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Florida Tree Trimmers Insurance quote and information.

  1. How do insurance companies define Tree Trimmer?
  2. What risk exposure do Tree Trimmers have?
  3. What is the price of Tree Trimmer insurance?
  4. Is insurance for Tree Trimmers required in Florida?
  5. What coverages are common to Tree Trimmer businesses?
  6. Can you provide insurance anywhere in the state?

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How do insurance companies define Tree Trimmer?

Tree surgeons may be involved not only with the pruning or care of existing trees, but also the planting, transplanting, bracing, spraying, and removal of trees. Trees are used not only for aesthetic purposes, but also as wind breaks and to prevent soil erosion, especially on hillsides and other contoured land. Tree surgeons may be involved in emergency work to the extent of removing and disposing of trees after storms or other disasters.

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What risk exposure do Tree Trimmers have?

Property Exposures
Can be simple office and vehicle or equipment storage, or may include greenhouses and nurseries to grow stock. Whenever vehicles are maintained or repaired within buildings, fire potential increases.

Unique to this type of operation may be the sale of live and growing plants, shrubs, bushes, trees, or flowers. These may be in a structure such as a greenhouse or outside in a yard (nursery) exposure. Both the structure and the growing stock are susceptible to damage by fire, wind, hail, and vandalism. The stock (generally saplings) is also vulnerable to loss by frost and animals or insects. Older greenhouses may also suffer damage by glass breakage, since they are typically made with the lowest grade of plate glass, whereas the plastic used for newer greenhouses may show serious damage by the sun. Specialty coverages that are designed specifically for growing stock to cover the loss causes of natural elements may be needed.

There may be backup systems or generators employed to prevent freezing or other temperature losses.

Fire hazards can be high from the flammables used in the repair operations such as solvents, degreasers, and the chemicals in fertilizers and insecticides. These must all be well controlled, labeled, and separated with proper storage in the appropriate containers and storage facilities.

Inland Marine Exposures
Consist of tools and equipment and goods in transit. Tree surgeons may have hand tools (such as pruning shears and chain saws) and scaffolding and ladders, or even equipment for digging (such as back hoes). Potential losses may include falling from heights or theft by third parties or employees.

Goods in transit may be damaged by collision and upset or fire. The transport of fully grown trees is rare (except for disposal), but when it occurs, the stock is unique and may be of high value.

Boiler and Machinery Exposures
May be present for some tree surgeons, especially if they are involved in the disposal of large trees. Chippers and hoggers are used to grind up trees into chips, and may be damaged by metal objects embedded in the wood, or they may break down during use. Generators and units employed to prevent damage to stock from freezing may also suffer mechanical breakdown. Some of these may qualify as production machinery.

Premises Liability
Hazards vary depending on the operations being performed. During trimming and cutting of trees and branches, hazards may include dropping tools or branches, which may injure persons, damage vehicles or other property, or fall onto power or communication lines. Root removal may cause underground damage to water, sewer, gas, electrical, or communication lines. Failure to control access by outsiders may increase the hazards. Use of chain saws on trunks or limbs and the use of chippers for disposal may result in flying debris that can cause serious bodily injury. The tools may also be an attractive nuisance.

A major concern is the application of chemical fertilizers or pesticides. Chemical applications produce premises, products, and workers compensation hazards that could result in serious long-term injury, illness, or disease to customers, passersby, and workers. Chemical overspray may also result in damage to vehicles or other property. The controls in place during application, the warnings used as well as the protection afforded and required of workers are all important items to evaluate.

Environmental Impairment
Has significant concerns. Any type of chemicals will result in significant disposal and waste treatment hazards. Lack of awareness of and compliance with all EPA and local standards is a significant concern.

Automobile Exposures
Hazards may be very limited if the service is maintenance only and does not supply plants. However, the more plants and large trees transported the heavier the exposure. Vehicles may be custom designed with specialty equipment, such as lifts, cherry pickers, tree removal equipment, and tree planting equipment. Another concern is chemical spills, especially following collision or upset of the vehicle. Training and prior records of drivers, as well as condition and maintenance of vehicles, are the items to consider.

Workers Compensation
Exposures come from the operation of machinery and equipment and the resultant exposure to cuts and injury. Back injuries, hernias, and sprains and strains are all common claims. Any time work is done on ladders and scaffolds, especially during the pruning, bracing, or surgery operations, there is a potential for injury from falling or being struck by falling objects. Careful controls are necessary, as is good maintenance of equipment such as lifts, ladders, and safety equipment. Chemical applications may cause lung problems along with allergic reactions and other more serious complication.

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What is the price of Tree Trimmers insurance?

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Is insurance for Tree Trimmer required in Florida?

We are sorry, we haven’t posted an answer to this question yet. Ask us now and we will respond and
post the answer in one business day.

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What other insurance should a Tree Trimmers consider?

Business Personal Property, ContractorsÂ’ Tool and Equipment Floaters, Employee Dishonesty, General Liability, Employee Benefits Liability, Umbrella Liability, Commercial Auto, Workers Compensation

Can you provide insurance across the state?

We have helped customers all across the state of Florida. Below are some of the cities we have done business in.

  • Jacksonville
  • Miami
  • Tampa
  • St. Petersburg
  • Orlando
  • Hialeah
  • Tallahassee
  • Fort Lauderdale
  • Port St. Lucie
  • Pembroke Pines
  • Cape Coral
  • Hollywood
  • Gainesville
  • Miramar
  • Coral Springs
  • Clearwater
  • Miami Gardens
  • Palm Bay
  • West Palm Beach
  • Pompano Beach