Illinois 

Tree work creates significant liability exposures.

A falling limb could damage a home, fence or vehicle. Equipment could accidentally damage customer property. Someone could be injured while your crew is working.

General Liability Insurance may help protect your business against certain covered claims involving third-party bodily injury and property damage.

Your coverage should accurately reflect the tree trimming, removal and other services your company performs.

Workers' Compensation is especially important for tree service companies because employees may be exposed to risks involving climbing, falling limbs, chainsaws, heavy equipment and physically demanding work.

Illinois generally requires employers to carry Workers' Compensation Insurance when they have employees, including businesses with only one part-time employee, although limited exceptions apply.

Workers' Compensation may provide eligible benefits for employees who experience a covered work-related injury or illness.

Your trucks keep your business moving.

Illinois tree companies may operate:

• • • Pickup trucks
    • Dump trucks
    • Bucket trucks
    • Chip trucks
    • Service vehicles
    • Trailers

Vehicles used to tow equipment
Commercial Auto Insurance can provide liability and optional physical damage coverage for eligible business vehicles.
As your company adds trucks and drivers, your insurance should keep up.

How much would it cost your company to replace a chipper tomorrow?

Now add your stump grinder, skid steer, chainsaws, loaders, grapples, climbing equipment and other specialized tools.

That's a significant investment.

Equipment coverage, often provided through inland marine or contractors equipment insurance, may help protect eligible equipment against covered losses while it's being stored, transported or used at different job sites.

Property that stays at your location and equipment that travels with your crews may need different coverage.

We'll help you look at both.

Tree service accidents have the potential to become expensive liability claims.

Commercial Umbrella Insurance can provide additional limits above certain underlying liability policies when a covered claim exceeds the applicable underlying limit.

As your company grows, adds crews or takes on larger residential, commercial or municipal jobs, it's important to periodically review whether your liability limits still fit your operation.