Tree related work you shouldn't need insurance for?

I agree with that statement for sure. And on the note of raising prices, once certified, the certification to me doesn’t mean very much. What matters a lot more to me is the skill behind it. I am not a certified arborist, but I consider myself a professional arborist, and no far more than most of the certified arborists in the area. Therefore, I bill based on my skill, not based on a piece of paper that I don’t wish to chase.
I'm totally with you, and that was where my head was at when I started, but it has become increasingly clear that in my regional market, that ISA cert carries a lot of weight, and will almost certainly help me get more work, and better kinds of jobs. I know a guy that is doing really well with a well established base of clientelle who used to be certified and then stopped renewing once he had secured said client base.
 
7-10 minutes of production per month generates the revenue to cover the bill, although the bill is paid annually. I had an audit last month, I haven't heard anything, so I reckon they're good for another year.
Let's say you are at $400 per hour.

10 minutes is $67. $67 x 12 months = $800/year.

I have a hard time imagining an operation big enough to charge $400/hour only paying $800 per year for insurance.

Or am I missing something?

Even just the general liability portion of the policy has gotta be more than that ignoring equipment and vehicle coverage, right?
 
I'm totally with you, and that was where my head was at when I started, but it has become increasingly clear that in my regional market, that ISA cert carries a lot of weight, and will almost certainly help me get more work, and better kinds of jobs. I know a guy that is doing really well with a well established base of clientelle who used to be certified and then stopped renewing once he had secured said client base.
I can see your point there, if your market is different that’s great, go out and get the certification! I am competing with companies like the local lawn service that has “10 certified arborists on staff!“ they managed to get everybody on the crew to pass the test so they could advertise that way. That’s how little the certification actually means around here.
 
I'm totally with you, and that was where my head was at when I started, but it has become increasingly clear that in my regional market, that ISA cert carries a lot of weight, and will almost certainly help me get more work, and better kinds of jobs. I know a guy that is doing really well with a well established base of clientelle who used to be certified and then stopped renewing once he had secured said client base.
In kinda in that boat.


Do I know less than I did when I passed the test for the first time 15 years ago.


Considering retesting.
 
I am not writing horror novels, nor am I paranoid, I am writing facts. I am writing tales of what have happened to real people in this industry. It is very possible. If you are curious what an oil spill cleanup fee would be, call your local environmental recovery company, and ask them what it would cost to remediate a 5 gallon oil spill in your clay soil.

I have never had to pay for an oil spill like this, and hope I never do, but I have seen what can go wrong in this industry. You don’t spent 22 years in business without learning some things.

Back in the days when I still plowed snow, I was sued three times one winter by people who claimed to have slipped and fallen in a parking lot that I had cleared. The smallest lawsuit was for $250,000. Because I had insurance, and kept very good records of the work that I did, I paid zero dollars. If I did not have insurance, I would have spent tens of thousands on lawyers to fight these cases even though I had the records to prove that I was in the right.

It seems to me that a person who only does a little bit of this work every year is the one who should be most concerned about proper insurance, as you can least afford a big expense like what will happen if something goes wrong.

There have been a number of single person operations in my area who have been forced into bankruptcy because something minor went wrong and they did not have the proper insurance for it. Some of these people lost everything they owned because they were not insured.
In terms of the work I'm doing with a very basic Champion log splitter most of the risks are minimal. The whole hydraulic system only holds a few gallons, leaks are inevitable with these machines but they are never more than a few ounces here and there, so I have no idea why you are projecting gallons leaking out. The few customers I get would do the work themselves, get a rental or home owner splitter and split their logs but they don't have the time for it. I've used many units over the years, am familiar with the large professional units costing upwards of $5K which make no sense unless you are doing hundreds of cords a year. I know tree guys who split all their wood up by hand.

Alternatives are loading up 20-30 yard dumpsters with wood or having the large trucks to haul away wood. I'm just in a different league with an old Subaru Forester and trailer hitch.

Even with hand tools there are risks but the overriding demands of maintaining one's own health minimize injuries as well as trust, gratitude and faith in God.
 
In terms of the work I'm doing with a very basic Champion log splitter most of the risks are minimal. The whole hydraulic system only holds a few gallons, leaks are inevitable with these machines but they are never more than a few ounces here and there, so I have no idea why you are projecting gallons leaking out. The few customers I get would do the work themselves, get a rental or home owner splitter and split their logs but they don't have the time for it. I've used many units over the years, am familiar with the large professional units costing upwards of $5K which make no sense unless you are doing hundreds of cords a year. I know tree guys who split all their wood up by hand.

