Do Tree Service Businesses Need Commercial Auto Coverage?
Many tree service businesses use trucks and need to carry some form of commercial auto coverage, but the specific type of coverage needed is situationally dependent. Whether the trucks used are business-owned, personal vehicles or rented usually determines what type of commercial auto coverage should be purchased. This is a detail that an informed agent can help work through.
Do Tree Service Businesses Need Workers Compensation?
Tree service businesses that have employees are generally required by Massachusetts law to carry workers compensation, and self-employed sole proprietors may also want the protection even if they aren’t legally obligated to purchase it. Workers compensation normally covers workplace injuries, thus giving businesses that have injured employees valuable protection and possibly covering self-employed individuals’ work-related injuries if they’re excluded by standard health insurance. (Sometimes health insurance policies won’t cover workplace accidents.)
Not all arborist policies offer workers compensation within their coverage options, however. While some policies do make the coverage available, it’s also sometimes purchased via a policy that only provides workers compensation. In either case, the protection is readily available.
What Factors Influence Premiums for Arborist Policies?
Premiums for arborist policies are based on many factors, and they range as a result. A business’ location, size, scope of work, coverage needs, and chosen limits and deductibles are merely some of the details that underwriters typically look at.
An independent agent can help individual business owners find out how much insurance will cost for their particular business. Independent agents are able to compare quotes from multiple insurance companies, making it easy to see differences in coverages and rates.