Services To Be Considered When Insuring Arborists
Arborists offer many services to their customers that all come with their own unique risks. When choosing a business insurance policy for a tree services client, it is very important to note all of the activities that they partake in. Doing so will enable an insurance agent to find a policy that grants total protection to their clients and lowers the arborists’ risk of getting caught in a coverage gap.
With 20 years of service in the industry, the team at LandPro / TreePro, the largest national insurance program for landscapers and tree services, has been able to build a scope of the types of services typically offered by a tree services operation:
Pruning / Trimming
Pruning or trimming a tree is a standard maintenance practice for keeping trees healthy and looking presentable. It’s the act of removing branches to improve the shape and growth of the tree. The branches removed are usually unhealthy / dead branches or limbs that are rubbing together.
Tree removal can be done for a myriad of reasons from a home owner just being tired of looking at it to ordered removal from a town inspector because it has become a danger and will likely fall soon. No matter the reason for removing a tree, it is a dangerous operation that is best left to the pros. The arborists need to ensure the tree comes down where they want it to in order to avoid any damage to the home owner’s property. There are many inherent risks with tree removal, and coverage for any damages due to a tree removal gone wrong is a must for any tree service venture.
Tree Repair / Cabling
Tree cabling essentially involves the installation of cables and hardware to lower the risk of limbs falling off of a tree. The cables are there to help support the weight of a branch and as a safety precaution for snowfall. The added weight of snow can snap limbs off of trees, the cabling is there to reduce the chance of that damage occurring.
Stump grinding is the follow-up procedure to tree removal in order to grind down the stump that is left behind after a tree is cut down. It is done with the use of a rather large machine that slowly grinds down a stump with large saw blades.
Spraying of Pesticide or Herbicide
It is one of the less common practices for tree service professionals, but it is an exposure that most certainly exists in tree service operations. Pesticides keep insects away that damage trees and herbicides are used to prevent or get rid of invasive species like weeds and poison ivy.
Other Exposures That Can Be Found In Arborist Services
- Firewood or mulch sales
- Green waste recycling (lawn clippings, leaves, weeds, branches)
- Snow removal
As any can see, tree service businesses offer an array of services outside of tree maintenance and removal. It is important to note the exposures that arborists are involved with in order to build them an insurance policy that offers effective risk management. Due to this wide range of services, arborists need a program that is tailored to their industry to ensure the best protection their business can get.
For more information on arborist insurance and risk management , visit LandPro / TreePro.