General Liability for tree work
- Thread starter Husabud
- Start date
- Replies 32
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woodworkingboy
TreeHouser
They haven't had to pay off on you yet, that is some dipshit logic there. They didn't even offer up a thank you for your patronage? Wonder if that is a regular practice, snooping around websites?
flushcut
TreeHouser
I wonder what they think a Tree Co. does???? Remove trees maybe? Hazard tree assessment perhaps? Idiots
CurSedVoyce
California Hillbilly
Out of the Travelers select appetite??? Soooo our profession has left a bad taste it their mouth at one time or another.
SouthSoundTree
Treehouser
I had a similar cancellation for no reason. No claims, nada.
Bud, try Mike at Stratumins.com Stratum Ins. is in CA but covers lots of states. If you have more time to receive the quote, Mike has a cheap company that is so busy with policies that it takes two weeks or so, sometimes, to get the new quote.
NickfromWI suggested them.
Bud, try Mike at Stratumins.com Stratum Ins. is in CA but covers lots of states. If you have more time to receive the quote, Mike has a cheap company that is so busy with policies that it takes two weeks or so, sometimes, to get the new quote.
NickfromWI suggested them.
Bodean
Cali dreamer
Colonial Insurance,
or I could turn you on to my Lady. She's in San Diego.
or I could turn you on to my Lady. She's in San Diego.
lumberjack
Young man on the go
I would suggest finding an independent agent in your area. Having someone local that you can trust is helpful when you take on new/bigger projects.
This year I added excavation/dirt work liability coverage for a much lower price than I was expecting.
This year I added excavation/dirt work liability coverage for a much lower price than I was expecting.
Tucker943
Bamboo Plantation Owner
I got a notice of non renewal in the mail the other day from my gen liability company also.
MasterBlaster
Administrator Emeritus
First, shoot all the lawyers. 
flushcut
TreeHouser
Amen!
squisher
THE CALM ONE!!!!
I would be choked. Brutal. I hate insurance but carry 2mil.
rskybiz
TreeHouser
First, shoot all the lawyers.
+1
We saw a increase here recently.
No idea if your member of tcia but that was good while I was in N.E FWIW.
lumberjack
Young man on the go
Here they increased the minimum premium this year, so I upped my coverage to 2mil/1mil, which is a requirement on some of my jobs anyways.
woodworkingboy
TreeHouser
5 mil! Maybe we can work something out? 
squisher
THE CALM ONE!!!!
That's incredibly inexpensive sounding to me for 5 mil. Up here anyways its all volume based as in the more gross sales you have the higher your premium is.
lumberjack
Young man on the go
Mine is based on payroll.
I dunno what mine's based on...micro mini small business, small overheads, no payroll, small turnover...maybe 'cause Ima girl?
Its the least I can get for tree work business, they don't offer less.
BUT they extended my policy to Bermuda at no extra cost...and previously here I had 1/2 mill for $500, with a local company, now that's expensive in comparison.
Its the least I can get for tree work business, they don't offer less.
BUT they extended my policy to Bermuda at no extra cost...and previously here I had 1/2 mill for $500, with a local company, now that's expensive in comparison.
Haha! I was speaking tongue-in-cheek, as my agent is a friend of mine. My rate's been the same for three or four years now, with no increase. I suppose I can't complain. The company I was with before would raise rates EVERY year, sometimes nearly 20%. I'd call every year, explaining to the rep how I didn't even have to have his insurance, and that if it was going up that much, I'd drop it. He'd come up with a better rate each time, though it was always higher than the year before. When I switched over to my current agent (whose house I had roofed, and therefore become acquainted with), I told him how the other outfit did me every year. He said they make their best money on writing a new policy, and what the guy was likely doing was raising the rate to either make more money that way, or else provoke me to demand a "better" rate so he could shop it and write me a new policy every year.
woodworkingboy
TreeHouser
The letter from the insurance company canceling, reminds of the ones you get from the utility companies if your payment is late. Faithfully pay your bill on time flawlessly for forty plus years, then being late one month for some reason, they threaten to shut you off. No level of concern or politeness, somebody ill....? Nothing, just pay up or we will screw you on such and such a day. That is some kind of humanity.
- Thread Starter Thread Starter
- #24
Well here it is less than a year after I found Farm Family to carry my business. Once again, I have had no claims and have not been late. Last week I was told that if I don't carry a minimum payroll(seen as more money in their pocket) and I am not a certified Arborist, then I will be cancelled.
What is it with running a small business(less than 200,000 gross) that let's these companies set the rules. We all know that they are corporations taking advantage of every loophole they can. I guess I just answered my own question.
Any suggestions on companies? I live in Mass, so my options are severely limited.
What is it with running a small business(less than 200,000 gross) that let's these companies set the rules. We all know that they are corporations taking advantage of every loophole they can. I guess I just answered my own question.
Any suggestions on companies? I live in Mass, so my options are severely limited.
Like I said before, try Liberty Mutual / Liberty International. They are based in Boston.
I get coverage through Fitzpatrick's brokerage in Melbourne. They brokered me with Liberty International, so try and track them down in your area.
I get coverage through Fitzpatrick's brokerage in Melbourne. They brokered me with Liberty International, so try and track them down in your area.
