Orlando, Fla.—We know the drill, literally! At this time of the year, folks with a Tree Trimming business have their period of great prosperity and economic growth. Clients everywhere in Florida, Georgia, and Texas, which are states at high risk for hurricanes to hit, need to keep their yards well maintained to prevent further damages to their properties.
But workers who provide this valued services, as skilled as they are, find themselves at high risk of an accident while performing their jobs.
If you own a business of this type, by now you probably know that employers conducting work in Florida are required to provide workers’ comp insurance for their employees based on the type of industry: Construction - One or more employees, including the owner of the business who are corporate officers or LLC members.
Non-Construction - Four or more employees, including business owners who are corporate officers or LLC members.
Also, if you manage trees and shrubs professionally, you may need an arborist coverage for the risks you will encounter at work. There isn't a special arborist or tree trimming insurance for tree care professionals, but it is important to assess your companies specific insurance risks and choose the right coverage to protect your business investment.
Who Needs Arborist Insurance?
Tree removal specialists
Tree trimmers and pruners
Municipal tree care professionals
Tree pest management specialists
Landscape gardening professionals
We may see it all very simple, and may think someone with the proper skills should stay away from danger at all times, but the following are some of the risks you need to keep in mind:
- Damage to other people's property
- Injury to others due to negligence, equipment malfunction or use of toxic substances such as pesticides
- Loss, damage or theft of your tools, equipment or vehicles
- Job-related injury or illness that you or your employees experience
- Errors and omissions exposure, due to tree care and landscape consulting or advice that leads to a loss
- Accidents you or your employees may cause while driving your commercial vehicles
In summary, below we describe some of the existing insurance protections for businesses like yours, such as:
General Liability Insurance
It covers instances of bodily injury, property damage and other liabilities for which your business is responsible.This type of insurance coverage is required by more and more clients in order to give you the job.
Commercial Auto Insurance
If you use your vehicle to transport work supplies such as mowers, fertilizer and tools, you’ll likely need a commercial auto policy because you will find that a standard auto policy may have coverage limitations and/or restrictions for vehicles used by landscapers including like trucks, pick-ups, and utility trailers.
Workers' Compensation Insurance
As mentioned before, this is the type of insurance that covers medical costs and a portion of lost wages of employees who become injured or ill on the job. It also protects your business from lawsuits by employees for workplace conditions that can cause injury or illness.
Business Owners Policy
Also known as BOP insurance, is a policy that combines property and liability coverage into one package. It’s very popular among small and medium-sized contractors’ businesses.
At Garzor Insurance we specialize in commercial insurance coverage for businesses in Florida as well as Georgia, and Texas. If you have questions about business insurance, or any other commercial insurance aspects, do not hesitate to visit us online at Garzor Insurance, or you may also call us directly at (321) 206-8035.
Yaralyn Diaz, CSR
Commercial Lines CSR
View Yaralyn Diaz, CSR's Profile
Main Office - Orlando, Fl
Office Number: 321-206-8035