Arborist insurance is coverage for a variety of work-related risks associated with cultivating and managing trees. Arborists differ from tree trimmers because they require special training on preserving tree health.
Arborist liability insurance
Arborist liability insurance protects your business against many work-related risks, including third-party injuries and property damage. Arborists usually get their general liability insurance in the non-admitted market, which is also called excess and surplus lines (E&S).
E&S carriers follow different regulations than standard insurance companies, which gives them more freedom when writing policies. This freedom means they can cover new or high-risk businesses, like arborists, that standard insurers can’t protect.
Small business owners can secure the same amount of general liability protection in the E&S market that they would get with standard carriers. They also receive the same level of service, including the ability to speak with an agent and file claims.
Starting a quote is the best way to get arborist liability insurance.
Arborists and E&S Insurance
Arborists are in the E&S market because tree work is high liability, especially when it occurs at height. General liability insurance could safeguard your business in various situations. For example:
- A falling branch from a tree you’re trimming damages someone’s property.
- You improperly prune a homeowner’s tree, and it dies as a result.
- Stray tools on a job site injure a customer and lead to a medical bill.
An agent can review these common risks associated with your job and help you pick the right coverage for them.
How much does arborist insurance cost?
Arborist insurance cost depends on several factors, including your coverage needs, number of employees and claims history. Your exposure to risk also affects what you’ll pay.
Arborists need to get general liability insurance from the E&S market, which means their premium might be higher than a standard market plan. E&S insurance usually costs more because these carriers support expensive claims that typical insurers can’t handle.
Other contractor professions, like landscaping, will usually have lower insurance rates than an arborist. These jobs both deal with plants, but they have different responsibilities and risks.
The best way to find out your insurance cost is to get a quote.
Arborist insurance quote
An arborist insurance quote from Progressive Commercial can help you understand your coverage options and potential premium.
We work with highly rated E&S insurers to provide you with stability, options and expertise. Our goal is to connect you with the best insurance for your business.