Alternatives are loading up 20-30 yard dumpsters with wood or having the large trucks to haul away wood. I'm just in a different league with an old Subaru Forester and trailer hitch.

Even with hand tools there are risks but the overriding demands of maintaining one's own health minimize injuries as well as trust, gratitude and faith in God.
I know what you are saying, but I still disagree. If the main hose off your pump blows, and it can happen, especially on a cheap machine like that, the pump will likely empty out the tank before you can shut it off. That takes only seconds, those pumps move oil faster than you think, and you can’t approach a spraying hose without much physical danger. You should be prepared for the cost of remediation of the entire tank volume at minimum if you’re not going to carry insurance.

I am a Christian and have a lot of faith in God, but He teaches us not to take undue risks or put him in a position to rescue us from intentionally presuming upon his protection.

If your customers are hiring you for a service they don’t want to do, you should charge a premium. Make it a per-cord rate rather than an hourly rate, and set it at 3/4 the value of a cord of purchased wood, you would probably increase your income and make the homeowners feel like they’re getting a bargain hiring you.
 
In kinda in that boat.


Do I know less than I did when I passed the test for the first time 15 years ago.


Considering retesting.
In this state the arborist certification is heavily centered around pesticide applications and regulations. As one major climber who worked for a large tree service in Greenwich who never got the license--and he had been in the field since the 60s used to say, 90% of spraying is unnecessary--you could say it is largely anti-environmental. I have the PP Pirone "classic" "Tree Maintenance" from 1962 which recommends all manner of toxic sprays including DDT and other since banned toxins. How many people died of cancer and other devastating diseases due to all these unnecessary toxic sprays? Where is the consciences of these people who'd profit off other people's misery? I spoke with the manager at the local arboretum in the spring and he went over the state tree and shrub licensing program and how many go through the very demanding process of passing the tests, etc., and then find it really doesn't help their economic prospects much. Most just let their certification lapse after then find it isn't helping them. It's a money raiser for the state fueled by all the toxic chemical spraying. All the talk about the "calipers" of trees, the pretentious latin names, and other gobbledegook language strikes me as more a religion than real respect for the natural order. There is some real and useful study and language in arboriculture, most of it is common sense.
 
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I know what you are saying, but I still disagree. If the main hose off your pump blows, and it can happen, especially on a cheap machine like that, the pump will likely empty out the tank before you can shut it off. That takes only seconds, those pumps move oil faster than you think, and you can’t approach a spraying hose without much physical danger. You should be prepared for the cost of remediation of the entire tank volume at minimum if you’re not going to carry insurance.

I am a Christian and have a lot of faith in God, but He teaches us not to take undue risks or put him in a position to rescue us from intentionally presuming upon his protection.

If your customers are hiring you for a service they don’t want to do, you should charge a premium. Make it a per-cord rate rather than an hourly rate, and set it at 3/4 the value of a cord of purchased wood, you would probably increase your income and make the homeowners feel like they’re getting a bargain hiring you.
Being straight forward is my aim. Debate and back and forth is healthy. I'd put my work not in the "professional" category you are in, as I'm the smallest of small operators. I'd think that the principle would be, if I want to do occasional neighborly work for people, to keep the equipment in top shape so that equipment failures do not happen. I have a friend in New London county who has a high end professional who is a welder and engineer at the Navy ship yard production and will try to run it by them.
 
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I realize the problems of being presumptuous and I have no doubt I'll be called out on this and other forums if I write something that is off base. Debate and back and forth is healthy. I'd put my work not in the "professional" category you are in, as I'm the smallest of small operators. I'd think that the principle would be, if I want to do occasional neighborly work for people, to keep the equipment in top shape so that equipment failures do not happen. I have a friend in New London county who has a high end professional who is a welder and engineer at the Navy ship yard production and will try to run it by them.
If you are going to work without insurance, I think you should tell your customers that you are not insured, and have them sign a waiver that prevents you from being held liable in the instance that something goes wrong.

You could also approach some of your more reliable customers, explain that you would like to begin carrying insurance, but you would need to increase your rates slightly, five dollars an hour perhaps. See what they say about that.
 
I have had a liability insurance program for over 20 years. Me and the client are protected against ruinous financial loss if something damaging occurs.
I have never carried workman's compensation insurance for myself, and have lost one job a few years ago when I didn't have employees so no WC. Have you considered that this is the type of insurance that your clients want to see? If you are injured or maimed, they do not want to be on the hook as you could sue them for damages to your physical self while working for them, at their direction.
So much work goes into splitting wood. Triple your rates and quote the jobs for a set price after you get liability insurance as a landscaper.
 
