Contractors, Landscapers & Tree Services Insurance
Insurance Built for the Work You Do
Contractors, landscapers, and tree service companies work hard to build and maintain homes, businesses, and communities. But the work you do can also involve significant risks—from property damage and employee injuries to vehicle accidents and expensive equipment losses.
At A-1 Insurance Services Inc., we help contractors, landscapers, and tree service professionals find insurance coverage designed around their specific operations.
Whether you're a one-person operation or a growing company with employees, trucks, trailers, and heavy equipment, we can help you protect the business you've worked hard to build.
Coverage for Your Business
Every contracting business is different. Your insurance should reflect the type of work you perform, the equipment you use, and the risks you face.
Depending on your operations, your insurance program may include:
- General Liability Insurance
- Commercial Auto Insurance
- Workers' Compensation
- Contractors Equipment Insurance
- Inland Marine Insurance
- Commercial Property Insurance
- Business Owners Policies
- Umbrella & Excess Liability
- Builders Risk Insurance
- Installation Floaters
- Tools & Equipment Coverage
- Bonds
- Additional Insured Coverage
- Certificates of Insurance
Contractor Insurance
Contractors can face liability exposures every day while working on residential and commercial properties.
A contractor may accidentally damage a customer's property, cause an injury, or have equipment stolen from a job site.
General liability insurance can provide protection against certain covered claims involving:
- Bodily injury
- Property damage
- Personal and advertising injury
- Completed operations
- Products-related claims
Depending on your trade, additional coverage may be necessary.
Contractors We Insure
We can help businesses such as:
- General Contractors
- Remodeling Contractors
- Home Improvement Contractors
- Roofing Contractors
- Plumbing Contractors
- Electrical Contractors
- HVAC Contractors
- Painting Contractors
- Flooring Contractors
- Concrete Contractors
- Masonry Contractors
- Fencing Contractors
- Carpentry Contractors
- Excavation Contractors
- Demolition Contractors
- Handyman Businesses
- Pressure Washing Companies
- Property Maintenance Companies
- Specialty Trade Contractors
Landscaping Insurance
Protecting the Businesses That Keep Properties Looking Their Best
Landscaping companies face a variety of risks while working on residential and commercial properties.
Your employees may operate lawnmowers, trimmers, blowers, skid steers, trailers, and other equipment around homes, vehicles, buildings, and people.
A landscaping insurance program can help address exposures associated with your operations.
Landscaping businesses may include:
- Lawn maintenance
- Landscaping installation
- Landscape design
- Hardscaping
- Irrigation work
- Mulching
- Planting
- Sod installation
- Brush removal
- Leaf removal
- Seasonal cleanup
- Snow removal
- Grounds maintenance
- Commercial property maintenance
Landscaping General Liability
Imagine one of your employees accidentally:
- Damages a customer's vehicle
- Breaks a window with a mower or trimmer
- Damages underground property
- Causes a customer or pedestrian to fall
- Damages landscaping belonging to another party
General liability insurance may help respond to certain covered claims, subject to the policy's terms, conditions, exclusions, and limits.
Specialized Insurance for High-Risk Tree Work
Tree service companies face unique and potentially severe exposures.
Cutting, trimming, climbing, removing, and transporting trees often involves chainsaws, chippers, bucket trucks, cranes, ropes, climbing equipment, and heavy machinery.
A falling tree or branch can cause substantial damage to a home, vehicle, fence, utility line, or neighboring property.
That's why tree service businesses need insurance specifically suited to their operations.
Tree Services We Can Help Insure
Coverage may be available for businesses performing:
- Tree removal
- Tree trimming
- Tree pruning
- Stump grinding
- Tree planting
- Storm cleanup
- Emergency tree removal
- Hazardous tree removal
- Brush removal
- Land clearing
- Lot clearing
- Right-of-way clearing
- Crane-assisted tree removal
- Utility vegetation management
Eligibility and coverage depend on the insurance company and the specific operations of the business.
Tree Service General Liability
Tree work can create significant property damage and bodily injury exposures.
