Arborist, Tree Care and Landscape Contractors Insurance



Running a tree care or landscape business has many challenges, not the least of which is anticipating the risks you face. 

What if a tree falls in the wrong direction, and damages your customer's gorgeous, refurbished 1956 Chevy. Or you're in an accident in your work truck, and your pesticides spill all over the city street.

At Insurance121 our focus is YOU, to be sure when the claim happens (and they do happen), that you have good protection, and that is doesn't break the bank to pay for good protection.

Our first priority is helping you take care of yourself, your business, your employees, your community and your family.  We know the challenges of small businesses - after all, we're a small business too. We want to learn more about your personal situation, identify your dreams and challenges, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

What's covered by a tree care, arborist or landscape contractor policy - 

There are many important considerations when making a solid insurance plan for any type of contractor. Insurance121 Insurance Solutions offers multiple options in choosing an insurance program to suit your particular business. Whether you're a single operator doing lawn maintenance, or a tree care firm with vehicles, equipment, employees, we can offer programs customized to your business. 

  • Mobile Tools and Equipment
  • Workers' Compensation (including "pay as you go")
  • Umbrella or Excess Liability
  • General Liability
  • Cyber Insurance
  • Employee Dishonesty
  • Commercial Auto

Although the above protection lines are the backbone of a good insurance program, other coverages may be available to you. Landscape and tree care contractors of course have specific insurance needs apart from other contractors.  Some of these options include - 

  • Auto Pollution Liability
  • Herbicide and Pesticide Application
  • Workmanship Errors and Omissions

Example of Workmanship E&O - you have instructions from the homeowner or the business to take out a tree. You misunderstand and take out the wrong tree. Workmanship Errors & Omissions might apply in this case.

Workers' Compensation for Arborists and Landscapers

We offer multiple programs, such as "pay as you go" to help you manage your costs. We'll shop for you to get the best quote for your budget.

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Errors & Omissions for Arborists and Landscapers

One slip-up and you could be spending your time with lawyers instead of in your business. E&O insurance will help you cover your bases.

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Commercial Auto for Arborists and Landscapers

Most common insurance claims come from autos. Be sure your protection is solid. Many optional coverages are offered with most auto insurers.

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Who can take advantage of this specialty industry program - 

Whether you work by yourself with no employees, or have one crew or multiple crews, we have programs to suit your particular situation. Our focus is -

  • Landscape contractors
  • Lawn maintenance
  • Commercial landscape maintenance
  • Arborists and tree care contractors

Why we're different - 

You may think you want the cheapest insurance you can find, but low cost isn't everything. After all, it's said there's no such thing as a free lunch.

While many insurance products are similar in price and function, insurance agents and providers are very different when it comes to structuring a policy to cover you. Your business is unique. Why would you want a one-size-fits-all insurance policy. Many of our insurance carriers offer SPECIALIZED PRODUCTS WITH UNIQUE COVERAGES for various types of businesses.

We’re your neighbors. We protect businesses and people we know and care about. And businesses and people YOU know and care about. And that means we look for ways to protect you better, including carefully choosing the insurance companies we represent, to be both affordable and responsive.

Contact us, and let us at Elk Grove's LOCAL Insurance121 Insurance Solutions help you protect THE BUSINESS YOU'VE PUT YOUR SLEEPLESS NIGHTS, YOUR MONEY, YOUR EVERYTHING, INTO BUILDING for yourself, your employees, your community and your family. We'll help you make wise choices to protect what you value most.

Where we work - 

At Insurance121 Insurance Solutions, we work to protect those of you with a tree care or landscape business in Elk Grove, Galt, and surrounding areas - to include Wilton, Sloughhouse, Rancho Murieta, Acampo, Walnut Grove, Hood, Sacramento, Lodi, Stockton - and throughout California. In Elk Grove, we are members of Elk Grove Chamber of Commerce, Rotary Club of Laguna Sunrise, Rotary Club of Elk Grove and BNI (Business Networking International) Elk Grove Harvesters Chapter.

We're located in Elk Grove, CA and are licensed in California (DOI# 0K01870).

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