What’s Up In With Tree Services Insurance?
Is your small tree services business protected against all the dangers of your work?
As the owner of a business offering tree services, you are well aware of the danger. Pruning , removing tree limbs interfering rooftops and power lines, cutting down trees, and removing stumps are all in a day’s work. The tree service business has high liabilities. Worker safety is one of your major concerns because you and your employees must do your job using dangerous equipment, at height or in cramped spaces. However, you can’t ignore property damage to houses, cars, drives, sidewalks, paths and bystanders. And what about theft or breakdown of equipment? The question that many small business owners face is, what is the best insurance policy? And, just as importantly, is it possible to customize insurance for tree services businesses because you don’t want to be paying for coverage you don’t need.
The Right Tree Services Insurance
You already know that providing tree service is a dangerous, as well as a labor-intensive job. And while this job is quite hard on a human body, the situation isn’t any different in the terms of economy. There are over 140,700 tree trimming and tree removal services competing for business in the US. With this in mind, it is not that easy for a small tree business to remain profitable in this extremely competitive industry. Also, finding and training dependable workers is not that easy either.
When it comes to owning a small business, determining what kind of business insurance is necessary for your field of work can be a scary task. Naturally, small businesses in different industries need different business coverage. Also, the specific tree services that your business offers will determine exactly what kind of insurance coverage you need.
My Business Is Small. Is Tree Services Insurance Even Worth It?
As a tree services business owner, chances are that you have a truck along with all of your equipment and tools, right? This is where business insurance comes into play! Good business insurance can help protect all of your equipment and tools, as well as your truck. Also, keep in mind that a good general liability insurance is the key to success, since many states won’t even allow you to operate without the proper liability insurance. And don’t forget about the worker’s compensation insurance either! Worker’s compensation insurance can help you cover an injured worker’s medical expenses, as well as their salary. These are just some of the coverages you can enjoy. But the question remains: how do you put together the best insurance program at the right price?
Small Business Liability recommends a business owners policy (BOP) with additional insurance coverage specific to your tree services business needs. As your insurance company, we shop for the best coverage at the best rates. We help you save on insurance coverage by purchasing exactly what you need, and no more than you need. We also bundle your tree services business insurance policies together through one insurance provider. The benefit to you is the right insurance at the right price without having to shop for it yourself.
But you don’t have to make a quick decision about your tree services insurance without all the facts. Contact one of our Small Business Liability consultants for a free quote.
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