Tree service insurance policies can vary, depending on the type of business. A tree service agent can help you select an appropriate insurance package that covers your specific needs. Regardless of the type of business you own, obtaining a comprehensive liability insurance policy is an important part of protecting your operation. It is especially important if your company has significant contact with customers, vendors, or bystanders. In addition, a comprehensive liability policy will help you deal with unexpected costs such as settlements and litigation.
A tree service policy should cover damage or injury to customers and property. Many of the largest claims are for work-related injuries and property damage. This is why you need comprehensive workers’ compensation coverage for your employees. You are also required to have OSHA compliance training, which covers injuries and property damage that occur on the job. For these reasons, it is important to purchase this coverage. A comprehensive workers’ compensation policy is an absolute necessity for any tree service business.
A tree service insurance policy should cover the costs of legal fees and medical care. This coverage protects you and your workers against lawsuits. A general liability policy will cover the cost of any legal action brought by a client. A professional liability policy protects you from the consequences of negligence if you provide inaccurate information or advice. Errors and omissions insurance will protect you if your client is unhappy with the results of your work.