Tree Trimming Insurance

Tree trimming is a risky business.

You work too hard to let something like a coverage gap stand in the way of achieving your goals. You deserve a mindful insurance policy that was designed around the specific needs of your unique operation.

Tomins takes the headaches out of business insurance for tree trimmers with our convenient 24-hour online portal, freeing you up to focus on what’s truly important — running and growing your tree trimming business. 

Backed by the expertise and experience of Higginbotham, tree trimming insurance from Tomins is designed with your business in mind.

We understand the unique needs of a tree trimming business and are ready to design a policy perfectly tailored for you. From basic business owners insurance to any of the more-specialized types of coverage your unique situation needs, Tomins has you covered.

You deserve an insurance partner that works as hard as you do. Tomins — mindful insurance today, successful tree trimming business tomorrow. 

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Do I Need Tree Trimming Insurance?

Having the right insurance is one of the most important keys to success in today’s fast-paced business environment. 

In addition to the daily job-related risks and legal liabilities that you’re certainly aware of, you may be surprised to learn about many other risks involved as a tree trimmer— risks that go far beyond those covered by a standard insurance policy.

From a flood at your office to your employees getting injured to having important documents and records damaged or lost, you need coverage from an insurance partner that knows your business as you do.

Tomins’ deep understanding of the unique needs of an electrical contractor helps us design a perfectly tailored policy to your specific needs. From professional liability insurance for electrical project managers to business owners policy (BOP) insurance and general liability coverage, Tomins has you covered.

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An older tree trimmer standing on a short ladder trimming some bushes at a clients property, wearing a green shirt tucked into blue jeans

What Tree Trimming Coverages Do I Need?

As a self-employed tree trimmer, you should probably consider a Commerical Package Policy. A CPP is designed to protect your business’s buildings, property, and other business assets. It also protects you from legal liabilities created by your business operations.

A typical CPP for a tree trimmer has three basic coverages — all important for every type of business to carry:

  1. Commercial Property Insurance: Commercial property insurance covers your office, property, and assets in the unfortunate case of a loss or damages.
  2. General Liability Insurance: General liability insurance is one of the most common and important coverages in the small-business world — well beyond the world of insurance for tree trimmers. It should generally be included in every small-business insurance policy. General liability coverage can protect you against financial loss from lawsuits filed against your business.
  3. Electrician Business Income Insurance: This insurance is designed to protect against an unexpected loss of income. For example, in the unfortunate case of a flood at your shop, your business income insurance would help cover lost wages while you rebuild or recover.

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If You Consult or Install Security Systems, You May Need Additional Coverage

Depending on the unique operations of your business, you may also require additional coverages.

 Some options you may want to include in your policy include (but certainly are not limited to): 

  • Employment Practices Liability (EPLI): EPLI is designed to cover the cost of legal judgments related to hiring, termination, sexual harassment, and discrimination against employees.
  • Workers’ Compensation Coverage: If you have employees, you probably need workers’ compensation insurance. This coverage can protect an electrician from legal damages an employee might seek for workplace injuries. It can also cover the cost of medical bills, wage replacement, and more for an injured employee.
  • Cyber Liability Coverage: Like E&O, cyber liability insurance is especially important if you work installing or servicing security systems. This coverage also protects you against data loss and covers costs related to restoration, legal liability, and extortion resulting from a data breach or a cyber-attack compromising the personal or financial information of your customers.
  • Commercial Umbrella: This is extended coverage that protects you beyond the general aggregate limits of your standard policy.

Why You Need a Tailored Electricians Insurance Policy

In addition, Tomins Tree Trimming Insurance offers fully customizable coverage for any individual situation. Our specialized policies can also include:

  • Limited Care, Custody, or Control Property Coverage
  • Important Record and Document Coverage
  • Employee Benefits Liability Coverage

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What Does Tree Trimming Insurance Cost?

Just like the cost of each job you bid depends on the work being performed, tree trimming insurance varies in cost depending on the unique circumstances of your business.

While it’s difficult to quote an exact price without knowing the specifics of your operation, you can trust Tomins to offer the right coverage at the right price.

Every time.

Get your free personalized Tree Trimming Insurance quote now.

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What Do I Need to Get a Tree Trimming Insurance Quote?

At Tomins, we are in the business of making tree trimmer insurance easy. Start your free, personalized insurance quote now at our online quote page. To make sure we can provide the most accurate and competitive quote possible, it helps to make sure you have the following information available when you apply:

  • Business address and tax ID 
  • Income for your most recently completed fiscal year 
  • Number of employees you currently employ
  • Information about other insurance you currently hold
  • Volume, nature, and storage method tenant or client data  
  • Proof of professional licensing and other relevant certifications or permits  
  • History of past claims (at least three years) 

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