Landscaper and Arborist Insurance in Connecticut: Coverage for Outdoor Contractors in Stratford, CT 

Outdoor contractors in Stratford, CT operate in a demanding market. Whether you run a lawn care crew or specialize in tree removal and pruning, the right insurance coverage financially protects your business, your employees and the clients who depend on you.

Coverage Built for Outdoor Contractors

Landscapers and arborists face risks that standard business insurance policies often overlook. A tailored program typically includes:

• General liability insurance—May help cover property damage and bodily injury claims arising from your work

• Commercial auto insurance—May help cover trucks, trailers and towing vehicles used on the job

• Workers’ compensation—May help cover costs for employees injured while operating equipment or working at height

• Inland marine coverage—May help cover tools, equipment and machinery in transit or on a job site

• Commercial umbrella insurance—May help extend your liability limits when a major claim exceeds your underlying policy limits

Why Arborists Need Dedicated Coverage

Tree work carries a higher injury rate than most outdoor trades. Climbers, ground crews and equipment operators all face serious hazards, and a falling limb can damage structures or injure bystanders. Standard policies may exclude or limit coverage for tree work performed at height, which means arborists performing this work may require a policy specifically written to cover tree care operations. Working with a team that understands the arborist trade means your policy reflects the work you actually perform.

Connecticut also has a licensing requirement for certain tree care work. Confirming that your insurance aligns with your licensed scope of work is essential to avoiding uncovered claims.

Protecting Your Equipment Investment

Commercial landscaping equipment represents a significant capital investment. Inland marine and commercial property coverage can help you recover quickly after theft, vandalism or accidental damage, keeping your crews on schedule.

Get Coverage That Fits Your Operation

Contact AJ Gambardella Associates, LLC to review your current coverage and explore options matched to your business. We work with multiple carriers to find policies suited to landscapers and arborists throughout Stratford, CT.