Common Insurance Claims Filed by Tree Trimming and Removal Businesses
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
Tree trimming and removal is one of the most hazardous sectors in the contracting industry. Accidents happen despite safety precautions, which makes insurance coverage critical for protecting your business, employees, and clients. Understanding the most common insurance claims can help tree service companies choose the right coverage and reduce financial risk.
1. Property Damage Claims
One of the most frequent claims arises from property damage. Whether it’s a falling branch hitting a client’s roof, breaking windows, or damaging fences and landscaping, these incidents can be costly. General liability insurance is designed to cover these claims, ensuring your business isn’t financially liable for accidental property damage. For guidelines on liability coverage, consult the Insurance Information Institute.
2. Bodily Injury Claims
Injuries to employees, clients, or bystanders are another common claim. Workers may fall from ladders, suffer chainsaw injuries, or be struck by falling limbs. Workers’ compensation insurance is essential to cover medical expenses, rehabilitation, and lost wages for employees injured on the job. In addition, liability insurance protects your company if a third party is injured due to your operations.
3. Equipment Damage or Theft
Tree service businesses rely heavily on expensive tools and machinery, including chainsaws, wood chippers, and cranes. Accidents, theft, or equipment malfunction can halt operations and lead to financial losses. Equipment coverage ensures that damaged or stolen tools are repaired or replaced quickly, allowing your business to continue functioning without interruption.
4. Vehicle-Related Claims
Commercial auto insurance claims are also common in tree service operations. Trucks and trailers transporting crews and equipment may be involved in accidents, causing damage to vehicles or other property. Coverage protects against repair costs, medical claims, and liability associated with these incidents.
Why Understanding Common Claims Matters
By understanding the claims most often filed, tree contractors can choose policies that fully protect their business and reduce premium surprises. Providers like Wexford Insurance specialize in tree service contractor insurance, offering custom coverage for general liability, workers’ compensation, commercial vehicles, and equipment protection.
FAQs
Why do tree contractors need liability and property damage insurance?
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