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Tree Trimmer Liability Insurance

Tree Trimmer General Liability Insurance policy is designed to protect your business from potential risks. This coverage can help if a third-party claims damage or injury due to your work, covering medical expenses, legal defense, and even judgments for covered losses, up to the limits of the policy. Whether it’s an accident involving a tree falling on a home or a bystander injured on the job site, general liability insurance can provide a safety net, so you’re not stuck paying out of pocket.

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General Liability
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Worker's Comp
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Tools Coverage

Is Tree Trimmer Liability Insurance Required?

Yes, in many cases, tree trimmers are required by law to have general liability insurance, especially when working on commercial properties or bidding for government contracts.

For example, states like California, New York, and Florida mandate that businesses carry this type of insurance if they employ workers or operate within city limits. Some local jurisdictions may also have specific requirements for tree trimmers to ensure public and property safety.

What's Covered Under Tree Trimmer General Liability Insurance?

Tree trimmer liability insurance typically covers a wide range of accidents that can happen during tree-trimming work. For example:

  • Property Damage: If a branch falls and damages a customer’s home, fence, or vehicle.
  • Bodily Injury: A pedestrian passing by is injured by equipment or falling debris.
  • Medical Payments: Covers the medical expenses if someone is hurt due to your work.
  • Legal Fees: If you're sued for damages, the policy can help cover attorney fees and court costs.

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What Does Tree Trimmer Liability Insurance Not Cover?

Not everything is covered under tree trimmer liability insurance. Here are a couple of things that are not typically included:

  • Employee Injuries: If your worker is hurt on the job, general liability won't cover it. You’d need workers’ compensation insurance for that.
  • Professional Errors: If the tree trimming leads to long-term damage due to improper care (e.g., the tree dies due to over-pruning), general liability won't cover these errors. For that, you’d need professional liability insurance.

Other Insurance Tree Trimmers Typically Carry

Tree trimming businesses often need more than just general liability coverage. Other common policies include:

  • Tools Coverage: Protects your equipment in case it’s damaged or stolen.
  • Auto Insurance: If you use vehicles to transport workers or equipment, you’ll need commercial auto insurance.
  • Surety Bond: A bond may be required by your state or for certain contracts to guarantee your work.
  • Workers' Comp: If you have employees, workers' compensation is required in most states to cover workplace injuries.
  • Excess Liability: Also known as an umbrella policy, this gives extra coverage beyond your general liability limits.
  • Professional Liability: Helps if you’re accused of professional errors or negligence in your work.

Get Tree Trimmer Liability Insurance with USA Insurance

At USA Insurance, based in Burbank, CA, we’ve spent nearly two decades helping businesses protect themselves with the right coverage. Our agents are experts in commercial insurance, licensed in all 50 states, and dedicated to providing you with the best protection possible. Whether you're a tree trimming pro or a new business owner, we've got you covered. With 99% customer satisfaction, we specialize in tailoring policies that fit your specific needs.

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