solo op tree insurance

Discussion in 'Tree Service Safety' started by szykan, Oct 12, 2013.

  1. szykan

    szykan LawnSite Member
    Posts: 68

    Im a solo operation and I went to get a quote on tree work insurance and they said I needed at least one employee other than myself. Any solo guys have a company they use that insures one man operations for large trees? Thanks
     
  2. GreenI.A.

    GreenI.A. LawnSite Silver Member
    Posts: 2,132

    I first got into the industry as an arborist, I had the same problem. Their reasoning is that if you get injured while alone, you are going to lie their and more likely bleed out before the property owner finds you. If you have an employee with you he can call 911 and apply first aid.

    The way I got around this in the very beginning was I hired a friend part time. I only used him when I had take downs, jobs where I had to climb, or when using a large chipper. He was on the books and covered by workmanship comp. WC is based off of a percentage of payroll, so if you are only using him on the jobs where you need him for insurance, it won't cost to much. The problem with having a guy part time and only using him when you need him, is that without a regular check you will probably loose him to someone else. I used a buddy who was a firefighter, so he had 4-5 days off a week. He had a regular check making 100k a yr, but enjoyed the extra couple hundred I could throw him for a days work when I needed him.
     
  3. szykan

    szykan LawnSite Member
    Posts: 68

    Thanks a lot. That's pretty much what I found out and thought of. Not ready for the part timer for now. Looks like I will just have to refer or contract out if I have any jobs. I did get the insurance for all my landscaping and maintenance. Now I know once I get an employee I can advertise for tree work. Thanks again
     
  4. recycledsole

    recycledsole LawnSite Gold Member
    from MD
    Posts: 3,231

    You really shouldn't do most tree work alone. Especially climbing. If you get injured while you are up there?
     
  5. szykan

    szykan LawnSite Member
    Posts: 68

    I don't climb. I was looking at easier tree jobs, but until I get an employee I can't get the insurance. So until then I will stick to the lawn care side until finances allow expansion into tree work.
     
  6. twomancrew

    twomancrew LawnSite Senior Member
    Posts: 945

    The same goes for a lot of things like an auto shop with a lift. No cars come off the ground when you are by yourself. OHSA will straighten you out quick.
     
  7. recycledsole

    recycledsole LawnSite Gold Member
    from MD
    Posts: 3,231

    That's good.
     

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