How much is insurance for a tree service
How Much Does Arborist Insurance Cost?
by JMG Insurance Corp
If you’re an arborist, landscaper, or another type of tree care professional, you likely know that it’s important for you to protect yourself against certain risks and liabilities. Fortunately, many insurance agencies offer arborist insurance. However, you may be wondering how much this type of policy costs. Here is a close look at this subject.
What Does Arborist Insurance Cover?
Before discussing premiums, it’s important to understand what arborist insurance does and doesn’t cover. The exact coverages may vary depending on the insurer, but most arborist insurance policies cover:
- General liability: This insurance covers common risks arborist businesses face, such as customer property damage, customer injuries, and advertising-related claims. In the event that you’re sued for any of these reasons, general liability coverage will protect you and pay for the associated legal fees. You’ll also be more likely to qualify for contracts and leases if you have this coverage.
- Workers’ compensation: This coverage pays for lost wages and medical expenses after one of your employees becomes injured or falls ill on the job. Most states require workers’ comp, although the exact laws vary depending on location so be sure to learn what these are in your state.
- Commercial auto: This insurance covers damages and medical payments incurred following accidents involving vehicles your arborist organization owns (vans, trucks, etc.). Vehicle damages resulting from theft, vandalism, or weather-related events may also be covered by a commercial auto policy.
- Contractor’s tools and equipment: This insurance covers damaged or stolen arborist tools and equipment like chainsaws and climbing gear.
Additional Insurance Coverages For Arborists
You can also acquire the following coverages as an arborist:
- Business interruption insurance: This covers you after your arborist business is forced to temporarily shutter due to an unforeseen event (e. g. a pandemic or natural disaster)
- Cyber liability insurance: This protects you after your business falls victim to a cyberattack, such as a data breach.
- Directors’ and Officers’ insurance: This covers you in the event that your business’s executives are targeted in a lawsuit for failure to pay indemnification.
- Errors & Omissions insurance: This protects you in the event that someone sues your arborist business for incomplete work or improper professional advice.
- Inland marine insurance: This covers damages against equipment, materials, and other products (including construction and contracting tools) that are in-transit.
- Environmental liability insurance: This covers you if your arborist business causes pollution or some other type of environmental damage.
- Crime insurance: This can cover claims related to employee theft, fraud, or forgery.
- Product liability insurance: This covers you in the event that certain types of equipment or chemicals like pesticides harm you.
- Employment Practices Liability Insurance (EPLI): This protects you if one of your employees sues you for wrongful termination or discrimination.
Be sure to ask your insurance provider whether you must pay an additional premium for any of these coverages.
How Much Does Arborist Insurance Cost?
According to generalliabilityinsure.com, the average price of a standard $1-2 million general liability insurance policy for small businesses ranges from $47 to $89 per month. However, the reality is that the cost of arborist insurance depends on several factors, including:
- Your location
- The size of your business (annual revenue and total number of employees)
- Your history of claims
- Your employees’ average years of experience
- The height you climb to care for trees
- Your chosen limits and deductibles
As with any other type of insurance, be sure to speak with an experienced agent so that you may choose a policy that covers your risks and liabilities.
Speak To The Arborist Insurance Experts
Reach out to the professionals at John M. Glover to learn more about the cost of arborist insurance. Since 1916, we’ve been dedicated to providing high-quality insurance solutions to clients throughout Connecticut, New Jersey, New York, Hawaii, and Massachusetts. As an independent agency, we work closely with many well-known and reliable insurance firms.
If you’re an arborist or landscaping business owner, we highly recommend that you purchase arborist insurance. At JMG, we understand the many risks associated with tree care and are thus committed to protecting you. Our policies include coverages such as general liability, workers’ comp, commercial auto liability, and contractors’ tools and equipment insurance.
Your premiums will depend on factors like the type of services you offer, the type of commercial equipment you use and property you own, your total revenue, your location, and the number of employees you hire.
Call JMG Insurance Corp today or contact us online for more information about our arborist insurance policies.
Requirements, Coverage & Quotes From $8
Tree Service Business Insurance
Tree service business insurance pertains to a broad range of tailored insurance products for arborists, tree cutters, tree surgeons, and more.
