Do arborists need workers compensation insurance?
Texas state law generally requires that all public and private employers, including tree service businesses with employees, carry workers compensation coverage. The coverage is required as an important protection against workplace injuries that employees could sustain.
Thus, tree services businesses that have paid employees usually need workers compensation coverage. Solo arborists and those that hire independent contractors may not need this coverage.
When it’s needed, an insurance agent who assists with arborist policies will also be able to help with workers compensation coverage.
How much does insuring a tree service business cost?
The premiums charged for tree service policies vary, as they’re based on a multitude of factors. Just a few factors that commonly affect cost are:
- Main location of the tree service business
- Region serviced by the business
- Specific tree care services offered
- Equipment and tools used
- Vehicles owned and used
- Any recent insurance claims activity
An easy way to compare how much different insurance companies will charge in a particular situation is to work with an independent insurance agent. Independent agents aren’t connected to any one insurer, so they can request and compare custom quotes from several companies.