Tree Care & Arboriculture
High-hazard risk management for bucket truck operations, crane-assisted removals, stump grinding, and utility line clearance.
Operational Risk Profile
Arboricultural operations involve severe, high-hazard exposures that standard commercial insurance policies frequently exclude. The primary risks center around working at significant heights, operating high-powered machinery, and managing unpredictable drop zones. Catastrophic third-party property damage from falling limbs, crane failures, utility line disruptions, and severe over-the-road commercial fleet exposures are inherent to the industry.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Specialized General Liability
Must be explicitly endorsed to eliminate height restrictions and specialized equipment exclusions, covering property damage from rigging or tree removal operations.
Inland Marine (Equipment Floater)
Essential to protect high-value capital assets—such as bucket trucks, cranes, stump grinders, and chippers—whether active on a job site, stored, or in transit.
Workers’ Compensation
Highly critical due to the elevated frequency and severity of injuries associated with tree climbing, rigging, and heavy machinery operation.
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