Small business insurance for tree service is very important. It can cover the cost of lawsuits and compensate clients. Furthermore, it can pay for the cost of workplace injuries and equipment repairs .
Liability insurance policy for tree service provides the first line of defense. Let’s discuss what this is in the next section.
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Tree Service Liability Insurance
Tree service liability insurance usually pertains to general liability insurance for tree service workers.
General liability insurance for tree service takes care of costs in case you caused property damage or bodily injuries to third parties.
So how much money can you get from general liability insurance for tree work? Usually, the policy provides a $1 million limit, which the policyholder can use to pay legal fees and settlement to the aggrieved client.
Workers Compensation Insurance for Tree Service
Tree service workers sometimes get injured while working. The most common injury, by the way, are cuts and scrapes. Cuts and scrapes can result in temporary impairment. In connection with this, latest data show that the average workers compensation for cuts and scrapes is $23,768.
Workers comp for tree service functions to cover the cost of employee compensation. This policy can cover the employees:
Furthermore, in case you can’t go to work for an indefinite period of time, workers comp can also supplement lost income. Depending on the state, tree service workers compensation insurance can provide money equal to 66. 67% or 80% of your average weekly payroll.
Tree Service Insurance Requirements
The United States doesn’t have laws that demand what kind of tree service business insurance should be purchased before one can work with clients.
Nonetheless, it should be noted that most clients demand that there must be a $1 million general liability insurance to cover them.
Another thing to note is that aside from general liability, some clients might also require a surety bond. Commonly, tree services need to get $100,000 in surety bond to satisfy the terms of a contract.
Furthermore, in case there are one or more employees, workers comp insurance is also required. Ask the local workers compensation office in your location to know when you should get workers comp.
Arborist business insurance is a tailored coverage for arborists. It offers liability insurance, commercial property insurance, and commercial auto insurance.
Arborists have liability whenever they cause injuries or property damage. Because of this, their business insurance comes with arborist liability insurance. Usually, this is offered as a general liability insurance policy.
Arborist general liability insurance takes care of cuts, lacerations, contusions, concussions, and other kinds of bodily injuries to the client. In addition, it also covers costs if the client’s property got damaged.
Arborist insurance is very important. Without it, arborists might find themselves in debt or lose a significant amount of savings in their bank. Physical injury claims settlement starts at $10,000. However, if the injuries are severe, settlement can easily scale up to more than $1 million.
Property damage isn’t different. Those who file property damage claims require huge sums of settlement even for minor damages. Broken windows or roofings might require a settlement of $50,000.
Arborist Professional Indemnity Insurance
Clients have the right to sue arborists for unsatisfactory work, property damage or injuries resulting from negligence, and the failure to finish a project on time. And for this reason, carriers offer professional indemnity insurance for arborists as protection.
Arborist professional indemnity insurance will pay for the lawsuit and the amount of money the client wants as compensation for all economic and financial loss incurred. In practice, the most common scenarios where professional indemnity provides coverage are:
When arborists misdiagnosed the tree’s health
Aggravating a tree’s health instead of improving it
Failure to finish the project on the deadline the client imposed, as stated in the contract
Causing property damage or injuries by failing to follow or implement precautions the OSHA and other safety government agencies mandate
Professional indemnity lawsuits against arborists are costly as they involve numerous charges imposing different penalties (criminal, civil, etc.) The overall costs can reach up to more than $100,000 depending on the severity of the incident and its results. With that said, paying for such an amount can be very problematic without insurance ready and waiting.
Tree Removal Insurance Coverage
Tree removal insurance is a policy that attends to the needs of people in the tree service industry specializing in the transfer and removal of trees. Tree removal company insurance usually includes the following policies:
Professional liability insurance
Equipment breakdown coverage
General liability insurance
Tree removal general liability insurance starts with a $2 million policy limit and comes with products and completed operations as an additional option. Professional liability, on the other hand, has a $1 million limit. Equipment breakdown covers the cost of repair or replacement cost of the chainsaw and other equipment and has a policy limit of $1 million.
