Tree Service Insurance for Tree Trimmers and Arborists
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Tree service professionals like tree trimmers and arborists are exposed to accidents any time they step foot on a job location. From employee injury, to property damage, sometimes incidents occur that are out of your control. For this reason, having the right arborist insurance coverage is extremely important for you, your employees, and clients.
Without arborist insurance, your tree trimming company can be held responsible to pay for damages or injury completely out of pocket. This can result in the lack of funds for you and employees, and could be the end of the road for your arborist business.
General Liability for Tree Service Professionals
A general liability policy is one of the most common commercial policies. General liability protects your business from having to pay for damaged property, or any third-party accidents that may occur.
As a tree trimmer, your employees cause loose branches to fall from above. If someone happened to be in the wrong place at the wrong time and was hit, your general liability policy will help cover the injuries sustained at your job site.
Another common accident that can occur for arborists and tree trimmers is client property damage. Sometimes the natural elements, like a strong gust of wind can result in a branch breaking a window. As prepared as you try to be for all situations that may arise, some are unavoidable. Having the general liability policy for your tree trimming business will save you trouble from paying for this out of pocket.
Workers’ Compensation for Arborists
Workers’ compensation is a policy that is required in most states. This policy will protect your employees if they undergo an injury while working. Since being an arborist or tree trimmer requires more physical work than other industries, a workers’ compensation policy is crucial for your company.
Workers’ compensation will help pay for the employee medical bills that arise from an accident. This covers things like ambulance rides, continuous medical costs and medications needed from the accident. It will also provide the employee with a wage while they are unable to work.
Commercial Auto Insurance for Arborists
For arborists and tree trimmers, you are always using a commercial vehicle to drive to and from location spots, as well as using the vehicle to transport equipment. Is your business covered if an accident occurs?
Commercial auto insurance for your tree trimming business can protect you in multiple ways. If your vehicle is involved in an accident, a commercial auto policy will help cover vehicle and equipment damage, medical bills, or lawsuits from the accident.
Without a commercial auto insurance policy in place, your arborist company will be responsible for paying all fees associated with the accident.
Contractor’s Tools and Equipment Insurance for Arborists
While your general liability policy will cover damaged property or third-party accidents, what about the expensive equipment used? Contractor’s tools and equipment service is here to help!
This policy covers the daily tools used by arborists and tree trimmers. That includes chainsaws, climbing gear, and other tools that are damaged, stolen, or lost. In order for this coverage to reach its full potential, the equipment must be less than five years old.
Benefits, HR, and Payroll for Arborists
As the owner of an arborist or tree trimming company, there are many responsibilities involved to have a successful company. At Alliance Insurance Group, we can help you with your insurance, benefits, payroll and HR needs! Having a high employee satisfaction rate can help ensure that your employees do good work on the job.
Let us help you find the right employee benefits plan for the hard-working individuals that keep your business going. We also have a simple system to help distribute payroll to your employees. No more need to sit and calculate your employees pay, we can take care of it for you.
If you are interested in learning more about insurance, payroll, employee benefits, or HR services, please fill out the form below and one of our agents will reach out to you shortly. You can also call our mainline at (303) 279-9700.