Insurance

Not sure who you currently use. There is a gentlemen in Wellesley Ma, works for Corcoran & Havlin Insurance. He is an expert on insuring tree companies. He is always at the expo's, he writes articles for TCIA and other publication on insurance related issues for tree operations. He knows his stuff. It's great to talk with an issuance guy who actually gets what we do. His name is Rick Weden. Give him a call. He will get you straightened out.(781) 235-3100
I would say though, he can tell if your running a legitimate operation or not. He will be wary to work with you if your not up to date on all your certifications, inspection and such. I only say that because I do not know you, or your practices. If your flying right, he will help you along and help you grow your business. I often call him to get advice on questions not related to insurance because he knows so much about out industry and he works with so many tree companies. Good luck mate!!
 
I've given my agent's information out to several colleagues. They've all been pleased and have typically saved close to 50% in General Liability premiums. He's only licensed to bind policies in Florida, Georgia, South Carolina and North Carolina though. Bill Wanless at Mutual Insurancen, out of St. Petersburg Florida 727-896-0006 ext 2213. It definitely pays to shop around.

Another tip: Make sure that you don't over-insure your business. If your niche is predominantly residential and smaller commercial jobs, a 1million/2million aggregate policy will likely provide adequate coverage.

It's simple to state the amounts of coverage you have in force as part of your proposal, with a disclaimer that if the client wishes to have the job covered to a greater extent, they're encouraged to purchase additional coverage themselves. My proposals state that any additional insurance coverage or documents are available for an additional charge. It just hasn't made sense to me to as a smaller operator to carry coverage that my clients don't require.
 
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do you guys track your employee's work to split your workers comp into other categories? P.S. Hey ROYCE. It seems you have been busy over the last couple years. It's Dan Weise from CT.
 
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