Tree Service Insurance

Employment PracticesLiability Insurance

Protecting your tree service company means more than protecting your equipment. As your crew grows, employment decisions can create another type of business risk.

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WHY EPLI MATTERS

Your Tree Service Business Has People
Risks Too

Hiring employees, supervising crews and making employment decisions can create exposures that
aren't addressed by every type of business insurance.

COVERAGE

What Can EPLI Cover?

Coverage varies by policy, but EPLI may provide protection for covered allegations involving
employment practices.

Wrongful Termination

Certain covered allegations that an employee was improperly terminated.

Discrimination

Certain covered employment discrimination allegations.

Workplace Harassment

Certain covered harassment-related claims.

Sexual Harassment

Certain covered employment-related allegations.

Retaliation

Certain covered claims involving alleged retaliation.

Failure to Promote

Certain claims involving employment advancement decisions.

Wrongful Discipline

Certain allegations concerning disciplinary decisions.

Defense Costs

Policies may help with certain legal defense costs for covered claims.

GROWING TREE SERVICE COMPANIES

Why Should a Tree Service
Company Consider EPLI?

Your business may have started with you, a truck and a small crew.

As your business grows, you may hire climbers, groundspeople, equipment operators, drivers, office employees, salespeople and supervisors.

More employees can mean more employment-related decisions and more opportunities for misunderstandings, disputes or allegations.

✓ Hiring and onboarding employees

✓ Managing employee performance

✓ Disciplinary decisions

✓ Promotions and termination

SMALL & MIDSIZE TREE COMPANIES

"We're a Small Company. Do We Really Need It?"

Employment-related claims aren't limited to large corporations. Small and midsize businesses also hire, fire,
promote, discipline and manage employees.

If you have employees, it's worth discussing your employment practices exposure and understanding what
protection your current insurance program does—or does not—provide.

RISK MANAGEMENT

Good Employment Practices Still Matter

Insurance is only one part of managing employment risk. Strong business procedures can also help
your company manage employee issues consistently.

✓

Written Workplace Policies

Establish clear expectations for employees and supervisors.

✓

Employee Handbooks

Maintain documented workplace policies and procedures.

✓

Documented Hiring Procedures

Maintain consistent hiring and employment procedures.

✓

Consistent Discipline

Apply disciplinary practices consistently throughout the organization.

✓

Harassment Policies

Establish procedures for reporting workplace concerns.

✓

Supervisor Training

Help supervisors understand their employee-management responsibilities.

✓

Performance Documentation

Document employee performance issues appropriately.

✓

Clear Reporting Procedures

Give employees clear ways to report workplace concerns.

KNOW YOUR COVERAGE

Is EPLI Included in General Liability?

Don’t assume that it is. Different insurance policies address different types of business risks.

GENERAL LIABILITY

Protects Against Certain Third-Party
Claims

General liability insurance is primarily designed to address certain third-party bodily injury, property damage and other covered liability claims.

EPLI

Addresses Certain Employment
Claims

Employment-related allegations may require separate Employment Practices Liability coverage.

POLICY DETAILS MATTER

What Doesn't EPLI Cover?

Every policy is different, and exclusions apply. Review the actual policy language with your insurance
professional.

Workers' Compensation

EPLI isn't designed to replace Workers' Compensation coverage.

General Liability

EPLI isn't a substitute for General Liability insurance.

Commercial Auto

Vehicle exposures require appropriate commercial auto coverage.

Wage & Hour Matters

Certain wage-and-hour matters may be excluded or limited.

Contractual Obligations

Certain contractual obligations may not be covered.

Other Exclusions

Criminal acts, penalties and other exposures may be excluded or limited depending on the policy.

YOUR BUSINESS IS GROWING

As Your Crew Grows, Your Risks
Change

Adding another crew is exciting. It may mean more jobs, more equipment and more revenue. It
also means more employees to hire, train and manage.

Your insurance program should evolve along with your tree service business.

TREE SERVICE INSURANCE REVIEW

Let's Review Your Tree Service Insurance

We'll review your current insurance program, learn more about your employees and operation, and help
identify coverage options for your tree service business.

REQUEST A TREE SERVICE INSURANCE REVIEW

Employment PracticesLiability Insurance

Your Tree Service Business Has PeopleRisks Too

What Can EPLI Cover?

Why Should a Tree ServiceCompany Consider EPLI?