Tree Service Insurance in Vermont

WHAT IS IT? WHO NEEDS IT? COVERAGES OFFERED

Tree service insurance is a specialized form of commercial insurance for arborists. These policies typically bundle multiple coverages, allowing arborists to tailor the policy to their specific needs.

Most tree service professionals in Vermont should have arborist insurance. It's broadly recommended if a business offers tree trimming, tree removal, stump grinding or municipal tree care.

• Commercial Building Coverage
• Commercial Contents Coverage
• Inland Marine Coverage

What is tree service insurance?

The work of arborists comes with inherent risks. Accidents can occur when working on trees, equipment can be stolen when stored at worksites, facilities can burn down, and any number of other emergencies could arise. While having tree service insurance won't prevent accidents and emergencies, it can provide arborists in Vermont with valuable financial protections if something ever does happen.

What Vermont businesses should have arborist insurance?

Most tree service professionals in Vermont should have arborist insurance. It's broadly recommended if a business offers tree trimming, tree removal, stump grinding or municipal tree care.

Arborists that specialize in tree pest management may also want this type of policy. More general exterminators and pest management services will likely be better served with a different policy that's not so specific to tree work, though.

What coverages are available through arborist insurance policies?

Arborist insurance policies typically offer a mix of property and liability coverages. Property coverages mainly protect business-owned assets, while liability coverages mainly safeguard against scenarios where a business could be sued by another party.

Some property coverages that are commonly offered in these policies include:

Commercial Building Coverage, which may cover an owned office or storage facility.
Commercial Contents Coverage, which may cover equipment kept at a business facility.
Inland Marine Coverage, which may cover equipment when driving to/from customer locations.
Equipment Breakdown Coverage, which may cover essential equipment if it malfunctions and requires immediate repair.

A few commonly offered liability coverages include:

General Liability Coverage, which may cover common accidents resulting in harm to a third party (e.g. a customer).
Product Liability Coverage, which may cover injuries and illnesses caused by products that an arborist uses or sells.
Errors and Omissions Coverage (E&O), which may cover incorrect advice that an arborist gives to a customer.
Commercial Umbrella Coverage, which may offer an additional layer of liability protection for expensive lawsuits.

For their work vehicles, arborists often also need commercial auto coverage. This typically includes protections both for the vehicle and against accidents, and is readily available through most arborist policies.

Mike Bancroft is simply an amazing agent. When my business got burglarized, I was so upset and didn't know what to do. He was very prompt in calling me back and he put my mind at ease. He made me feel so much better and handled all of the paperwork immediately. His customer service is top notch and I highly recommend him!

Becci Kepnes-Letourneau

Our business was with the same trusted agent for over 20 years. Mike Bancroft offered to evaluate our policies and see if he could save us some money on both Workmen's Comp and general liability. He did, and in the process even moved us to better coverage. Mike also offers a superb quality of service. Cannot recommend highly enough.

StoryWorkz Creative

Mike Bancroft has been great to work with. He has assisted with my Business Auto, Tool Coverage, Homeowners and all other types of insurance needs. I wouldn't be surprised if they change their name to Paige, Campbell & Bancroft soon!

Lance Garrett

Extremely prompt, personable, and professional service! Despite only needing a workers' comp policy for one employee, Paige & Campbell was very receptive and ensured to shop my policy around to ensure I received a great price that was almost half of what another broker quoted me.

Jennifer L.

Do arborists need to carry workers compensation?

Workers compensation typically protects against work-related injuries that employees might sustain – a definite risk in the tree service industry. Most arborists are required to carry this protection by state law, as it's generally required when a business has employees.

In the case of a self-employed arborist who works alone, workers compensation probably isn't required.

Whether workers compensation is included within an arborist policy depends on the specific policy. Sometimes it's available through an arborist policy, and other times it needs to be purchased separately. A separate workers compensation policy can easily be purchased, if it's needed and not included within a chosen arborist policy.

How much are premiums for workers compensation?

Premiums for tree service policies can vary significantly. Many factors influence cost, with the following being just a few of the numerous details that insurers check:

Business location
Service area
Types of services offered
Industry experience
Equipment used
Any recent claims

To get a clear idea of cost, an independent agent will be able to help arborists compare custom quotes from different insurance companies.

How can Vermont arborists get tree service insurance?

If you need assistance finding tree service insurance in Vermont, contact the independent insurance agents of Paige & Campbell Insurance. Our agents have the expertise necessary to help you make sure you're well protected with an arborist policy.

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