Cover your business from the ground up with arborist and tree service insurance.
Your work involves a lot of travel and equipment.
Whether you’re a certified arborist or a tree servicer, your job requires you to travel out to job sites with your equipment in tow. What happens if that equipment gets damaged while you’re on the road? That’s where an inland marine insurance policy comes in. It may help protect your tools and instruments while you’re on the job site and traveling between locations. It’s a key part of your arborist and tree service insurance coverage.
Working as an arborist or tree servicer is dangerous.
There’s no denying the work you do is dangerous, which is why having a comprehensive arborist and tree service insurance policy in place is important. When you’re high up in the trees, anything could go wrong, which could result in an injury to you or your employees. You’ll need workers’ compensation insurance that specifically covers arborists and tree work to help make sure your employees get the compensation they need. Here are some examples of other coverage options you might want to consider in your arborist and tree service insurance policy:
- Business Auto
- Business Income
- Business Owners Policy
- Commercial Property
- General Liability
- Inland Marine
- Professional Liability
- Workers’ Compensation
Tree work doesn’t just pose dangers to your employees.
Just like anything can happen to your employees while on the job, anything could happen to your clients too. Say you’re working on a tree and a heavy branch gets away from you, crashing into your client’s house and breaking several windows. You’re liable for that damage. The same applies to any injury your client might accidentally sustain from your work. A general liability policy may help protect you against loss due to injury or damage, which is why it’s a cornerstone of a comprehensive arborist and tree service insurance policy. For tree service workers who aren’t certified arborists, a general liability policy is especially important if damages result from mistakes made by you or your employees.
The business side of arboriculture and tree servicing.
If you’re an arborist or a tree servicer, there are some basic insurance coverages you’ll want to consider. Business auto insurance is an important coverage considering the amount of traveling you do, as it offers protection in the event that a vehicle used for business purposes is involved in an accident. A business owners insurance policy (BOP) is also something to consider since it combines the protection of commercial liability and commercial property under a single policy.
Interested in arborist and tree service insurance for your business? Contact us to learn more.
CONTRACTORS EQUIPMENT INSURANCE IN FLORIDA
What is contractors equipment insurance?
Contractors equipment insurance (inland marine equipment floater) covers tools, machinery, and equipment against loss, theft, or physical damage — on the job site, in transit, and in storage. It is not included in general liability or commercial property policies and must be purchased separately.
🐴 Ocala / Marion County
Contractors on equestrian facilities and rural residential projects often have high equipment values spread across remote, lower-security job sites — making off-site and in-transit coverage especially critical.
🌊 Naples / Collier County
Southwest Florida’s construction boom and coastal job site exposure — including hurricane vulnerability and theft near dense urban projects — make a well-structured floater essential.
Is contractors equipment covered under a general liability policy?
No. A CGL policy covers third-party liability — it does not cover physical damage to your own tools and equipment. Those are completely separate coverage needs requiring a separate policy.
Some Business Owner’s Policies include a tools and equipment sub-limit, but those limits are typically far below what a working Florida contractor has at risk. If your excavator, skid steer, or generator is stolen from a job site, your CGL will not respond.
What types of equipment does a contractors equipment floater cover?
An equipment floater can cover virtually any contractor equipment: heavy machinery (excavators, backhoes, cranes, aerial lifts, skid steers), power tools, hand tools, scaffolding, generators, compressors, survey equipment, trailers, attachments, and rented or leased equipment in your care.
Scheduled basis: Each item listed individually with its own value — recommended for high-value items.
Blanket basis: All equipment covered up to an aggregate limit.
Does contractors equipment insurance cover rented or leased equipment?
Yes — most equipment floaters can be endorsed to cover rented, leased, or borrowed equipment in your care, custody, and control. This is critical because rental agreements hold you fully liable for all damage to rented equipment, regardless of cause.
Rental counter damage waivers are overpriced and limited. A properly structured floater provides broader protection at better cost.
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