Having coverage is very important because, without a good tree removal insurance program, a tree removal company might easily lose profits and clients along the way.
A report analyzing 53 tree felling accidents from 2009 - 2014
The tree impacted another tree/object and fell in another direction, injuring someone as a result
The tree started falling into the intended direction. However, its top portion swayed, came back, and fell somewhere else
Hung up tree (this is a tree, which the operator already cut, but didn’t fall by reason of snagging with another tree/object)
Tree Trimming Insurance
Businesses in the tree service industry that provides trimming services might find tree trimming business insurance helpful. Tree trimming insurance coverage consists of:
General liability insurance
Professional indemnity insurance
Commercial property insurance
General liability insurance for tree trimming service takes care of property damage or personal injury lawsuits. The cost of lawsuits against tree trimmers is $66,000 or even higher depending on the severity of the damage. And so, having coverage is crucial because it provides $1 million basic coverage for attorney fees and other legal costs.
Tree lopping insurance also includes commercial property insurance that covers tree trimming equipment. Coverage applies when damage or theft happens. In other words, tree trimmer business insurance provides backup funds so that tree trimmers can continue their work even when misfortune comes.
In case the client filed a claim because the tree was trimmed wrongfully and got sick, professional liability policy in tree pruning insurance can help reimburse the client for their losses. If the matter is taken to court, then this will also cover legal fees.
Insurance for Tree Cutters
Tree cutter insurance is a tailored policy for those involved in logging. The policy offers general liability insurance having a $1 million policy limit, which can be added with products and completed operations coverage.
There’s also commercial property insurance for tree cutting included that provides reimbursements if helmets, hand saws, pole saws, chainsaws, and hatchets got damaged or lost because of:
The policyholder can also decide to add workers compensation insurance for tree cutters, which becomes very useful in case of amputations because it gives all the money needed for the operation, medicines, medical equipment, and rehabilitation.
Stump Grinding Insurance
Insurance for stump grinding includes policies such as general liability insurance, professional liability insurance, and equipment breakdown coverage. In stump grinding insurance, general liability offers a $1 million up to $2 million policy limit. Professional liability, on the other hand, starts with a $500,000 limit. Finally, equipment breakdown coverage offers a $1 million policy limit and only covers the stump grinder and other related accessories.
How much does it cost to plant a tree or a large plant?
The cost of planting trees and shrubs, as in all other cases, is individual and depends on the conditions that you are ready to create for the survival of your green spaces.
Factors influencing planting pricing:
- height, crown width, stem (stem) thickness, number of skeletal branches, earthen clod size;
- quality of planting material;
- loading and unloading;
delivery of trees and shrubs from foreign nurseries includes customs duties on the import of goods;
- presence of construction waste at landing sites and further disposal;
- methods of forming planting pits (tronch) and their size:
digging holes for planting manually or using specialized mechanisms - coefficient for soil quality (debris, cement, rocks, clay, sand)
- placement of trees for planting on the site:
to perform work on moving large-sized vegetation on the site, specialized equipment is required (manipulator, backhoe loader, tractor, etc. ). We have our own fleet of vehicles necessary for the performance of various types of work;
the inaccessibility of vehicles to the planting pit leads to the implementation of work on the delivery and arrangement of large-sized vegetation manually, increasing labor costs and the cost of this operation;
- soil quality:
improving the mechanical and chemical properties of the soil through the application of organic and mineral fertilizers and stimulants;
when planting plants in winter, the cost increases by 30-40%;
- pruning of crowns and roots of trees (if necessary), disposal of branches;
- formation and design of trunk circles:
compacting the soil (on light soils) and using decorative fills, mulching materials or planting ornamental vegetation;
- fixing the verticality of the tree with braces.
Watering a planted tree can be done by you, if necessary, our company can take over.
As a result, the cost of planting plants will be about 50% of the cost of the plant itself. The cost of planting also includes a guarantee (insurance) - 10-15% of the value of the tree.
Discounts available for planting.
The amount of discounts depends on:
- number of plants;
- number of plants of the same species;
- total cost of the project.
