Why San Bernardino Arborist Businesses Need Small Business Insurance for Tools and Liability
As an arborist in San Bernardino, your expertise in maintaining the diverse flora surrounding landmarks like the San Bernardino National Forest is crucial for a vibrant community. However, job-site risks and potential tool damage can lead to significant financial setbacks. Small Business Insurance from Burbank Insurance Services, partnered with Coterie, offers you an instant solution to protect your business.
Risks Arborists Face in San Bernardino
Working as an arborist in San Bernardino exposes you to unique challenges, especially with the city’s varied climates and ecosystems. Coterie’s Business Owners Policy (BOP) combines General Liability and Property Insurance, covering over 80% of small businesses like yours. As you maintain trees across the city, whether around Lake Gregory or near the iconic Route 66, the risks are not just limited to tree health. Falling branches can injure clients or bystanders, and spilling equipment can damage properties, leading to claims that disrupt your workflow. The insurance coverage is designed to shield you from these liabilities, ensuring you're financially protected while working in residential areas such as Crafton Hills or the tranquil surroundings of the Santa Ana River. Furthermore, having coverage for your vital tools—like chipper shredders and chainsaws—is crucial when storms heavily impact the area, as the valleys often do. [LOCAL DETAILS ADDED FOR GEO-RELEVANCE]
- Tool Malfunctions: Your chainsaw breaks mid-job, leading to costly repairs.
- Client Injuries: A client scrapes their arm on equipment during a job, resulting in a medical claim.
- Property Damage: During a tree removal, you unintentionally damage a neighbor’s fence, facing legal action.
Be Aware of Exclusions: Coterie’s BOP excludes coverage for Workers’ Compensation and damages from natural disasters. You might want to consider adding endorsements like Hired and Non-Owned Auto Insurance for business use of personal vehicles.
Why Choose Coterie's Small Business Insurance?
Traditional insurance methods can be a tangled mess, leaving San Bernardino arborists feeling frustrated by slow processes and convoluted terms. Coterie uses technology to streamline everything, providing you with faster service and clearer policies so you can focus on what matters: keeping the community’s trees healthy and beautiful.
Why Trust Coterie for Your San Bernardino Arborist Business?
Founded in 2018, Coterie has quickly established a reputation for offering A-rated coverage, backed by top insurers. Here are the benefits you gain:
- Instant online quotes to accommodate your busy schedule.
- 24/7 digital policy access for hassle-free management of your insurance.
- Affordable coverage for businesses up to $10M in revenue.
Don’t Let Claims Derail Your San Bernardino Business—Act Now!
One significant claim could deeply impact your arborist business. Secure Small Business Insurance through Burbank Insurance Services and Coterie. Click below for an instant quote and protect your business today!
Disclaimer: Business must be in California to apply.
