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Overview — Colonial General Insurance Agency, Inc. Tree Trimmers Insurance Colonial General Insurance Agency, Inc. offers a specialized Tree Trimmers Insurance program designed for agents placing tree care and arborist risks. This program provides both property and liability solutions on a mono-line or packaged basis for insureds whose primary operations are planting, transplanting, pruning, fertilizing, applying pesticides/herbicides, bracing, and removing trees. It is not intended for logging, lumbering, or large-scale land-clearing operations. Policy Highlights The program combines flexible property options with robust commercial general liability and ancillary coverages tailored to tree care contractors. Coverages are available through admitted markets in select states and non-admitted/Excess & Surplus (E&S) placements where required. Ideal Accounts and Appetite Independent tree trimming and pruning contractors serving residential and commercial customers Arborists who provide transplanting, fertilization, bracing, cabling, and tree removal services Companies that apply pesticides/herbicides as part of tree care (pesticide applicator coverage available) Operations that own and use contractor’s equipment, bucket trucks, and specialty tools The program typically favors small- to mid-sized operations with standard tree care exposures. Risks primarily involved in logging, sawmill operations, or heavy land clearing are outside the appetite. Coverage Highlights and Advantages Property coverages: Building, Contents, Accounts Receivable, Business Income, Computer Equipment, Contractor’s Equipment, Outside Signs, Valuable Papers; options for Basic, Broad, or Special forms and Replacement Cost or Actual Cash Value settlement. Equipment Breakdown: Optional coverage for mechanical and electrical breakdown of covered equipment. Commercial General Liability: Primary limits available up to $3,000,000 occurrence/aggregate with Additional Insured options (blanket additional insured available) and Excess/Umbrella limits up to $25,000,000. Pollution and pesticide exposures: Pesticide/Herbicide Applicator Coverage included to policy limits; In-Transit Pollution Coverage typically $25,000 per occurrence / $100,000 aggregate. Care, custody & control: Property Damage Extension for customer property (examples: care/custody/control) with typical limits of $5,000/$25,000 and the option for higher limits. Errors & Omissions: E&O coverage part available to address professional exposures tied to arboricultural advice and services. Loss control: Loss prevention brochure and underwriting guidance available to help reduce frequency and severity of claims. Underwriting Notes and Minimums Underwriters will evaluate operations, payroll, revenue, equipment values, pesticide application practices, and loss history. Minimum deductibles and underwriting requirements apply; a $1,000 minimum deductible is commonly required. Limits, terms, and availability may vary by state and carrier. Common declines or referrals: logging/lumbering operations, large tree removal on development/clearing projects, and accounts with repeated severe liability/property losses without demonstrable loss-control improvement. Territories and Admitted Status Available in: AZ, CA, CO, ID, NV, NM, UT, WY. Colonial General places business in both admitted and non-admitted markets depending on state and risk characteristics — some admitted markets are available while E&S solutions are provided where needed. Why Place This Business with Colonial General Insurance Agency, Inc. As a Managing General Agency and E&S broker, Colonial General offers focused underwriting for tree care contractors, flexible limits, packaged options, and access to multiple carriers (varies by state). Agents benefit from specialized underwriting that understands arborist operations, available E&O and pesticide applicator coverages, and loss control resources to help improve renewability and terms. You can use this program when you have clients that need contractor’s equipment protection, pesticide applicator limits, or higher umbrella limits tied to tree operations and who do not fit standard admitted markets. Example Accounts Small residential tree service with three crews that prune and remove trees, owns two bucket trucks and assorted equipment — seeking general liability, equipment coverage, and business income protection. Mid-size arborist firm that provides pesticide treatments and offers consulting/inspections — needs liability with pesticide applicator coverage and an E&O limit for professional exposure. Frequently Asked Questions What types of tree service businesses are a good fit for this program?This program targets tree care and arborist contractors whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and routine tree removal. It is best for small- to mid-sized residential and commercial tree service firms, not logging or lumbering operations. Are pesticide and herbicide exposures covered?Yes. Pesticide/Herbicide Applicator Coverage is available and typically provided to policy limits. Underwriting will review application practices, licensing, and any required state certifications. What liability limits and excess options are available?Primary commercial general liability limits are available up to $3,000,000 occurrence/aggregate, with Excess/Umbrella limits up to $25,000,000 depending on carrier capacity and risk characteristics. Is equipment coverage available for specialized contractor tools and vehicles?Yes. Contractor’s Equipment coverage is part of the property package. Equipment breakdown, replacement cost options, and in-transit coverage are also available depending on the submitted values and schedule. Need help placing an account? Connect with a market specialist.

