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What’s that old saying about if a tree falls in the forest, who will hear it? However it goes, rest assured that if something goes wrong with your tree removal services, you’ll be the first to hear about it, and the response will be loud. And rightly so--tree removal and cutting is a service that assumes big risks!
At Simply Business, we’re prepared to protect you from those risks. Our customized policies protect your business from property damage, accidents, and more.
We take the pain out of policy-hunting, by ensuring coverage in less than 10 minutes. We’ll allow you to compare rates, pick your policy, and get back to business.Get your quote
Tree removal should be approached with the utmost care--which you know, because you’re the expert. That’s how we feel about insurance. Depending on the location of the job, the nature of the service needs, and other factors, tree cutters require a unique policy. These are the types of insurance we recommend tree removers attain:
General liability insurance (GL) is coverage that protects you from property damage, physical injury, and their resulting lawsuits.
But--what exactly does that mean?
Without general liability coverage, you could be putting yourself, your employees, and your business at risk. Tree removal is one of the US’ top five most dangerous jobs. With numbers like that, you don’t want to take a chance, right? Think about these examples:
Property damage. Say your employee cuts down a tree and it falls on your client’s car, not too far from where work is being done. The tree did a great deal of damage and the car requires a lot of repairs. General liability insurance could come in handy to cover the cost of repairs.
Bodily injury. Or maybe while up doing a job, you cut a branch and it hits a person on your client’s property. They’re okay--only a dislocated shoulder and broken arm. You got lucky this time, especially because those medical bills could be covered under your general liability’s policy on bodily injury.
The examples above are scenarios that could certainly happen to you--and that’s not a gamble we want to make. Invest in general liability to protect against property damage, bodily injury, and related lawsuits. Keep in mind that general liability doesn’t cover other property damage (like work vehicles) or certain situations, like legal disputes or intentional mistakes.
If you employ part-time or full-time employees, then your state may require you to invest in worker’s compensation insurance. In case someone gets hurt on the job, workers compensation covers medical costs and any lost wages during recovery from the injury.
Workers compensation insurance usually covers:
If one of the above impacts an employee, then having workers compensation coverage can cover your employee’s lost wages (up to the policy limit) and related medical bills. Having a workers compensation policy in place can provide you ease of mind, since it often prevents an employee from suing for an injury procured in the workplace.
Tree trimming is one of those high-risk jobs. For such a high risk profession, there’s no space to cut costs on equipment that may not be the best. Whether you’re such getting started or are a seasoned tree cutter, a lot of time, effort, and money goes into selecting and purchasing your tools. Unfortunately, your tools could get stolen or damaged in some way. If that happens--it could be absolutely devastating for the health of your business. Having contents coverage can ensure that if something happens to your tools, you’ll be protected.
Our contents coverage can be packaged along with general liability insurance--request it when shopping for a quote.
Simply Business is an online business insurance brokerage that helps you compare and choose policies from top insurers. With over 10 years of experience, we love making business insurance clear and simple for our customers.
We take pride in making business insurance:
You’ve worked hard to build your tree removal business--we offer the best coverage to protect it.
You shouldn’t have to go out on a limb to find tree removal insurance (or deal with our puns really, but here we are). Below are our answers to the most frequently asked questions about tree removal insurance. We also include links to resources specifically for tree removers.
Regardless of whether you want to insure your tools or protect against possibly injury, our tree removal insurance can be customized to the risks of your daily job. We can add coverage policies to spruce up your general liability insurance and ensure that you’re covered for all possible outcomes.
The cost of tree removal insurance varies depending on several different factors, such as:
###Is tree work insurance a legal requirement?
Whether you’re insured for performing tree removal services depends on your state and its particular laws. If you’re state doesn’t require you to have tree removal insurance, we still suggest getting it because:
It can protect you from property damage bills incurred while on the job It can cover you in the case a client decides to sue It can help provide potential customers confidence in hiring you
The tax laws differ in each state, so we recommend meeting with a tax professional for guidance, but generally, the cost of small business insurance is deductible if it is found to be ordinary and necessary.
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