ALL California employers must provide coverage for their California employees
California Business Insurance for Arborists and Tree Trimmers
Tree trimming is a valuable industry that takes care of the community while dealing with risky working environments. California tree trimmers’ and arborists’ hard work and dedication should be matched with their business insurance quote to ensure full protection from the risks they face. It is because of these risks that they can experience trouble finding coverage at all, let alone competitive rates, particularly for workers compensation coverage. By understanding what you need will help you know what business insurance quotes to invest in to obtain what your business truly needs. Let’s take a look at these coverages for your California tree trimming business.
Insurance California Arborists and Tree Trimmers Need
Given your industry’s high-risk exposure for accidents, there are certain coverages that you need regardless of how big your company is or how specialized your services are. These coverages include:
- General Liability- this will cover you for accidents that result in third party injury or property damage while on the job or after a job, such as if someone tripped over a branch from a tree you trimmed on the sidewalk.
- Professional Liability- coverage for any mistakes or errors you or your employees make with regard to your industry knowledge, such as cutting down the wrong tree or accidently killing a tree.
- Workers Comp- if you have employees, this coverage is mandatory in the state of California to carry and will cover any employee injuries as well as lawsuits regarding employee injuries. Due to the potential for danger that your employees may face by climbing trees and using power tools, workers comp is extremely important. It is also a little more difficult for you to find so talking to an agency like JVRC Insurance who specializes in arborist’s and tree-trimming workers compensation will help you find this necessary coverage.
Additional Insurance Quotes to Consider
Depending on how your business operates, you may also consider the following additional coverages:
- Commercial auto- to cover your work trucks and other work-related vehicles
- Property- to cover your building and personal property
- Inland Marine- for your equipment that gets transported from place to place
- Pollution (with pesticide/herbicide endorsements) or Product Liability- to cover claims related to the pesticides you use and/or sell.
- Contractor’s equipment- to cover big equipment such as boom lifts, long-reach pruners, hydraulic saws, etc.
How to Get Started
Whether you are a California tree trimming business with a fleet of employees looking for workers comp or a one-man arborist, we can provide you customize and complete insurance quotes for your business. With our extensive access to multiple markets, we can offer you competitive rates for your high risk business so that you may focus on and invest more in your company. Call us here at JVRC Insurance Services today to discuss your business’ coverage needs and to receive a quote! You should be taken care of the way you take care of your clients and community.
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Frequently Asked Questions about Business Insurance
Why is California Workers Comp Insurance so expensive?
Largely because of claims that occur, experience modifications, fraud and payroll amounts statewide
Where do we get the information we post on our blog site?
The Department of Insurance website, The WCIRB, The Insurance Journal and many other trusted sources
What is an experience modification?
It’s a percentage that compares the payroll and loss history of your company to a similar-sized company within the same industry. For example, if a company has a better than average loss record, their experience modification would be less than 100%. If that is the case you would receive a credit on your Workers Comp rates. If that is not the case however it would result in the opposite, an increase in rates. The experience modification can be closely compared to an individual’s credit score.
Why is Workers Compensation Insurance a necessary requirement?
It is illegal in the state of California to not carry it. There will be penalties, fines and many other consequences if a worker is injured and you do not carry it. Furthermore if there is a claim and you do not have California Workers Compensation Insurance at the time the employer is still liable for all costs relating to the injury which can be devastating to any company.
How does your insurance carrier determine what your experience modification number is?
This is calculated based on your payroll, premium paid and by your reported losses for the last three consecutive years
Who regulates and makes California Workers Compensation laws?
The Department of Insurance regulates the laws and the State Senate makes them
What is a Classification or a class code?
It’s a component used determine the price an employer pays for their workers’ comp insurance premium. Classifications are established for each industry and typically include all jobs or operations within a particular business.