What insurance coverage is typically expected for a commercial tree care operation?

• A. General liability around $1 million per occurrence (often with $2 million aggregate) and workers’ compensation as required
• B. No insurance
• C. Life insurance for workers
• D. Property insurance only

Answer: (A)

In a commercial tree care operation, the protections that matter most are general liability to cover third‑party injuries and property damage from your work, and workers’ compensation to cover employees’ on‑the‑job injuries. A common baseline is about $1 million per occurrence with an aggregate limit around $2 million, plus workers’ compensation as required by law. This combination reflects the real risks of tree work—chainsaws, climbing, equipment, and limbs that can cause damage or injury—and aligns with client requirements and typical insurance markets. Workers’ comp ensures medical costs and wage replacement for injured employees and helps prevent costly lawsuits related to workplace injuries. While it’s possible to have other coverages, relying on life insurance for workers or only property insurance doesn’t address worksite injuries or third‑party claims, and having no insurance leaves the business exposed to lawsuits and penalties.