Business Auto Insurance for Tree Trimmers
Tree trimmers travel frequently as a requirement of their job, because they must go to individual locations to trim trees at customer requests. Increased driving puts your company at risk of someone having an auto accident. Whether your employees drive personal vehicles to a tree trimming location or whether you’re driving a company owned chipping truck, auto accidents can be extremely expensive and difficult to recover from. That’s why it’s strongly recommended that you carry tree trimmers auto insurance.
Business auto insurance for tree trimmers helps limit the financial damages that can occur with an auto accident. An auto accident might damage or destroy a vehicle your employee is driving and the professional tools or tree trimmer’s equipment he is carrying onboard. You can choose to structure your coverage so that your business auto insurance provides protection from potential vehicle damages and equipment losses, as well as damage created by collisions, rollover accidents, or theft, fire and weather events. If you or an employee is physically injured, bodily injury coverage pays for the necessary emergency and medical care expenses.
Commercial Auto Liability Insurance For Tree Trimmers
Commercial auto liability insurance for tree trimmers helps protect your company and other drivers all at once. This insurance is required by law in most states, and it pays for damage or bodily injuries when you or one of your employees causes an auto accident. Business auto insurance for tree trimmers protects you from having to pay all of the expenses yourself, and protects other drivers from having to pay for damages or injuries they didn’t cause. A business liability auto insurance policy provides coverage for you and your employees if you’re driving for job or business purposes. When employees are hauling tree limbs from a work site for example, or delivering tools and machinery, your tree trimmers commercial auto insurance coverage protects you.
Combined Single Limits
A combined single limit policy is also known as CSL coverage. This type of protection provides you with one fixed total maximum payout amount per auto accident. This policy does not limit benefit amount based on the type of damages that occur. Instead, it simply provides you with one total coverage amount to be applied as needed. If, for example, one of your employees is at fault for an auto accident that creates minor injuries to people but a lot of property damages, ninety percent of your policy benefits may be applied towards property damage payments.
Split Limit Policy
A split limit auto insurance policy is different because it pays out benefits based on the types of damages the auto accident caused. The minimum amount of coverage you can carry is set by state law. Your business policy specifies the limits of your maximum payouts separately for bodily injuries or property damage.
For example, if you choose a split limit policy of $100,000/$300,000/$50,000 for your commercial tree trimmers auto insurance:
- Your policy would pay no more than $100,000 for each individual’s bodily injuries.
- Your policy will pay no more than $300,000 for the combined total of bodily injuries.
- Your policy will pay no more than $50,000 for the combined total of property damages.
Physical Damages Coverage
Physical damages coverage is an additional level of protection against the potential loss or damage of your company vehicles. For example, if one of your tree trimmer employees is driving the company log hauling truck and has a severe auto accident, that truck may be totaled. Physical damages protection will pay for the cost to replace that truck so that you don’t have to.