But, of course, we must remember that after landing on the site, a full and comprehensive care is needed. Otherwise, you run the risk of being left with a dry and lifeless tree, which, of course, is not desirable.
Plant plants with our Agava-M company. Together with you, we will select the right pricing policy - entrust it to people who love their job.
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Quality medicine and healthcare in Cyprus. How to get health insurance in Cyprus?
Today, when the program of economic citizenship of Cyprus is actively promoted, according to which, for a certain amount of investment, participants are offered to obtain an island passport, wealthy inverters are simultaneously studying all aspects of life on the island, including medicine and insurance.
We have already described the educational system of Cyprus, both in preschool and school institutions, and universities operating on the territory of the state, now we will tell you about all the nuances and subtleties of the healthcare system on the island.
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Medical care in Cyprus
Public and private medical care in Cyprus is of high quality and accessible to all. Most of the doctors working on the island were educated at the world's leading medical universities located in the USA, Germany , UK and Israel. Also, Cypriot doctors are fluent in English, some can excel in Russian, so there are practically no language barriers in the provision of medical care in Cyprus for foreigners and expats.
Cypriot Public Medical Services for Tourists and Locals
The Cypriot Public Medical Sector is currently supervised by the Ministry of Health, which is responsible for all operations in terms of public access to medical care, both Cypriots and non-Cypriot residents.
The Ministry is responsible for planning, organizing and managing the health sector, including overseeing the provision of services in all public health facilities. Under the supervision of the Ministry fall such departments in the field of medicine as a diagnostic center, the provision of services in the field of pharmaceuticals, dentistry and the rehabilitation sector, which is responsible not only for inpatient treatment, but also for home care.
Public health facilities in all European countries, whether you are a resident of the country or not, are required to provide emergency medical care. In this case, Cyprus is no exception, so regardless of whether you have insurance or not, any emergency clinic will accept you and serve you.
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Most Cypriot clinics have the latest equipment. The National Health Service of Cyprus devotes a lot of time and money to improve the performance of the island's medical institutions, including their accessibility to all citizens and non-residents of Cyprus.
All city hospitals in Cyprus have the necessary departments, including maternity, therapeutic, surgical, pharmaceutical and radiological. In smaller towns, there is often no maternity ward or an X-ray department, but in any case, consultation with a general practitioner or pediatrician can be obtained even while living in a small Cypriot village.
For consultation and further treatment with a dentist or gynecologist in Cyprus, it is best to contact clinics located in larger cities such as Limassol, Nicosia or Paphos.
Private health care in Cyprus
Private health care in Cyprus is financed by incoming investments and wealthy clients who are treated in private clinics. As well as the public sector of medicine in Cyprus, the private sector is regulated by the Ministry of Health, but government funding is excluded. Private hospitals, clinics, pharmacies, diagnostic centers and independent professionals can obtain a license to practice medicine in Cyprus.
The private sector is just as popular as the public sector due to the lack of long queues.
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Medical tourism in Cyprus
Medical tourism in Cyprus is becoming more and more relevant. In general, the development of world medical tourism began in the late 80s, when most insurance companies did not allow their clients to treat chronic diseases at affordable prices in their country of residence. Then people began to look for ways to receive medical care in other countries, where the cost of treatment will not be worth all the accumulated savings.
Cyprus, on the other hand, is just beginning to gain momentum among tourists visiting the country in order to receive high-quality medical treatment, and the inherent potential for the development of medical tourism is steadily growing. Excellent prospects for the development of this area are not unreasonably applicable to Cyprus: a developed medical infrastructure, high requirements for specialists and other indicators of the quality of medical care.
Of course, against the backdrop of such titans of medical tourism as Israel, UAE (https://internationalwealth.info/uncategorised/uae-all/ ) and Slovenia, Cyprus seems like a teenager who only shows the makings of ability, but this small island nation in the Mediterranean can boast of competitive advantages in the field of medical tourism:
- Ease of obtaining an insurance policy for foreigners and affordable prices.
- Comprehensive service not developed in the countries listed above.
- Large investments in the medical field by foreign investors. And this, as a rule, is a fairly significant indicator of the development of modern specialized clinics.
