbyville, Slaughter Beach, Smyrna, South Bethany, Townsend, Viola, Wilmington, Woodside, Wyoming and all other cities in DE - The First State.

Also learn about Delaware small business insurance requirements for general liability, business property, commercial auto & workers compensation including DE business insurance costs. Call us (302) 273-0433.

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