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 Posted: Wed May 14, 2008 3:09 am Post subject: tree trimming insurance - Is it a must for trimmers? |
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| we have a tree trimming business and want a quote on how much tree trimming insurance would be for a yr |
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Jillian822002
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| Posted: Wed May 14, 2008 7:45 am Post subject: |
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hi!
There are different scenarios that need careful consideration before you'd opt for tree trimming insurance. The first thing that comes to mind is the worker's compensation insurance.
See, your trimmers may face the most severest of fates with such a profession due to the chances of injuries that they may come across. Under such circumstances, the attorney of the injured may even come after your assets. So, better you decide now which form of insurance you're seeking & why.
Keep visiting, LaAmourous
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LaAmourous
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| Posted: Wed May 14, 2008 9:28 am Post subject: |
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| Quote: | | The first thing that comes to mind is the worker's compensation insurance. |
Thats probably the first thing that comes to mind. But I believe that its gonnabe equally fatal if he works without a liability coverage.
While trimming a tree, if your trimmers hits & damages any of the neighboring properties..just think what might turn up & who'd be responsible for that. So I have every reason to believe that if you're being offered a tree trimming insurance quote of $1200 ( when I think of the cumulative expenses on your equipments & carriage) I feel its worth it. Blazewood-horn
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Blazewood-horn
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| Posted: Wed May 14, 2008 9:31 am Post subject: |
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Hi..
Even if it is about trimming a huge oak I believe a quote worth $1500 is not too bad when I take into account the mess that has to be cleaned apart from pruning the tree itself.
Pearl_johnson
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Pearl_johnson
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| Posted: Wed May 14, 2008 12:57 pm Post subject: |
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I think the question was about an tree trimming insurance quote, not the price of trimming a tree, but anyway,
You're in a pretty hazardous business, but I guess you already know that, don't you?
You need to know your state's requirement for Workers' Comp insurance. Some states require it if a business has one full-time or part-time employee, while others have minimum number of employee requirements.
My state will allow the plan to "EXCLUDE" the owner's wages. Some state have an Assigned Risk Pool (Workers' Comp Pool) and that may also be available to you if your business requires this insurance coverage.
You will probably also need General Liability insurance, which may be hard to find for your business, but there are probably insurance companies out there who specialize in your type business.
If you own property, vehicles and equipment, you will also need to check on commercial auto and property insurance.
Many company's offer Business Owners' Policies (BOP), which will combine the GL and the property and equipment.
As far as a quote, there is no way to get that without talking to a business insurance agent, giving that agent a lot of personal information and information about your business.
Maze |
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InsuranceMaze
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| Posted: Tue Jan 27, 2009 8:53 pm Post subject: |
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| I know some people that need a few trees removed,im planning on doing them myself-im 22 years old and im an arborist-my question is the same as the first guy,but also are there such tree trimming insurance policies that could cover me for just the time being of the work? |
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toby
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| Posted: Wed Jan 28, 2009 4:34 am Post subject: |
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Hi Toby, contacting an agent would be the best thing to do to know about your options. The agent can also help you in comparing both quotes and benefits of different policies.
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anonymous 12
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| Posted: Sun Jul 19, 2009 11:49 pm Post subject: |
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i have full tree trimming insurance for 1000 a year and it up to 1 million
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mcfly2325
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| Posted: Sun Aug 30, 2009 4:21 pm Post subject: Tree trimming and Removal |
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I need to no how much for just liabillte is ?
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robert jacobs
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| Posted: Mon Sep 21, 2009 3:06 am Post subject: |
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i like to no how it cost for tree trimming
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willies_carwash;yahoo;com
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| Posted: Thu Mar 11, 2010 2:48 pm Post subject: Tree Trimming Insurance |
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Rates for GL insurance are based on either sales or payroll. Tree trimming is a high hazard class that will go to the excess and surplus lines market depending on how large your business is, sometimes resulting in an unaffordable policy for the smaller guy. As for WC, rates are also high and wont be accepted by a standard carrier like TheHartford or Travelers. If you need help placing this coverage feel free to call Christian at American Westbrook Insurance Services (630-571-6166), I am meeting with a tree trimming company this morning. I will post an update after I quote the account. Best, Christian Rebello
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InsuranceGuy83
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| Posted: Sun Apr 11, 2010 4:14 pm Post subject: C. R. ? |
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Hi. What happened with the quote? Any luck or any updates? I know there are a lot of regular non-prof that help out friends and family with trees. The information on protecting with tree trimming insurance would be helpful. Thanks!
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regular joe
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| Posted: Sat Aug 28, 2010 8:11 pm Post subject: |
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My husband and a friend have recently begun a small landscaping and lawn maint. company. I am looking for some information about what kind of insurance they may need to carry. I have relatively no Idae what tree trimming insurance may cover ect.
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Blake
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| Posted: Sun Apr 17, 2011 11:32 pm Post subject: Pruning insurance |
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I am the owner and I'm the only one that trims or cuts the trees. I have no employees.
How much will it cost for pruning insurance for 6 months. I live and work in NH.
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Stockman56
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| Posted: Tue Apr 19, 2011 1:13 pm Post subject: |
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You probably cannot purchase commercial liability insurance for only 6 months. You will probably have a 12-month policy, often paid in advance, and possibly with a non-refundable provision for early termination by you.
Having said that, depending on the size of your business (risk exposure), your CGL premium could range between $500 and $2000 for the year.
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