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No one needs to tell you that running a tree services business is something that requires a ton of care and expertise. The risks you may encounter as a tree cutter are major; whether they’re from falling trees or working with heavy machinery, you know there can be a lot at stake.
That’s why you need business insurance that understands the unique nature of those risks.
At Simply Business, we extend the same level of care and expertise with business insurance as you do with your tree services. As an online insurance platform, we’re committed to helping businesses like yours find coverage that understands what you’re looking for in a policy.
Plus, we make it easy to get covered. In just 10 minutes, we can show you policies from top insurers that fit your business’s needs.
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The type of insurance you may need for your tree removal business may largely depend on your location, the services you provide, and other factors. Due to the unique nature of your industry, comprehensive tree cutters insurance may call for a unique bundle of policies. Below are the types of insurance that can make up tree services insurance.
You understand the ins and outs of tree removal, which is why your customers trust you with their projects. But no matter how experienced you are, accidents can still happen. Whether it’s an incident involving property damage or a physical injury, tree removal jobs come with their fair share of risks.
The big question is: Are you and your business protected if something happens?
General liability (GL) insurance is a critical policy for a reason. It can protect you from claims and costs that may arise as you run your business. The average customer injury or damage claim (something that general liability insurance covers) is around $30,000.
So if you don’t have the proper coverage, those costs could come out of your wallet. In this case, tree services insurance can be a worthwhile investment.
But what does general liability insurance look like on the job?
Picture yourself working on-site at a new customer’s house. While cutting off a few limbs that hang over the house, your line system breaks from the tension, and a tree branch punches a hole through the roof of the house. Your customer is furious, and you’re left wondering what to do.
Do you have to pay for roof damage out of your own pocket?
Luckily, if you have general liability insurance, the costs to repair the customer’s roof may be covered, as well as any legal fees (up to your policy limit) if your customer takes you to court. However, without this insurance coverage, you could be putting your business, your employees, and yourself at risk.
To summarize, here’s what general liability insurance usually can cover:
Here’s what general liability insurance usually doesn’t cover:
If you have part-time, full-time, or temporary employees, your state may require you to carry workers compensation insurance. More casually known as workers comp, this type of insurance can cover incidents such as employee injury or illness that occur while they’re working for you.
Due to the potentially high-risk nature of the tree removal industry, workers compensation insurance can be considered a crucial part of growing a thriving business. With the average work injury cost estimated at $41,000, getting the proper tree services insurance is likely essential to your business’s growth.
Even if you have only a few employees on your team, workers compensation can be an integral part of your overall tree services insurance coverage.
Workers compensation insurance for tree cutters may likely cover:
You understand the importance of taking extra precautions during tree removal projects to protect yourself, your employees (if you have any), and your clients. So why not adopt that same mindset when it comes to protecting your business?
You may be wondering, “Do I really need business insurance right now? Can I afford it? Does it make sense for my business at this time?”
The answer, in short, is likely yes.
The reality is, the amount you may need to invest in tree removal insurance can be a fraction of what you could have to pay in the event of an accident or a lawsuit without any insurance at all.
Plus, holding a business insurance policy can be essential to reaching other milestones in growing your business and gaining customer trust.
Though we can do all we can to minimize our liabilities and risks, that doesn’t mean accidents can’t happen. Here are some of the most common incidents that can happen to small businesses, as well as their average costs:
Without insurance, those costs could come out of your own pocket. But with tree removal insurance, your policy could cover some or all of the costs associated with those types of claims or lawsuits. Plus, with 43% of small business owners polled claiming they’ve been threatened with or involved in a civil lawsuit at some point while running their business, it’s vital to protect your hard work.
Protect the business you worked so hard to build. At Simply Business, we make it easy to find insurance at the right price. Just answer a few simple questions about your business, and you’ll be able to compare quotes from top insurers in minutes.
Also, once you choose your policy, we can provide you with a certificate of insurance (COI), so you can start showing proof of coverage.
Due to the variant nature of tree cutting, you may be required to carry some coverage but not others. For example, if you have employees, your state may require you to carry workers compensation insurance, but not general liability insurance.
Unsure about what you need? Our licensed insurance agents are here to help you every step of the way.
The tax laws differ in each state, so we recommend talking to a tax professional for guidance about your specific business.
But for the most part, business insurance premiums paid for tree removal businesses are deductible when you file your income taxes, as they are an ordinary and necessary business expense.
The amount of coverage your business needs will depend on a variety of factors:
If you aren’t sure what type of insurance you need, don’t stress! Our quote form makes it easy to see the right insurance plans based on your business’s needs.
If you’re ready to start browsing insurance quotes, we recommend having the following on hand to make the process as quick as possible:
It can, but that’s why our quote process works so well. Our questions can narrow down insurance coverage options for you based on your responses, as well as requirements set by your state.
The coverage for tree cutters insurance depends on the policies that are combined to meet your business’s needs. If you choose both general liability and workers comp, insurance for tree cutters can typically cover:
The cost of tree removal insurance depends on your business and its needs. For the most part, you can expect the price of your insurance coverage to be determined by:
Ready to see how much your tree removal insurance may cost? To get started, click here and get free quotes from top providers across the country in minutes.
Simply Business is an online insurance platform that makes it easy to compare the best policies and quotes from the nation’s top insurers.
We’re one of the fastest-growing online providers of small business insurance, which is why thousands of customers — like tree removal companies! — trust us to protect their businesses.
Why choose us? It’s simple:
You’ve worked hard to build your tree removal business. That’s why you should have an insurance policy that protects all of your hard work.
This content is intended to be used for informational purposes only. It is not intended to provide legal, tax, accounting, investment, or any other form of professional advice.
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.