What is Crime/LandPro and TreePro?
Crime/LandPro and TreePro are specialized insurance coverages designed to protect businesses in industries such as landscaping, tree services, and land management. These policies help cover unique risks associated with theft, employee dishonesty, and operations involving heavy equipment, dangerous tools, or hazardous work environments.
Who Needs It
Businesses that offer services like tree removal, land clearing, landscaping, or grounds maintenance should consider Crime/LandPro or TreePro coverage. This includes:
- Arborists and tree service contractors
- Landscaping companies
- Land clearing and excavation businesses
- Grounds maintenance professionals
These policies are especially important for companies with employees who handle client property, operate expensive equipment, or have access to sensitive areas.
What It Typically Covers
Coverage under Crime/LandPro or TreePro policies often includes:
- Theft of tools, equipment, or materials
- Employee dishonesty or fraud
- Damage to client property caused during operations
- Injury or property damage caused by tree removal or trimming
- Coverage for mobile equipment used on the job
Depending on the policy, it may also include liability coverage and protection for business property stored off-site or in vehicles.
Common Exclusions and Limitations
While these policies offer broad protection, there are typical exclusions, such as:
- Intentional acts or criminal behavior by the business owner
- Wear and tear of equipment
- Damage caused by subcontractors not covered under the policy
- Losses not reported within a certain timeframe
Always review your policy details to understand the specific exclusions and limits.
Factors That Influence Cost
Several factors can affect the cost of Crime/LandPro or TreePro insurance, including:
- Type and size of your business
- Number of employees and their roles
- Value of tools and equipment
- Claims history
- Coverage limits and deductibles chosen
Customizing your policy to fit your operations can help ensure you’re not overpaying or underinsured.
Proof of Insurance & Compliance
Many clients or municipalities require proof of insurance before allowing work to begin. Your insurer will typically provide a certificate of insurance (COI) showing your active coverages. Requirements vary by state and project type, so always check local rules and contract terms to stay in compliance.
How to Get a Quote
Getting a customized quote is the best way to find coverage that fits your business needs. Start your quote today to explore options for Crime/LandPro or TreePro insurance.
Frequently Asked Questions
What’s the difference between Crime/LandPro and TreePro coverage?
Crime/LandPro focuses more on theft and dishonesty-related losses, while TreePro adds coverage specific to tree service operations, including liability from pruning or removal.
Is this insurance required by law?
Requirements vary by state and by the contracts you take on. While not always legally required, many clients or municipalities mandate proof of coverage for project approval.
Does this insurance cover subcontractors?
Not always. Many policies exclude subcontractors unless they are specifically named or added. Make sure to review your policy or talk to your insurer about including them.
Are tools stored in my truck covered?
In many cases, yes—if your policy includes inland marine or equipment coverage. However, exclusions may apply depending on how and where items are stored.
Can I bundle this coverage with general liability insurance?
Yes, many insurers offer package policies that include general liability, property, and Crime/LandPro or TreePro to simplify coverage and billing.
Still have questions? Talk to a local insurance expert.