What is Tree Service Insurance?
Servicing trees comes with inherent risks, including personal, property and liability risks. Purchasing tree service insurance is one way that arborists in Massachusetts can financially protect themselves from some of the risks that they face.
Tree service insurance is a specialized commercial insurance that’s designed specifically to suit the needs of arborists and their businesses. Because arborists face multiple risks, these insurance policies typically come as package policies that have several coverages within them.
What Massachusetts Businesses Need Arborist Insurance?
Most Massachusetts tree service businesses can likely benefit from the protections that arborist insurance affords. This includes (but isn’t limited to) businesses that offer the following services:
- Tree removal
- Tree pruning and trimming
- Tree pest management
- Municipal tree care
- Landscaping services
- Hardscaping services
Moreover, businesses in this line of work generally should have insurance regardless of how large or small they are. Both statewide companies and individual sole proprietorships can face claims and need protection. Even individuals who provide tree services part-time should probably consider purchasing a policy.
An insurance agent who specializes in arborist insurance can help businesses decide whether this insurance is appropriate for their situation, and what specific arborist policy to get if insurance is deemed necessary.