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The Importance of Tree Trimmer Insurance: What You Need To Know
Having a tree trimmed is a great idea, as trimming can keep your trees healthy and strong. If you’re not careful, trimming can also be dangerous. This is why it’s important to have tree trimmer insurance from someone you can trust. You never know what could happen when you’re working on a tree. A branch could break, or a limb could fall on someone. It’s important to have coverage so that if anything does happen, you’ll be taken care of.
But what do you need to know about tree trimmer insurance? Here are some things to consider before purchasing a policy.
What Is Tree Trimmer Insurance?
Tree trimmer insurance is a type of insurance that provides liability protection for you and/or your business from accidents that could happen while a tree is being trimmed. It is available for both businesses and individuals.
Tree trimming is high-risk considering all the accidents that can happen while performing the job. There are always risks involved when trimming a tree, but if you have the right protection in place, you won’t have to worry about paying any medical bills or compensating for any damage done if somebody gets hurt.
Tree trimmer insurance can cover most costs associated with the accident, including medical expenses and property damage. It’s important to have coverage in place in case anything does happen while a tree is being trimmed or cut down.
If you aren’t sure how much coverage you need or what is covered by a policy, it’s a good idea to speak with us so we can go over your options and help you find the best plan for you or your company.
Who Needs Tree Trimmer Insurance?
Anyone who’s trimming trees needs insurance. It doesn’t matter if you’re an individual or a company, if you’re trimming trees, you need coverage.
But what about if something goes wrong and you don’t have coverage? And, what about someone who is injured while working on your property? Who would pay for their care? Without insurance, you would!
With XINSURANCE, you’ll have true peace of mind knowing that if something goes wrong, you or your business will have us by your side as your insurance partner.
How Much Coverage Do You Need for Tree Trimmer Insurance?
The amount of coverage you need will depend on a variety of factors, including what kind of work you do, how much you charge per job, and where you work.
A few insurance companies offer different levels of coverage for tree trimmer insurance. It’s important to research what’s the best type of coverage for your specific needs.
XINSURANCE can provide solutions for different coverages, all under one policy, using our ‘all-in-one approach’. Some of these coverages include:
- Alleged Assault & Battery Liability
- Alleged Sexual Abuse & Molestation Liability
- Commercial Auto (available in most states)
- Commercial Liability
- Equipment Rental Liability
- Professional Liability
- Property Coverage
- And More!
If you need help finding the right type of coverage, contact us to help guide you through the process.
Please note we do not provide workers’ comp.
Tree Trimming Safety
According to the CDC and TreeRater, out of 1,285 workers who had accidents while performing tree care, 565 of them were trimming trees. 42% were killed by being struck, 34% fell to a lower level, and 14% were electrocuted.
It’s important to pay attention and practice all safety measures while on the job. A great resource for tree trimming safety is the National Ag Safety Database. Some safety measures include:
- Use proper climbing and trimming equipment
- Know how to identify warning labels
- Do not operate machinery when you are tired
- Do not rush your work or try to take any shortcuts just to meet a deadline
XINSURANCE is an insurance partner providing specialty liability insurance solutions, powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We can offer custom solutions despite a claims history or when an individual or business has been denied, canceled, or non-renewed by another insurance carrier.
XINSURANCE is your partner. You’ll know that when the unexpected occurs, that we are a true partner providing insurance solutions and defending you when a claim is made. We offer customized solutions so not only can we fill the gaps of your primary coverage, but we can also provide true umbrella coverage.
Tree Trimmer Insurance Quote
It’s important to think about the risks that come with trimming your trees. Having liability insurance from XINSURANCE will allow you to trim those trees with true coverage and true peace of mind. We’re here to help you with customized insurance solutions.
Contact us today to request a quote for tree trimming insurance coverage.
Rick Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.