Tree care businesses may face placement challenges when their operations cross state lines or include work in New York City. For one Connecticut tree care business, commercial and residential jobs throughout New York City’s five boroughs created a specific coverage need. The broker needed a general liability solution that included this work and the required action over coverage.
That is what made this TreePro by NIP Group account stand out.
The Account: Tree Care Across Connecticut and New York City
The client performs commercial and residential tree service work in Connecticut and throughout New York City’s five boroughs. Its operations include:
- Tree trimming and pruning
- Bush and plant trimming
- Tree and plant healthcare
These operations required general liability coverage that accounted for the complete geographic scope of the client’s work.
Looking at the Full Operation
Rather than limiting the solution to the client’s Connecticut operations, the TreePro underwriting team considered the work performed across the client’s full-service area. TreePro was able to provide a general liability solution that included work throughout New York City’s five boroughs and the required action over coverage.
For the client, that meant securing coverage aligned with where the business works. For the broker, it meant finding a solution for an account with a geographic exposure that required specific consideration.
What This Means for Brokers
Tree care accounts can become more difficult to place when contractors work across state lines or perform jobs in New York City. These operational details can affect whether a policy addresses the client’s full scope of work.
For brokers, the takeaway is straightforward: The strongest solution is not always the one with the lowest premium. When a client has specialized coverage needs, securing protection that accounts for the complete operation may provide greater value.
Have a tree care client performing work in New York City or across state lines? Submit the risk to TreePro for consideration.
