Stump grinding insurance
Stump grinding looks simple until a rock goes through a window or the teeth find a gas line. Get a stump grinding insurance quote built for grinder operators.
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.
The risks of stump grinding
- Thrown chips, rocks and debris breaking windows, siding or vehicles
- Cutting buried irrigation, low-voltage lighting, cable or gas lines
- Damage to foundations, driveways, sidewalks and patios next to the stump
- Injuries to customers, kids or pets who wander into the work area
- Theft of or damage to the grinder itself
What stump grinding insurance usually includes
General liability is the core. Make sure stump grinding is listed as an operation on the policy, especially if you are also a landscaper or tree trimmer.
Equipment coverage protects the grinder. Most grinders are worth well over $2,500, so they are usually scheduled by year, make, model and value.
Commercial auto covers the truck that tows the grinder. Commercial auto for tree services.
Call 811 before you grind
Underwriters ask whether you use 811 / Dig Safe before digging. Grinding below grade counts. Calling first is the single easiest way to prevent the most expensive stump grinding claims.
Common questions
Do I need stump grinding insurance if I'm a one-person operation?
Yes. Property owners and commercial clients often ask for a certificate of insurance before you start, and a single buried-line strike can be expensive.
Is my stump grinder covered under general liability?
No. General liability covers damage you cause to others. Your own grinder needs equipment (inland marine) coverage.