- Distribution of Russian and English languages in medical institutions.
- The geographical position of Cyprus plays into the hands of the island in two ways: favorable climatic conditions and excellent transport links to the island. Flights to Cyprus depart daily from Moscow.
- Highly qualified personnel educated in leading countries such as Germany, USA and UK.
The Cyprus Tourism Organization, the Ministry of Finance and the Ministry of Health are actively involved in creating favorable conditions for long-term cooperation not only in the medical industry, but also interact with the organizers of health tours to the island.
Childbirth in Cyprus
Another branch of medical tourism is “mother” tourism. In this case, expectant mothers come to the island 1-2 months before the expected date of birth, and stay on the island for another 2 months after.
During the entire stay, pregnant women enjoy a wonderful tropical climate with minimal temperature fluctuations, eat healthy food, fruits, undergo examination and are under the supervision of a gynecologist-obstetrician before giving birth, and after that they receive pediatrician consultations for 10 days.
It is worth considering that such service to non-residents of the island is available only in private clinics, so you will need to take care of the insurance and register with the gynecologist-obstetrician in advance.
On average, giving birth in Cyprus will cost the expectant mother about 4-5 thousand euros, taking into account food and accommodation on the island for the entire stay. This amount includes the cost of the birth itself, the examination, and the services of a pediatrician. Toddlers are required to have their hearing checked, and this procedure is free.
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hospitals in Cyprus
On the island's territory, cards that allow you to receive various types of medical services in public hospitals are especially widespread. Depending on the type (color) of the card, a patient can receive a certain set of medical services in Cyprus exclusively in public clinics.
Today, the public health sector is being reformed by the authorities, where a bill has been signed to introduce compulsory insurance for all citizens of Cyprus. Deductions will be 1% of wages to the Social Insurance Fund. The bill comes into force on January 1, 2017.
The patient can receive outpatient and inpatient treatment, as well as, if necessary, permission to perform surgical operations, according to medical records, depending on the severity of the treatment.
Cypriot medical cards can be issued for a single person or for all family members and are of two types:
- Free Care Medical Card (pink)
This type of card is issued to citizens of Cyprus belonging to the following categories:
- Foreigners who have received permanent residence in Cyprus and have insurance in their home country. In this case, a non-resident of the island is subject to a bilateral agreement between his country and Cyprus.
- If your family has many children (from 4 minor children).
- Low-income pensioners (average pension is less than 500 euros per month).
- Families where the annual income does not exceed 15,000 euros per person, per family not more than 30,000 euros, including a child, where an additional 1,700 euros is added to the amount.
- Government employees.
- People living on government benefits.
It is also worth noting that free treatment in public hospitals in Cyprus also has a number of exceptions and you may be denied service if the condition of the patient under treatment is a consequence of circumstances when the treatment is covered by a third party (beating, traffic accident, etc.).
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- Discounted Medical Card (blue)
This type of card provides an opportunity to receive subsidies for treatment in public institutions for families with a low annual income. A patient will receive a blue medical card if the annual income of his family is from 15 to 38 thousand euros with a dependent child.
All types of cards indicate the name of the owner of the medical card, his marital status and if there is a spouse, minor children, this information is entered on the card, the expiration date, serial number, and the identity number of the cardholder.
Foreigners can also apply for a Cypriot medical card. To do this, you must fill out a specific form according to the listed documents, a list of which can be found in any medical institution or on the official website of the Ministry of Health.
Features of health insurance in Cyprus
Consider public and private insurance in Cyprus. State refers to the type of insurance provided by the employer, i.e. it is the enterprise that pays insurance premiums to the Social Insurance Fund, and not the employee himself. The latter, in this case, gets the opportunity for free medical care in all state institutions.
Depending on the income, a Cypriot citizen receives a medical card of the required color and undergoes treatment. Also, both foreigners and EU citizens who have insurance in their home country pass through the free service system.
If you are a non-resident of Cyprus and do not have an EU passport or permanent official employment within the republic, then you need to take out insurance that provides for treatment only in private clinics. Insurance in Cyprus is publicly available and issued by private insurance companies. Here is a list of popular insurance agencies in Cyprus:
- Vournaris Group - located in Limassol.
