What Insurance Do Arborists and Tree Service Companies in Connecticut Need? 

Arborists and tree service companies in Connecticut face different risks every day, from working at heights to operating heavy equipment near homes and businesses. Having the right insurance policies is essential for your team, clients and operations.

AJ Gambardella Associates, LLC is here to help you secure coverage that fits your needs.

What Policies Should You Carry?

Our team typically recommends the following policies:

• General liability insurance: This covers claims of third-party property damage or bodily injuries that arise from your operations. For example, if a falling branch damages a client’s roof, this policy can help with repair costs and settlements.
• Workers’ compensation insurance: This coverage helps pay for medical expenses and lost wages if an employee is injured or becomes ill due to an at-work incident.
• Commercial auto insurance: This covers vehicles used for business purposes against damage caused by accidents and non-collision events, and covers damage you cause to others while operating a company vehicle.
• Inland marine insurance: Standard property insurance may not cover tools and equipment that move from site to site. Inland marine insurance covers chainsaws, climbing equipment and stump grinders against theft, loss, or damage wherever you’re working.
• Umbrella liability insurance: This can provide extra coverage above the limits of your other liability policies, which can be beneficial if you take on large or complex projects.

How Our Team Can Help

We work closely with Connecticut arborists and tree service companies to assess their risks and recommend coverage tailored to their operations. Our team understands local regulations and the specific exposures these businesses face and is dedicated to recommending policies at competitive prices.

Contact us today to discuss your coverage options or request a quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.