Crane operations are an important part of many tree trimming businesses. They can also make an account more complicated to place. For one Georgia tree trimming business, the crane exposure contributed to an insurance program divided between multiple carriers. This created different policies and expiration dates for the client and more complexity for the broker to manage.
That is what made this TreePro account stand out.
The Account: Crane Operations and Multiple Insurance Carriers
The client is a tree trimming business operating in Georgia. Its operations include crane work, an exposure that requires specialized expertise to understand the specialized risks involved in tree care.
Before coming to TreePro, the client relied on multiple insurance companies to address its coverage needs.
The account included:
- Commercial auto
- General liability
- Inland marine
- Excess liability
Although the existing arrangement provided coverage for the operation, dividing the account between carriers created additional administrative work. The client had to manage separate policies rather than one coordinated insurance program.
Looking at the Full Operation
Rather than viewing the crane exposure in isolation, the TreePro underwriting team considered how it fit within the client’s overall tree trimming operation. TreePro was able to combine the client’s commercial auto, general liability, inland marine, and excess liability coverage with one carrier.
For the client, that meant one coordinated policy structure and one common expiration date. For the broker, it meant replacing a fragmented placement with a simpler way to manage the account.
What This Means for Brokers
Tree care businesses can become more challenging to insure as their operations expand to include cranes, heavy vehicles, and specialized equipment. In some cases, brokers may need to piece together multiple policies or carriers to address those exposures.
For brokers, the takeaway is straightforward: A tree care account with crane operations may not require a patchwork placement. TreePro may be able to bring multiple lines together with one carrier and one common expiration date.
Have a tree care account with crane exposure or coverage spread across multiple carriers? Submit the risk to TreePro by NIP Group for consideration.