- Anytime Insurance - has branches in Nicosia, Limassol, Larnaca and Paphos.
- Pintsas Insurances - located in Paphos.
- C&E Vassiliou - located in Nicosia.
Insurance policies can be purchased from both island companies and international insurance agencies. As a rule, the latter have a significant advantage in pricing.
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Types of medical insurance and specifics of medical insurance in Cyprus
There are two types of insurance policies served in Cyprus: these are inpatient and outpatient coverage . Inpatient treatment involves hospitalization of the patient with further treatment, in the case of outpatient treatment, the patient is reimbursed for the funds spent on calling the doctor to the house and the drugs prescribed to them in addition to hospitalization. Those. outpatient treatment includes inpatient treatment.
Insurance also differs in the amount of coverage. The price range is really striking: from a few hundred euros to 2 million. In the first case, the cost includes outpatient and inpatient treatment, in the latter, surgical intervention, treatment of chronic diseases of an advanced stage, cancer and other diseases. With the insurance you have received, you have the opportunity to undergo treatment not only in Cyprus, but also in other EU countries.
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How much does health insurance cost in Cyprus?
There are family and individual insurance packages. The first ones are in great demand and they usually come out cheaper. For example, there is a family of 4 people: two adults and two minor children. In this case, comprehensive insurance is issued, which includes outpatient and inpatient treatment in private clinics, and it will cost 2,000 euros / year with a minimum coverage and 3,000 euros / year with a maximum coverage.
It is also worth considering that every year the cost of coverage will increase with the age of its owner.
Cyprus medical insurance reimbursement system
This system is structured as follows: . The clinic provides an invoice to the company, which then makes the payment.
It is also important to consider that health insurance does not include such areas as cosmetology, dentistry and gynecology services, vision correction. Also, treatment of a chronic disease that a patient had before the insurance policy was issued is not an insured event.
Insured events include events stipulated by the insurance contract, upon the occurrence of which the company undertakes to pay the client all necessary expenses. Important point : for the first six months from the date of signing the contract, the insurance company will not pay for certain types of diseases, which will also be spelled out in the document.
How to choose the right health insurance package if you live in Cyprus?
As practice shows, the choice of an insurance policy greatly affects the budget of its owner. Naturally, most companies will try to give you outpatient care insurance, but do you need it?
To determine this issue, calculate the average number of doctor visits per year, costs per doctor, amount of money spent on medications, and frequency of health checks, and compare the amount with the difference between inpatient and outpatient coverage.
For convenience, it is best to choose long-term or lifetime health insurance contracts . Of course, it will cost a little more, but such an agreement has a significant advantage over short-term insurance contracts. In the event of a serious illness, the insurance company undertakes to fully or partially cover your treatment, and it loses the right to exclude this disease from the list or refuse to refund a large amount of funds during the term of the contract.
Well, of course, carefully study the terms of the contract, do not be afraid to ask questions , or even better - hire an interpreter or find a Russian-speaking insurance specialist in Cyprus who will contribute to a better understanding of the insurance package you have chosen.
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How can a foreigner obtain health insurance in Cyprus?
Despite the fact that Cyprus is part of the EU, the country does not require its tourists to obtain compulsory insurance when visiting the country. This decision is completely shifted to the shoulders of foreigners who want to relax on a Mediterranean island.
When visiting Cyprus, do not forget about the possible risks to your health. This is a tropical island that is home to rare species of animals and plants that can harm your health. Therefore, insurance in this case will be to your advantage, because. getting a doctor's consultation or undergoing treatment in one of the Cypriot clinics can cost you a considerable amount.
On average, emergency treatment for tourists without insurance will cost the patient 100-200 euros, depending on the type of disease. Additional expenses include the visit to the doctor itself, which costs 50 euros per visit.
There are a number of exceptions related to poisoning by local products, bites from marine and terrestrial animals, and insects. In this case, you will be provided with emergency assistance free of charge.
In principle, the Cypriot healthcare system differs little from the continental European one, except for some requirements regarding foreigners.