Tree trimming and tree removal can be a risky business and its important to have the correct insurance coverage. Did you know that traditional landscape and landscape gardening insurance policies do not cover damage caused in the course of trimming trees? That’s correct, unless your policy specifies that you have coverage for tree trimming and removal, it doesn’t.
Tree trimming operations normally have to get insurance coverage through an E & S – Excess and Surplus Lines insurance carrier to cover their tree trimming operations. This specialized coverage is very expensive, complicated and cumbersome to renew and pay for. In addition, if the agent is not experienced, they can leave off important coverage. Dealing with E & S insurance is never fun for the agent and especially for the consumer.
The great news is that Anderson Insurance Group offers a preferred and admitted insurance program for Utah tree trimmers that have three years of claim free insurance experience. This program will not only save you money on your tree trimming and removal insurance program it will allow you to conveniently combine coverage for general liability and equipment on one policy. In addition, we offer flexible billing options, no more dealing with expensive premium finance companies to pay your coverage.
A typical small Utah landscaper with one owner and two employees who dedicates 80% of their time to landscape maintenance and snow removal and 20% of their time or payroll to tree removal can pay as little as $100.00 per month//$1200.00 per year for the general liability portion of their insurance coverage.
Contractors Errors and Omissions coverage for Utah tree trimers will add an additional $250.00 per year. (just in case you cut down the wrong tree)
Voluntary Property Damage coverage should be added for an additional $50.00 per year. This will cover you for unintentional damage to the real property of others while that property is under your care, custody, or control.
Payroll is the biggest factor that will determine your insurance premiums. Companies that are 100% dedicated to tree trimming will pay more than landscapers who may trim trees on occasion.
While it’s not necessary to have a license to trim trees in Utah there are certifications that a tree trimmer can obtain that will help them prevent insurance claims and thus keep the cost of their insurance lower. In addition, if an insurance underwriter is aware you have these certifications they will be more likely to offer a better rate and/or coverage. Here’s a quick list of the certifications an arborist can get in Utah:
- ISA Board Certified Master Arborist
- ISA Certified Tree Worker Climber Specialist
- Registered Consulting Arborist (RCA)
Call us today for the best tree trimming insurance in Utah.
Anderson Insurance Group – Salt Lake City UT – 801-262-1551
