What coverages are available through arborist insurance policies?
Arborist insurance policies normally have both property coverages and liability coverages. The former primarily insures assets that a business owns, while the latter primarily insures against situations where a business could be sued.
Some property coverages that policies frequently offer include:
- Commercial Building Coverage, which might cover an owned office or storage building
- Commercial Contents Coverage, which might cover equipment kept at a facility
- Inland Marine Coverage, which might cover equipment as it’s transported to/from worksites
- Equipment Breakdown Coverage, which might cover essential equipment that malfunctions
Some liability coverage that policies frequently offer are:
- General Liability Coverage, which might cover common accidents that result in harm to a third party (e.g. customer)
- Product Liability Coverage, which might cover injuries and illnesses that applied or sold products cause
- Errors and Omissions Coverage (E&O), which might cover incorrect advice that an arborist or employee gives
- Commercial Umbrella Coverage, which might cover expensive lawsuits with a second layer of liability protection
Arborists also often need commercial auto coverage for their trucks. Auto coverage can protect against vehicle damage and accidents, and it’s readily available through arborist policies.
An insurance agent who’s familiar with arborist policies can help arborists make sure they have the coverages that they should.
Do arborists need workers compensation?
Arborists that work alone may not need workers compensation coverage, but those that have employees are usually required by Massachusetts state law to carry the coverage. Workers compensation normally protects against job-related injuries that employees could sustain, which is certainly a risk when cutting down trees.
Whether workers compensation is included within a tree service policy depends on the policy. Sometimes it’s included within a tree service policy, and other times it’s purchased separately. Workers comp policies are easily purchased if a separate policy is needed.