Tree Trimming Business Insurance California Coverage

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Tree Trimming Business Insurance

JVRC Insurance Services is committed to providing the most viable but cost effective coverage’s for tree trimming businesses because we understand the challenges they face when buying insurance, especially workers compensation insurance. Tree trimming business insurance is considered such a high risk, most carriers will refuse to offer the product. In fact, only 1% of the California workers comp insurance market will even consider the tree trimming risk and the most of the time it is written with the last resort carrier, State Compensation Insurance Fund (SCIF). Here at JVRC, our high-risk alternative markets will write tree trimming exposure which sets us apart from our competitors and ensures that our insureds will get the most affordable rates.

Whether a landscaper, tree remover, or one who specializes in tree trimming only–from the smallest to the highest exposure– all face the same challenges, especially with workers comp. Whether you are classified under class codes 0042 (landscaping) and or 0106 (tree trimming), we have the necessary solutions to the ongoing workers compensation challenges. Arborist insurance in Los Angeles and California is extremely expensive. Make sure to get multiple quotes.

With all the liabilities tree trimmers face, it is important to be fully covered. We can write every coverage line that you need on your checklist including:

Workers compensation
General liability
Professional liability
Product liability (if you sell products like tools, sprayers, chemicals, fertilizers)
Business property
Inland marine
Commercial auto

We appreciate the hard work tree trimmers do and the necessities they provide with such difficult challenges. We are dedicated to taking care of their businesses with the same hard work that they give to help our community. From the simplest trimming services with shears or loppers to the most complicated projects involving chainsaws, boom lifts, and wood chippers, no service is too risky for us to take on. All tree trimmers are welcome to call us today for a California business insurance quote!

Get a Business Insurance Quote

Frequently Asked Questions about Business Insurance

Are all California businesses required to carry Workers Compensation Insurance?

ALL California employers must provide coverage for their California employees

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.