Tree service workers’ comp
If you’re a tree trimmer two things can be assumed: You work at great heights, and you work with sharp objects. To some, performing your duties off the ground is just as scary as working with large, powerful equipment. To do both at the same time is just plain risky.
We highly recommend arborists consider workers’ compensation insurance. This coverage protects you and your employees should you (or they) get hurt on the job. Not only does this policy protect your team, it also shields your business from the liabilities involved with your line of work.
Avoiding tree service workers’ comp because you think it’s too expensive? Here’s one thing we can guarantee: Odds are, an injury claim and potential lawsuit is much more expensive than the policy itself. If a claim occurs and you have a workers’ comp policy, medical fees and legal fees will be covered.
Do tree trimmers need workers’ compensation insurance?
Yes, arborists face many risks and liabilities while performing their day-to-day work. To you, working sky high is just like any other day. But just because you’re comfortable in your work environment doesn’t mean accidents can’t happen.
Tree service companies can greatly benefit from workers’ comp insurance because it protects you, your employees, and your business in the event of a workplace injury. Because of your line of work, the daily risks you face are greater than Joe Shmoe at his desk job.
You’re not doing clerical work, where one of your biggest risks is a papercut. You’re not dealing with one piece of paper — you’re dealing with a 100-year-old tree where thousands of pieces of paper come from. It’s only natural that the liability you face while on the job is greater.
Tree service workers’ comp requirements
Workers’ comp requirements depend on several factors. First, if you have employees, most states will require you to have a workers’ comp policy. Even if you don’t have employees, some states will require that you have coverage, depending on your entity.
While some states mandate you have coverage for your employees, you are not always required to have workers’ comp coverage for yourself. If you’re looking to save money on your workers’ compensation rate, see if you are able to exclude yourself from coverage.
However, keep in mind — saving money up front doesn’t mean it’s always the best for your bank account in the long run. If you get hurt while working, you will have to pay for medical costs out of pocket. If you require time off of work to heal from your injury, you will not have your lost wages supplemented.
Outside of state regulations, oftentimes hiring parties will require tree service companies to have their own policy, as well. This includes both general contractors and homeowners. Hiring parties require you to have your own policy so the liability is placed off of them.
By having your own Certificate of Insurance, not only is it easier to get hired, it’s easier to stay in business.
Arborist workers’ comp benefits
Here’s the main benefit of having a workers’ comp policy: If someone gets hurt, you’re not stuck with the bill. That’s truly the meat of it.
If you or an employee is injured while working, workers’ comp insurance will cover the medical costs associated with the accident. Whether you fall off a ladder, suffer from a faulty harness, or hurt yourself with a sharp tool, this policy will protect you — and your bank account.
If you or your staff is hurt so severely that you’re unable to return to work, this policy will cover lost wages — and will replace part of your income until you are well enough to return to work.
Need some assistance getting back in the swing of things? Most insurance carriers have established back to work programs, which offers tools and resources to help arborists feel better sooner and return to work faster.
In the unfortunate event you or someone from your team is injured to the point of being unable to return to work, you may be eligible for long term benefits.
Arborist insurance cost
The cost of tree service workers’ comp depends on several factors — mainly, what you do, how many employees you have, and the state you do business in. If you’ve had workers’ comp before, your loss history will also be a factor in determining the cost of your coverage.
Take a look at our detailed workers’ comp cost analysis to find out more about workers’ comp rates.
Looking to save on workers’ comp costs?
If you are a one-person business with no employees, find out if you are eligible for a minimum premium ghost policy.
Extra protection on tree service insurance
If you’re looking for additional coverage, an accident policy is a very easy and affordable way to provide extra protection.
Accident policies cover various expenses, including:
- Hospital admission
- Urgent care
- ICU admission
- Emergency room
- Initial doctor’s office visit
- Deductibles and copayments on your medical insurance
- Monthly expenses, like mortgage or rent, car payments, utility bills, and more
- Basic needs like childcare, transportation, groceries, and home maintenance.
We can help you save on workers’ compensation rates
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