Life insurance for tree trimmers
Tree work consistently ranks among the most dangerous jobs in the country. Your business insurance protects the business. Life insurance protects the people who depend on you.
This content is for general information only. It is not insurance advice, a quote, or an offer of coverage. Policy wording controls in all cases. Read the full disclaimer.
Why tree trimmers should think about life insurance
Climbing, rigging, chainsaws, chippers and work near power lines all carry real risk. If something happened to you, your family could be left with a mortgage, truck and equipment loans, and no income from the business.
None of the policies on the rest of this site are built for that. General liability covers injuries to other people and damage to their property. Workers compensation pays certain benefits for work injuries. Life insurance is what pays your family a lump sum if you die.
Who should look at it
- Tree service owners with a spouse, kids or business partners who depend on them
- Climbers and crew members who support a family
- Owners with a mortgage, equipment loans or business debt
- Partners who want a buy-sell plan funded if one owner dies
Be upfront about your job
Life insurance applications often ask about your occupation, whether you climb, and how high you work. Answer honestly. A policy based on incomplete answers can be contested when your family needs it most.
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Common questions
Can tree trimmers get life insurance?
Yes. Some life insurers ask about hazardous occupations and may price or underwrite differently because of climbing and chainsaw work. Answer the occupation questions honestly so the policy you get is one that pays.
Doesn't my business insurance cover me if I'm hurt or killed on the job?
General liability covers injuries to other people and damage to their property, not you. Workers compensation may pay certain benefits for employees and, in some states, owners who elect coverage. Neither is designed to replace your income for your family the way life insurance is.
What is term life insurance?
Term life insurance covers you for a set number of years, such as 10, 20 or 30. If you die during the term, the policy pays a death benefit to the people you name. It is usually the simplest and least expensive type of life insurance.
How much life insurance do I need?
A common starting point is enough to replace several years of income and pay off debts such as a mortgage and equipment loans. Your needs depend on your family, debts and savings.