A tree or branch could fall onto:
- A house
- Garage
- Vehicle
- Fence
- Power line
- Neighbor's property
- Commercial building
- Landscaping
General liability insurance can provide protection against certain covered third-party claims arising from your business operations.
Because tree work can involve substantial risks, it's particularly important to make sure your policy accurately describes the work you perform.
Commercial Auto Insurance
Contractors, landscapers, and tree service companies often depend on vehicles every day.
Commercial auto coverage may be needed for:
- Pickup trucks
- Dump trucks
- Box trucks
- Flatbeds
- Bucket trucks
- Service trucks
- Utility vehicles
- Trailers
- Other business-use vehicles
Commercial auto insurance can provide coverage for eligible vehicles and certain liability exposures arising from covered accidents.
Contractors Equipment & Tools
Your equipment may be one of your company's largest investments.
Depending on your operations, equipment coverage may be available for:
- Chainsaws
- Chippers
- Stump grinders
- Skid steers
- Excavators
- Mini excavators
- Tractors
- Mowers
- Zero-turn mowers
- Bucket trucks
- Generators
- Compressors
- Trailers
- Hand tools
- Other mobile equipment
Equipment may be exposed to theft, vandalism, fire, collision, and other covered losses.
The appropriate policy depends on the type of equipment, where it is stored, and how it is used.
Workers' Compensation
Employees working in construction, landscaping, and tree service can face serious workplace hazards.
Potential risks include:
- Falls
- Cuts
- Machinery injuries
- Strains
- Lifting injuries
- Falling objects
- Chainsaw injuries
- Vehicle accidents
- Other work-related injuries
Workers' compensation insurance can provide benefits for eligible work-related injuries and illnesses, subject to applicable state law and policy provisions.
If you have employees, we can help you understand your workers' compensation insurance requirements.
Inland Marine & Equipment Coverage
Contractors don't always keep their equipment in one location.
Tools and equipment may travel from your shop to multiple job sites every day.
Inland marine insurance can provide coverage for eligible property while it is being transported or used away from your primary business location.
This can be particularly important for contractors, landscapers, and tree service companies with expensive mobile equipment.
Certificates of Insurance
Your customers may require proof of insurance before allowing you to begin work.
A Certificate of Insurance (COI) provides evidence of certain insurance coverage.
You may also be required to:
- Add a customer as an Additional Insured
- Provide specific liability limits
- Provide proof of workers' compensation
- Provide automobile coverage
- Meet contractual insurance requirements
A-1 Insurance Services Inc. can help you understand and provide the insurance documentation your customers require.
Additional Insured Coverage
General contractors, property owners, municipalities, property managers, and other customers may require contractors to add them as an Additional Insured.
The appropriate endorsement depends on the contract and policy.
We can help review your insurance requirements and coordinate appropriate documentation with your insurance carrier.
Bonds for Contractors
Some contractors are required to obtain bonds to obtain a license, permit, or contract.
Depending on your business, you may need:
- License bonds
- Permit bonds
- Bid bonds
- Performance bonds
- Payment bonds
- Contract bonds
- Other surety bonds
A-1 Insurance Services Inc. can help contractors explore their bonding needs.
Why Choose A-1 Insurance Services Inc.?
As an independent insurance agency, A-1 Insurance Services Inc. works with multiple insurance markets to help find coverage that fits your business.
We take the time to understand:
- What type of work you perform
- Where you perform your work
- Number of employees
- Annual payroll
- Annual revenue
- Vehicles
- Equipment
- Subcontractors
- Contract requirements
- Prior insurance history
- Your specific business exposures
Our goal is to help you identify potential coverage gaps and build an insurance program around your business.
Don't Let One Accident Put Your Business at Risk
You've invested time, money, and countless hours into building your business.
The right insurance can help protect that investment when the unexpected happens.
Whether you're a contractor working on a major construction project, a landscaper maintaining commercial properties, or a tree service company removing hazardous trees, A-1 Insurance Services Inc. can help you find coverage designed for the work you do.
Get a Contractor Insurance Quote
Protect your business. Protect your employees. Protect your equipment. Protect your future.
Contact A-1 Insurance Services Inc. today for a contractor, landscaping, or tree service insurance quote.