dodge diesel
ArboristSite Member
I have been in the biz for 3 years now and upgraded to a bigger machine. I am thinking it is about time for insurance. Any of you stumpers have any ideas about good insurance companies? Thanks, Andy
Yep, inland/marine insurance is what you need to cover your equipment for fire/theft, etc. It covers my JD 955 with my PTO stumpgrinder on the back. For liability, you'd need just that, something that will cover you in case you send a rock through a window.
I have been in the biz for 3 years now and upgraded to a bigger machine. I am thinking it is about time for insurance. Any of you stumpers have any ideas about good insurance companies? Thanks, Andy
I have a tree business with a claw loader, truck, saws, etc. I am insured, but they won't cover the two stump grinders that I have. I am looking to upgrade my insurance also as I recently purchased a bigger stump grinder.
For theft of equipment an inland /marine policy is what you need. For liability most landscape policies will cover stump grinding but not tree work. If you only do stump grinding and not treework look for a landscaper policy, not very expensive. If you do both you will need a tree care policy, which will cost a whole lot more. Good luck.
Also consider it in case you hit a utility line..I hit a 100 pair phone line with my backhoe at my full time job a few months ago that wasn't buried as deep as it was supposed to be..cost my company $1200 bucks for the repair..glad they like having me around..LOL FYI for reference..phone, cable tv, and gas lines are supposed to be around 18"-24" deep(obviously they aren't always), electric is supposed to be 36"..water is at least 36" or more..and sanitary/storm sewer lines can vary from 6", all the way to as much as 10 feet in some places..moral of the story is..if there is ANY doubt..call to get the lines marked..its free here in Ohio..and as I've heard..it is about eveywhere else..I'm sure you know this..but..some guys never consider it..and a little insurance policy could prevent you from having a horrible(and expensive) day...
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