What Tree Service Business Insurance Covers for Tree Contractors
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
Tree service work is inherently risky. From using chainsaws to operating heavy equipment, tree contractors face hazards that can lead to property damage, injuries, or even legal claims. That’s why having the right tree service business insurance is essential for any tree contractor. In this article, we’ll explore what coverage is included, why it matters, and how Wexford Insurance can help you protect your business.
Key Coverage for Tree Contractors
General Liability Insurance: This coverage protects your business against third-party claims of property damage or bodily injury. If a falling branch damages a client’s property or someone is injured on the job, general liability insurance helps cover medical bills, repair costs, and legal fees. For more details on contractor liability, visit Insurance Information Institute.
Commercial Auto Insurance: Tree service businesses often rely on trucks and trailers to transport equipment and crews. Commercial auto insurance covers accidents involving company vehicles, whether it’s damage to another vehicle or injuries to others on the road.
Workers’ Compensation Insurance: Most states require workers’ compensation if you have employees. It covers medical expenses and lost wages if an employee is injured while performing tree service tasks, including climbing, sawing, or debris removal.
Equipment and Tools Coverage: Chainsaws, chippers, cranes, and other heavy equipment are vital to your business. Equipment coverage protects against theft, loss, or damage, ensuring you can replace costly tools without financial strain.
Professional Liability Insurance: Mistakes happen. Professional liability coverage protects tree contractors from claims of negligence or errors, such as incorrect tree removal that results in damage or injury.
Additional Considerations
When shopping for coverage, consider the size of your business, the types of projects you handle, and local state requirements. Each tree contractor’s needs are unique, and your insurance should reflect that.
How Wexford Insurance Can Help
Partnering with an experienced provider like Wexford Insurance simplifies the process of securing the right coverage. Our team specializes in contractor insurance and can provide a custom quote tailored to your tree service business. Protect your company, employees, and clients with insurance designed specifically for tree contractors.
