Tree Trimming Insurance Minnesota Policy Information
Tree Trimming Insurance Minnesota. 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 Minnesota 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 Minnesota, including:
- Tree trimmers
- Tree removal experts
- Municipal tree care workers
- Tree pest experts
- Gardening and landscape workers
While there is no specific tree trimming insurance Minnesota or arborist insurance, there are several types of insurance that afford protection to people working in this profession. Addressing the potential liabilities your MN 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 MN 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 Minnesota 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 Minnesota 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
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable And Satellite TV Installer
- Chimney Sweep
- 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
- Garage Door Installer And Repair
- Glass Contractor
- Glazier Insurance
- Gutter Installation And Repair
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- 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
- 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 Tree Trimming Insurance Minnesota quote in Albert Lea, Alexandria, Andover, Anoka, Apple Valley, Arden Hills, Austin, Bemidji, Big Lake city, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Cottage Grove, Crystal, Duluth, Eagan, East Bethel, Eden Prairie, Edina, Elk River, Fairmont, Faribault, Farmington, Fergus Falls, Forest Lake, Fridley, Golden Valley, Grand Rapids, Ham Lake, Hastings, Hermantown, Hibbing, Hopkins, Hugo, Hutchinson, Inver Grove Heights, Lakeville, Lino Lakes, Little Canada, Mankato, Maple Grove, Maplewood, Marshall, Mendota Heights, Minneapolis, Minnetonka, Monticello, Moorhead, Mound, Mounds View, New Brighton, New Hope, New Ulm, North Branch, North Mankato, North St. Paul, Northfield, Oakdale, Otsego, Owatonna, Plymouth, Prior Lake, Ramsey, Red Wing, Richfield, Robbinsdale, Rochester, Rogers, Rosemount, Roseville, Sartell, Sauk Rapids, Savage, Shakopee, Shoreview, South St. Paul, St. Cloud, St. Louis Park, St. Michael, St. Paul, St. Peter, Stillwater, Vadnais Heights, Waconia, West St. Paul, White Bear Lake, Willmar, Winona, Woodbury, Worthington and all other cities near me in MN - The North Star State.
Also learn about Minnesota small business insurance requirements for general liability, business property, commercial auto & workers compensation including MN business insurance costs. Call us (612) 808-9866.