News About Tree Service Small Business Insurance

Tree Surgeon Cuts Off Limbs!

The only reasonably safe tree service an arborist has is planting trees and maybe spraying them to prevent disease. Most other tasks like tree trimming and tree removal are dangerous for the tree surgeon, and not just because these tasks involve heights and chainsaws.

When A Small Business Has No Space To Move

Tree surgeons use power tools at great heights.  Sometimes, once they’re up the tree, they find that the space between the branches is small and awkward to navigate. Even in a safety harness or the comfort of a cherry picker, using that chainsaw is challenging. And on the ground, often they don’t have the option of clearing a large area around the tree.

This makes the job even harder because now they have to worry about tools and heavy tree limbs raining down on pedestrians or their cars. When trimming trees along the roadside, these fearless tree aerialists don’t get much consideration from drivers, who see them as a nuisance.

Tree trimmers would love to ignore everyone and just get on with their job. But the owner of a tree services company has more than just tree trimming or tree removal on their mind. 

Look Out!

If they want to stay in business, a small business owner with a tree services company has to look out for their own personal safety and the safety of the employees as well as the protection of equipment, property and people. If anything falls, causing damage to something or someone below, it will likely end in a lawsuit.

Both landscapers and property owners need tree care and tree removal. When tree care professionals trim or fell trees everybody and everything is at risk. Stump grinding is just another danger facing both the tree company and the public. The business owner of a tree service company must consider all the risks of his job site. For instance:

• • •  the equipment
    •  passersby (bodily injury)
    •  automobiles (commercial auto)
    •  nearby buildings (property damage)
    •  power lines
    •  employees (workers compensation)

There are too many risks to not have tree services small business liability insurance to cover damages and lawsuits.

The Dangers of Over-Trimming

Starting and running a small business is very stressful, especially when it comes to cash flow. We all look for ways to save money. With this in mind, many small business owners don’t think that insurance coverage is necessary. You might even think that it tree trimming insurance will be too expensive. But, is it really?

We know that tree care professionals and arborists often work in tight spaces. Imagine the damage done if the tree company’s boom on the truck-lift slams into a residential window. The tree trimming equipment could be dropped right through the roof. That’s a lawsuit right there!

There are other dangers too.

From A Tree Surgeon’s Perspective

It’s easy to imagine what could happen if things go wrong with a chainsaw in a small and awkward space. Workers compensation insurance protects employees if they are injured while providing tree service. Workers compensation will pay employee medical costs and loss of wages if they are injured on the job. This insurance is required by law.

Tree services like tree trimming and tree removal require the use of vehicles and equipment. So liability insurance to protect against loss and damage to equipment is smart. Commercial vehicle insurance will cover any loss or damage.

But what additional liability insurance should a tree service company invest in?

When it comes to choosing the right tree services small business insurance coverage for your company’s needs as well as your pocket, it is best to consult a professional insurance agent from a reliable insurance company.

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