Coverage areas to review
General liability
General liability is generally aimed at third-party bodily injury and property damage arising from your operations, subject to the policy that applies. This class frequently carries specific endorsements, restrictions or conditions, so the wording deserves an actual read rather than an assumption. Height limits, crane use and work near utility lines are the provisions most often overlooked.
Workers compensation
If you have employees, tree work sits among the higher-rated classifications, and that reflects real injury severity. An accurate description of the work is important, because a description that understates climbing or removal work can create problems at audit or at claim time. Whether crew leaders are employees or subcontractors is a frequent point of confusion.
Commercial auto
Bucket trucks, chip trucks, dump bodies, log trucks and the trailers hauling chippers and grinders. Weight, towing and the radius you travel all factor in, and storm work often pushes crews well outside their normal territory.
Equipment, rigging and what sits on the trailer
Chippers, stump grinders, aerial units, saws, ropes and rigging represent significant value and are frequently targets for theft when left on a trailer. Whether equipment is covered on the road, at a jobsite and at your yard is worth confirming separately.
This page is general information, not legal, safety or coverage advice. What a policy actually covers depends on your business operations and on the policy, carrier, terms, conditions, limits and exclusions that apply. Nothing here confirms eligibility or guarantees that any coverage is available to you.
