Insurance for arborists
For arborists and tree removal companies, your customers rely on you to help them cultivate a wide range of trees, shrubs, and plants. They also often call upon you to remove a tree from their property, which is risky work. Someone could get injured by a falling branch, or a home or vehicle could be damaged by a tree that is being removed.
Having a specialized arborist tree removal insurance coverage is necessary for protecting your company, employees, and customers.
What is tree removal insurance?
Tree removal insurance (arborist insurance) is a customized liability policy designed for tree removal businesses and contractors that provides financial coverage for third-party injuries, property damage, accidents, or unexpected events.
What does it cover?
As an arborist, your work requires physically demanding labour in different weather conditions. Therefore, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.
A comprehensive tree removal insurance policy typically includes:
- Commercial General Liability (CGL) Insurance: CGL provides you with financial support for third-party claims or lawsuits related to bodily injury or property damage. It covers the costs of injuries or damages to a third party resulting from your company’s daily operations. It also provides you with support for your legal defence if you are sued.
- Tools and Equipment Insurance: Without tools and equipment, it’s not possible for tree removal companies or arborists to do their jobs. That’s why purchasing tools and equipment coverage is necessary. It provides funds to replace or repair your tools and equipment whether you own, rent, or lease them. From backhoes to hand tools, tools and equipment coverage may reimburse you if your tools and equipment are lost, damaged, vandalized, or stolen.
- Commercial Property Insurance: Commercial property insurance, or business property insurance, protects your business space or office. It provides financial support if the building your tree removal company occupies is damaged by severe weather, fire, theft, or vandalism. It also protects all the contents inside your commercial space including furniture, electronics, and any merchandise or inventory you have.
Additional coverage options:
- Pollution Liability Insurance: Tree removal company owners also need to protect their employees and their businesses from risks associated with exposure to pollution while at a jobsite. Pollution liability insurance covers third-party bodily injury and property damage as well as environmental damage at a property where you’re working. It includes coverage for clean-up costs, civil fines, and emergency response expenses.
- Commercial Auto Insurance: The vehicles your tree removal company uses need to be protected by a commercial auto policy against third-party liability and property damage. A personal car insurance policy is not designed to cover damages to a vehicle used for business purposes. Commercial auto coverage protects cars, trucks, vans, and trailers; any vehicle that is used to transport materials, tools and equipment, packaged goods, or people.
- Professional Liability Insurance: Also known as errors and omissions (E&O) insurance, professional liability coverage protects arborists and tree removal business owners who provide advice or services to their customers in exchange for a fee. It covers mistakes you or your staff make, negligent acts, misconduct, or failure to deliver a service as promised.
Does arborists need insurance?
Regardless of the tree services provided (residential or commercial), there may still be risks of slip-and-fall injuries and property damage, especially in work locations close to buildings and pedestrians.
Professionals working in the tree removal business who need this type of coverage include:
- Commercial, municipal, and utility arboriculturist
- Tree planters
- Tree pruning and trimming contractors
How much does it cost?
The cost of insurance for a tree removal business or arborist working on residential or commercial projects typically starts at $540 per year for a CGL policy with a $2 million coverage limit.
There are several factors considered when determining a price for a Tree Removal Insurance program, including:
- Number of employees you have and their licenses or professional certifications
- Project type (commercial or residential)
- Years of experience
- Type of tree services offered
- Your tools and equipment
- Annual and projected revenue
Common claims scenarios
Frequently asked questions
Other contractor trades we can provide coverage for: