By Ariana Ramos | SVP Business Development
Navigating the intricacies of master condo insurance requires expertise and access to a variety of markets. For independent insurance agents, partnering with a specialized wholesaler like Telamon
What is Tree Service Insurance?
Tree service insurance is a specialized policy designed to protect tree care businesses from the unique risks associated with their work. The tree care industry is among the most hazardous professions in the U.S., with workers often climbing over 100 feet while using heavy-duty tools like chainsaws. The risks increase with obstacles such as power lines, roads, and nearby structures, making urban tree work comparable in danger to logging.
This insurance provides crucial financial protection for both the business and its employees. Typical coverage includes general liability, workers’ compensation, and policies for vehicles and equipment. Without proper coverage, a single accident could result in devastating financial losses.
What Coverages Are Included in an Arborist Policy?
Tree service insurance wholesalers offer policies tailored to the specific risks of arborists. Some essential coverages include:
- General Liability Insurance – Protects against third-party injuries, property damage, and personal injury claims.
- Workers’ Compensation – Covers medical expenses and lost wages for employees injured on the job. Given the high-risk nature of tree care, this coverage is essential.
- Commercial Auto Insurance – Covers vehicles used to transport equipment, tools, and employees.
- Professional Liability (Errors & Omissions) – Protects against claims of negligence or mistakes in tree assessments and services.
- Equipment Insurance – Covers repairs or replacements for essential tools like chainsaws, chippers, trucks, and cranes.
- Inland Marine Insurance – Provides coverage for tools and equipment in transit between job sites.
Can Arborists Insure Specialized Equipment?
Yes! Tree service companies can secure coverage for cranes, chippers, and other high-value equipment. Equipment insurance protects against loss, theft, and damage. Insurers may offer endorsements or specialized policies based on equipment value and usage.
Why Work With a Tree Service Insurance Wholesaler?
A tree service insurance wholesaler specializes in high-risk coverage and has access to a broad network of carriers, ensuring comprehensive and competitive policies. By partnering with a wholesaler like Telamon Insurance, independent agents can confidently offer customized tree service insurance solutions.
Want to learn more? Contact Telamon Insurance today and gain access to Standard, Surplus, and Specialty Program Insurance Markets.