Cochrane & Company offers a focused Tree Trimmers Insurance program for businesses whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and tree removal. This program is designed for professional arborists and tree care contractors working in residential, commercial, or municipal settings. It is not intended for risks that involve logging, lumbering, or timber harvesting exposures. Ideal Accounts and Appetite This program targets tree trimming and arboriculture operations rather than timber or logging businesses. Typical accounts that fit the appetite include: Independent tree care contractors Licensed arborists and dedicated tree service companies Landscaping firms where tree trimming is a primary exposure Municipal tree care and public works vegetation crews Operations with logging, lumbering, timberland management, or extensive sawmill exposures do not fit this program. Coverage Highlights and Advantages Policies can be written monoline or packaged to match the insured’s needs. Key features include: Property Coverage Basic, Broad, or Special Form options Property Extension Endorsement Inland Marine coverage for specialized tools and equipment Commercial General Liability Primary limits available up to $3 million occurrence/aggregate Additional Interests - $100 each (Blanket Additional Insured option available) Excess or Umbrella limits up to $25 million Errors & Omissions coverage available as a Coverage Part Medical Payments - $5,000 limit Pesticide/Herbicide Applicator Coverage - available up to policy limits In-Transit Pollution Coverage - $25,000 per occurrence / $100,000 aggregate Property Damage Extension (Care, Custody, Control) - $5,000/$25,000 (higher limits available) Crime Coverage Inside the Premises - Theft of Money and Securities Inside the Premises - Robbery or Safe Burglary of Other Property Outside the Premises coverage available All accounts require a $1,000 minimum deductible. Cochrane & Company provides a Loss Prevention Brochure to help insureds reduce exposures and maintain compliance with industry best practices. Underwriting Notes and Minimum Premiums Minimum premiums vary by risk characteristics and coverage selections. Underwriters prefer accounts that demonstrate documented safety programs, certified arborist credentials, routine equipment maintenance, and a strong loss-control history. Additional insureds can be added individually or via a blanket endorsement to simplify certificate issuance. Territories and Availability This program is available on a non-admitted basis in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Writing on a non-admitted basis provides flexibility to place non-standard or challenging risks that may not fit admitted markets. Why Work With Cochrane & Company? As a Managing General Agency specializing in niche commercial programs, Cochrane & Company gives agents access to competitive carriers and responsive underwriting tailored to tree care operations. Their underwriting team understands the industry-specific risks—such as pesticide application, aerial lift operations, and property damage from falling limbs—and can structure limits and endorsements to address those exposures. Agents benefit from streamlined submissions, flexible additional-insured options, and loss-control resources designed for arborists and tree service providers. Example fits you might place through this program: A licensed arborist business performing residential pruning, tree planting, and occasional removals seeking CGL limits to $1M/$2M with inland marine for chippers and bucket trucks. A municipal tree maintenance contractor that applies pesticides and needs applicator coverage plus a blanket additional insured endorsement for city contracts. For more information on Tree Trimmers Insurance or to submit a submission, please contact Cochrane & Company. Frequently Asked Questions What types of accounts are a good fit for this Tree Trimmers Insurance program?This program is best for businesses where tree care—pruning, planting, fertilizing, pesticide application, and removal—is the core operation, such as arborists, tree service contractors, landscaping firms with primary tree exposure, and municipal tree crews. It excludes logging and timber-harvesting operations. Is this program available in all states?No. The program is currently offered on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Are there coverage options for pesticide or herbicide application?Yes. Pesticide/Herbicide Applicator Coverage is available up to policy limits, and In-Transit Pollution Coverage is included as specified in the policy. Can I add additional insureds for my client?Yes. Additional interests can be added for $100 each, and a Blanket Additional Insured endorsement option is available to streamline certificates and contract compliance. What is the minimum deductible required?All accounts written through this program carry a $1,000 minimum deductible. Minimum premiums vary based on exposures and coverage choices. Need help placing an account? Connect with a market specialist.

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