Being an arborist is a high-risk job to begin with, and without the right financial protection, your job becomes even riskier.
You face paying out of pocket for costs that arise from property damage, equipment theft or damage, workers’ compensation, and injuries without the right coverage. For many businesses, covering these costs on their own can lead to bankruptcy or extreme financial distress.
Do I need arborist’s insurance in Salt Lake City?
If your job or your business includes tree removal services, tree trimming and pruning, public tree care, hardscaping, tree pest management, and landscaping, arborist’s insurance is absolutely necessary.
This coverage is also beneficial whether you’re a subcontractor or a business owner, as general contractors may require proof of insurance from subcontractors before hiring them.
What does insurance for arborists cover?
When you’re choosing an arborist’s insurance policy, some of the coverage options you’ll have to choose from include general liability, professional liability, product liability, and business property insurance.
These different types of policies can include coverage for:
- Property damage: For example, if you’re working on a client’s property and you accidentally break a window, you’ll be held responsible for the fees associated with repairing it.
- Loss, theft, or damage of your tools or equipment: If the tools you need to do your job are stolen, arborists insurance can help you pay for the cost of replacing them.
- Commercial vehicle accidents when you or an employee are driving
- Injuries or illness that you or your employees experience as a result of work
In addition to these essential components of an insurance plan for an arborist, plans might also include pollution liability coverage, as well as errors and omission exposure.
To learn more about arborist’s insurance and to find the right plan for you and your business, contact the experts at Salt Lake City Insurance today.