Let's say you are at $400 per hour.

10 minutes is $67. $67 x 12 months = $800/year.

I have a hard time imagining an operation big enough to charge $400/hour only paying $800 per year for insurance.

Or am I missing something?

Even just the general liability portion of the policy has gotta be more than that ignoring equipment and vehicle coverage, right?

I don’t often work by the hour, but I’ve not worked a normal job for $400/hr in years.

Normally we have a Manitou 3060, 416hp 22” chipper, Yanmar SV100, and a 165hp stump grinder on the job.

We’re not set up to do every job by a long shot, so we focus on our strengths. If not for it being occasionally handy and mainly my ego, I’d sell my 92’ lift.
 
If you are going to work without insurance, I think you should tell your customers that you are not insured, and have them sign a waiver that prevents you from being held liable in the instance that something goes wrong.

You could also approach some of your more reliable customers, explain that you would like to begin carrying insurance, but you would need to increase your rates slightly, five dollars an hour perhaps. See what they say about that.
This smacks of infantile, servile and pathetically passive contractor/customer relationships. Landscapers using power equipment for maintenance, you could always argue that anything bad could happen therefore insurance should be mandatory. Frankly what's the chance of injuries, damage or problems? If someone is inexperienced, doing huge amounts of work or have employees clearly they should do the common sense thing to have some liability and other insurance.
 
I have had a liability insurance program for over 20 years. Me and the client are protected against ruinous financial loss if something damaging occurs.
I have never carried workman's compensation insurance for myself, and have lost one job a few years ago when I didn't have employees so no WC. Have you considered that this is the type of insurance that your clients want to see? If you are injured or maimed, they do not want to be on the hook as you could sue them for damages to your physical self while working for them, at their direction.
So much work goes into splitting wood. Triple your rates and quote the jobs for a set price after you get liability insurance as a landscaper.
Then you'd get no work, none of the customers will pay those rates unless you are, for example one of the $3K-$4K and up a day aerial tree services around here. Most of those with wood piles either do the work themselves, leave the wood to rot or have it hauled out.
 
This smacks of infantile, servile and pathetically passive contractor/customer relationships. Landscapers using power equipment for maintenance, you could always argue that anything bad could happen therefore insurance should be mandatory. Frankly what's the chance of injuries, damage or problems? If someone is inexperienced, doing huge amounts of work or have employees clearly they should do the common sense thing to have some liability and other insurance.
I strongly disagree. Landscapers also are required to carry insurance, in fact anyone doing work for hire needs to carry insurance. Doesn’t matter what kind of work you are doing, if you are getting paid for it, you are putting yourself and those you are working for at risk therefore insurance is a necessity.
 
This smacks of infantile, servile and pathetically passive contractor/customer relationships. Landscapers using power equipment for maintenance, you could always argue that anything bad could happen therefore insurance should be mandatory. Frankly what's the chance of injuries, damage or problems? If someone is inexperienced, doing huge amounts of work or have employees clearly they should do the common sense thing to have some liability and other insurance.
I started my career in landscaping, by the way. I was insured back then, and I am still insured now. The only work I have ever done without insurance was a couple lawns I mowed for neighbors while I was a teenager, and one winter that I cleared driveways with my grandfather‘s snowblower in the neighborhood I lived in. After that, I bought a pick up truck, a snowplow, and an insurance policy to go with it. Plowing insurance was expensive, but worthwhile. I have never regretted paying for insurance. I’ve used it a couple times over the years, and I’ve always been happy to have it.

You ask what the chances are of something going wrong? To me, if that chance is much more than zero, I want to be covered for it. I especially want to be covered for the things I cannot afford to pay for myself. I will not file an insurance claim for something that causes $5000 damage, I’ll simply write a check. However, our insurance would cover that if I chose to use it. If something went wrong and you had caused even $2000 damage to one of your customers’ properties, could you afford to write that check? If the answer is no, you need insurance.
 
I know insurance varies, I pay nearly 25k per year.
This gets me general liability, professional liability, commercial auto, inland marine, and workers comp for the two employees.
Workman’s comp is an hourly rate paid to the state here, at ~4.50 per hour/per worker.

Owner operator insurance is cheap. Typically based on estimated gross. I’d have it even if I did less than 10k on the side per year. If it ate too deep into that 10k annual I’d just work an extra day per year to pay for the policy.

It’s really stupid not to have insurance!
 

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