Tree Service Insurance Requirements

Workers compensation insurance is required in almost every state for tree service businesses that have employees. Types of Insurance for Arborists and Tree Trimmers.

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Tree service insurance requirements.

Tree service insurance requirements. Insurance Requirements Chapter 57 Section 77 of Denvers municipal code requires each applicant for a Tree Service License to meet the following insurance requirements prior to field exam. Most states do not require a micro- company to be covered a company less then 3 full time employees. The other answer that LCD gave is also true but there are exceptions to the workers compensation coverage you should know.

A tree service business startup costs are typically between 10000 and 50000. So in some cases if they perform work in a tree above that height the insurance policy is null and void. The right insurance can help protect the business owner from liability issues.

Finding affordable insurance for tree trimming is not easy. Tree trimmers are almost always required to have insurance due to the risk of injury and property damage. Liability coverage of all operations of the applicant and the operation of all vehicles operated.

How much does Accident Insurance cost a tree service. Dont accept a copy handed to you - it may be out dated or have a change in coverage. It protects your personal property so this will cover any property damage done to your home or vehicle caused by the tree service company.

Insurance policies usually have a working height clause that for landscapers can be a maximum of 8 to 10 feet. Dozens of arborists and tree trimmers die on the job each year according to the Occupational Safety and Health Administration. This includes workers for landscaping businesses and tree trimming companies as well as private self-employed arborists.

Be at least 18 years of age Have a valid Drivers License or USA Issued Identification. Some of the coverage options your agent may recommend include. Whether the tree service business has employees or not there is a certain amount of liability inherent in the work.

To get a tree service license in California you must prove a minimum of 4 years journeyman level experience and pass a two part state exam with the Contractor State License Board. Make sure to have the Companys insurance agent fax or e-mail it to you directly. It can cover medical bills for work-related injuries.

Workers Comp Coverage for Tree Service Businesses. You might need insurance to. This is most cases is.

Legally no licensing is required for tree service companies other than a regular Occupational License. This basic liability policy covers many of the liability risks all businesses face such as property. When you sit down with a commercial insurance agent you will have a number of choices to make.

Accident insurance is a more specific type of insurance different than general liability. A business may have been issued an exemption from workers compensation. To qualify for an exam date you must meet the the following requirements.

A tree service should carry BOTH full liability insurance and worker comp insurance. So in Virginia to be in compliance with the law a tree service needs to be licensed in the town they are from and in areas they practice in. The same is required in Oakland where certain types of trees are protected meaning its a coast live oak four inches or larger in diameter or four and a half feet above ground or its another type of tree thats nine inches in diameter or larger.

About Insurance Policies for Tree Care Work. A tree service company may also be called upon to remove dead trees or provide treatment for a tree that is showing signs of disease and decay. Tree Trimming Insurance Policy Information.

Weve been helping arborists find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. This type of insurance usually will have coverage of at least 500000 to 1 million dollars.

Start work on a project. Personal and Property Damage Liability Insurance and Workers Compensation Insurance are both very important. Clients and local governments might ask you to have active insurance usually general liability or workers compensation.

Its a hefty sum accounting for a business license liability insurance disability insurance a warehouse auto insurance equipment insurance umbrella insurance and workers comp.

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