Arborist Insurance vs. Small Business Insurance

[Iustinian]

I disagree

You're going to have a hard time getting insurance with out at least 2 years under your belt. I doubt the Hartford would cover a new business.

I disagree, I obtained my insurance from Pekin to do removals, trimming, and even chemical spraying the week after I called for the quote, and that was before I started my business -- I did not starting working on my own until I had confirmation of my insurance.

 

[mattfr12]

Once you have insurance for a while it gets easier to get. i think our last policy was actually written by an underwriter for state auto.

 

[mattfr12]

Sounds like CA to me, and makes me want to PUKE... In MA I'm paying $14.50 per hundo in payroll.....

Ya its high everywhere i think i finally don't have to use the state anymore I'm done with my minimum time with workers comp through the state. But in pa you have to guess how much your gonna pay your guys then pay them up front and its 3,000 per 20,000.00 in wages if i remember correctly. i think last year i spent over 10k in comp fee's. they go through your payroll at the end of the year and add or subtract deepening on your original estimate of wages your going to be paying.

Now my insurance agent writes it and theirs a big difference especially if you haven't had any claims in 2 years.

 

[jester666]

For arboriculture work, in the United States, TreePro or ArborMax (see: www. arbormax.com ) are specialty plans and in Canada, the only plan with exclusive focus on arboriculture is TREESURE (see: Sinclair Cockburn Financial Group) as good examples of true 'specialists'.

Just an FYI, it`s not .com.

I went to the .com site and couldn't figure out why we were plugging another tree company when we were discussing insurance.

 

[Jaaneti]

I know this is kinda old and off topic but my family had some problems with Surgeon (Arborist) Insurance searching,
We only had 2 workers who needed a and the easiest way was this site it's easy and really saves some time and money.

You are not allowed to post direct links to businesses that are not site sponsors here on Arborist Site.

 

[Toddppm]

smells spammey

 

[Treefellah]

In Canada I know there is a specialty insurance plan called Arborguard because I am insured with them and they are excellent. You can find them with a quick google search.

 

[ChoppyChoppy]

I dont want to hi-jack this thread , maybe this question will also help the author. What are the rates you guys are paying for workmans comp? Our's is a little over $44.00 on the hundred. Is that a bad rate or average? Maybe several of us get together and get a Coop rate?

$0.

Hired hands are contractors who bill me based on their work.

 

[BuckmasterStumpGrinding]

If they use your tool and don't set their own hours the law considers them employees regardless of your arrangement. You better hope they like you enough to not sue or get some workers comp.

 

[ChoppyChoppy]

If they use your tool and don't set their own hours the law considers them employees regardless of your arrangement. You better hope they like you enough to not sue or get some workers comp.

The guys that help out aren't employees. I don't set their hours, nor do they use any equipment, it's just labor.

Also I fall under agriculture and the labor laws are a bit different.