by smcmillan94 » Fri Apr 16, 2010 05:58 am
what companies would I talk to about liability coverage for a DBA tree trimming and removal company (no worker's comp desired as all employees are owners and therefore not covered)
Posted: Fri Apr 16, 2010 07:30 am Post Subject:
You haven't mentioned anything regarding the place you're in.
Please go through the following link- ampminsure.org/start/trimming-business-insurance.html
I've also found out the following insurance carrier-
Shifflett Insurance, Inc.
3047 Center Point Rd.
Cedar Rapids, IA 52402
Toll Free: 800-584-7012
Fax: 319-398-7461
(They're serving across 8 states)
Posted: Fri Apr 16, 2010 03:48 pm Post Subject:
You wouldn't talk to the companies, you would talk to an agent/broker. This may be a risk that has to be "exported" to a nonadmitted insurer as "surplus lines" insurance.
Are you the only "worker" doing the tree trimming? I seriously doubt it. Those who you employ would need to be covered by a Workers' Comp policy. When you say all "employees are owners" do you mean a partnership, LLC, or corporation? Doesn't mean you can't have a workers' comp policy, just may not be required by law (like a sole proprietor).
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