Tree Service Insurance in Vermont
What is Tree Service Insurance?
The work that arborists do comes with inherent risk, including risk to themselves, to others and to property. Tree service insurance helps arborists in Vermont protect their businesses from many of the risks that come with operating in this industry.
Tree service insurance is a specific type of commercial insurance that’s uniquely designed for arborists and their businesses. The insurance is usually offered through package policies, which combine multiple coverages together in order to offer protection from a range of risks.
What Businesses in Vermont Need Arborist Insurance?
Most tree service businesses in Vermont ought to have arborist insurance, for not insuring a business exposes it to risk and this is usually the most appropriate type of insurance for these businesses.
Of course, tree service can encompass a range of tree-related work. Businesses that provide any of the following services might need this insurance:
- Tree removal
- Tree pruning and trimming
- Tree pest management
- Municipal tree care
What Coverages Are Available Through Arborist Insurance Policies?
The coverages that arborist insurance policies come with can vary, and businesses often have the option to choose what coverages are in their policy. Nonetheless, there are several protections that these policies tend to make widely available and may be recommended for a business:
- General Liability Coverage, which may cover common accidents resulting in injury or property damage to others
- Errors and Omissions Coverage, which may cover errant advice that’s given to customers
- Product Liability Coverage, which may cover injury or property damage that tools, fertilizers or chemicals cause to others
- Business Property Coverage, which may cover business-owned facilities, equipment and tools
- Inland Marine Coverage, which may cover equipment as it’s taken to and from job sites
- Equipment Breakdown Coverage, which may cover vital equipment if it breaks down unexpectedly
These are just some of the coverages available through arborist policies. For a comprehensive overview of the protections that are available and can be useful, tree service professionals should contact an insurance agent who specializes in this type of policy.
Can Arborists Get Workers Compensation Through Tree Service Policies?
Workers compensation generally protects against workplace illnesses and injuries, and most businesses that have employees are required to carry it. The coverage is especially important in the tree service industry, where employees are at risk of falling, being hit by falling objects, or being injured by tools.
Whether arborists are able to get workers compensation through their tree service policy depends on the particular policy, however. Some policies make the coverage available, while others exclude it. In the event that it’s excluded from a policy, workers compensation can be easily obtained via a standalone policy that’s sold separately. An insurance agent can help with this process.
How Much Do Tree Service Policies Cost?
Premiums for tree service policies vary, as they’re based on a number of factors. A business’ location, scope of work and size are just a few of the items that can influence how much a policy costs. Even with variance among premiums, though, premiums tend to be affordable and fit within businesses’ budgets.
An independent insurance agent can help arborists find out exactly what the insurance they want will cost. Independent agents aren’t tied to one insurer but operate independently. This allows them to pull quotes from multiple insurance companies and show businesses what different companies will charge.
How Can Arborists in Vermont Get Tree Service Insurance?
For help finding tree service insurance in Vermont, contact the independent insurance agents at T.S. Peck Insurance. Our agents have the expertise necessary to help you find a policy that’s well-suited to your business' needs, and we can recommend the best policy option regardless of what insurance company in the state offers it.