Who carries E & O insurance?

I have Liability but not E&O. It's worth looking into.

Came across a nasty cavity way up in a tulip tree crown. I made sure to note it and have the boss advise the clients to cover our a$$....
 
As part of my professional evolution I did the CYA today with a repeat customer. I'd mentioned in the past about the twin leader co-dominants, bracing and cabling, elevated risk. I decided to put it in writing today with her bid, and simply had her initial next to each paragraph regarding root disease present in her area (including her trees), and deadwood in the crown over her sitting area and house.

I figure that this is a step forward. Perhaps I should get 2 part NCRs for site evaluation form that go with consultations/ bids/ work performed. This may help to cover my butt, and be a way to remind them of needs that their trees have/ may have, which they can refer to in the future.

I'll be investigating E & O more. I kinda got to a dead end somehow when I initially asked my insurance agent. Too many hats, and I dropped that endeavor while juggling everything else.
 
We carry it, as I write tree appraisals for customers including municipalities and large companies. We have also had a increase in neighbour disputes over branches extending into yards. Some of the public is getting informed to the point that they will use this report to protect their property, so we have to protect ourselves. It's not cheap, we pay $3800 CDN a year for it. hope this helps.
 
We carry it. We dont do anything too crazy, just some hazard tree assessments every once in a while, but we figure it is good protection just in case you miss something in a yard after working out in the hot sun after a long day. you can be as careful as you want, but we are all human and errors can be made.

I am not sure what we pay, I can check on it if you really want.
 
[ QUOTE ]
We carry it. We dont do anything too crazy, just some hazard tree assessments every once in a while, but we figure it is good protection just in case you miss something in a yard after working out in the hot sun after a long day. you can be as careful as you want, but we are all human and errors can be made.

I am not sure what we pay, I can check on it if you really want.

[/ QUOTE ]


What do you pay?

thanks.
 
Give me a day or two and I will dig it up. I am not the person who usually deals with the insurance stuff. My partners wife works for an insurance company so they deal with most of that stuff. They do their best to inform me, but much of that stuff just goes in one ear and out the other for me.
 
After last weekend I'm thinking about it. I did a pro bono job for a lady who was being foreclosed... long boring story. Anyway, it was a 60" red oak with a caved in top from lightning strike and I agreed to get the dead stuff out. It was pretty big wood for 80' up, the central 25" leader was laying across the top of the tree. Lot's of tangled branches and residual stress, it was fairly hairy to get that stuff out of there. I left a second leader which had some of the bark blown off but it was still green. I'd kinda had more than I bargained for at that point so I let the lady know that I was finished and that it should be inspected in Spring to see if it was making foliage and callous but no one ever called.

I happened to drive by the site last week... happened to be right after a thunderstorm and I'll be damned if that second leader wasn't laying on a guy's Bronco... or rather, IN the guy's Bronco.

As it stands, no one has called, the bank owns the house now and somebody else cut up the wood but it's still lying there.

Clearly that could be an E&O case and I would probably lose. Only saving grace is, I'm not worth suing. It was a bad decision to take on a job that time consuming for free but the lady who owned the house was in a bad place being foreclosed and losing her business so I was a sap.

Incidentally, the way she lost the house was, a bank called in her business loan early and she couldn't pay it so they took her house. Sweet deal for the bank, they got to call it a bad loan along with 1000's of other perfectly good loans and thus qualify for TARP bailout money plus they got a nice historic home for peanuts.
Just remember, the law is here to protect YOU... and I have a great deal on some waterfront property if anybody is stupid enough to actually believe that.
 
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