ArboRisk | Insurance | Risk Management

Ooof! Is your Business Auto Insurance cost skyrocketing? We consistently hear that the largest insurance issue for tree care companies right now is the cost of their business auto insurance. And to make matters worse, the cost is not the only thing that is frustrating in today’s Business Auto insurance environment. Tree care companies are also having trouble adding vehicles due to the value or size as well as dealing with tighter driving record requirements from the insurance companies. So how do you gain some control of your Business Auto insurance? Watch the video above or click below to learn 4 ways to lower your business auto insurance cost! /2023/12/4-ways-to-lower-business-auto-insurance-cost/

Within the tree care industry, every business has a few key players on their team that help the business succeed. What happens when one of those key team members moves onto another company or much, much worse, suffers a tragic accident and is no longer around? Protecting the business from losing a key person is a risk management must. 🌲 What is a key person? A key person is an individual within an organization, whether an owner, partner or employee, who makes an essential contribution to a business. 🌲 What is a key person policy? A key person policy is a life insurance policy paid for and owned by the business. The business is the beneficiary of the policy in the event of the death of the key person. 🌲 To learn more about key person insurance, watch the video above or click here to read the full article: /2022/04/key-person-insurance-as-part-of-a-risk-management-plan/

@trashpandadiscgolf @udiscapp #earthdaybingo2026

Using subcontractors for some or all of your labor within your tree care company can be a smart strategic move for your business, however, it must be done correctly to avoid opening your company up to unnecessary exposures. While there are many exposures that tree care companies face with subcontractors, I want to focus this article only on the exposure that comes from an on-the-job injury to the subcontractor as it seems to be a misunderstood exposure that we often need to educate tree care company owners on. You got it, this means we’re gonna talk about Workers’ Compensation and how it relates to subcontractors. Watch the video above or click below to read more on subcontractors and work comp! /2024/04/subcontractors-and-work-comp/

Whether you’ve been following ArboRisk for a while or are fairly new to our weekly business tip, you’ve probably noticed that we like to talk about Risk Management a lot! The main reason is that while as a concept it is fairly easy; the process of preventing or minimizing injuries and accidents, in practice it can feel overwhelming at times. In this article, I will give a way to simplify risk management for your tree care company so you are prepared before something bad happens. Watch the video above or click here to read the full article: /2023/04/simplify-risk-management/

If you’ve been following ArboRisk for any amount of time, you’ve probably heard me say it before: “Don’t hire a workers’ comp claim.” It’s a simple statement, but it carries a lot of weight, especially in the tree care industry, where the physical demands of the job are high and the margin for error is low. In a past article on pre-employment testing, I emphasized that hiring isn’t just about filling a spot on your team, it’s about making sure the person you bring on can actually perform the job safely. When that piece is overlooked, it’s not a matter of if an injury happens, it’s when. That’s where a properly structured pre-employment physical comes into play. While many companies focus on interviews or basic screenings, the physical evaluation is your opportunity to match a candidate’s real-world capabilities to the actual demands of tree work. Because every role, from groundperson to climber to equipment operator has different physical demands, your evaluation process should be tailored accordingly. That said, there are several core components every tree service should include. Watch the video above or click below to read the full article: /2026/04/pre-employment-physicals/

At ArboRisk, we often hear people say they want to build a better safety culture, but many times they don’t know how to do that. Because we all know a great safety culture doesn’t just look at the health and wellbeing of your employees - it also incorporates equipment maintenance, public safety both on the jobsite and on the road, and your brand reputation, you must be strategic in establishing the safety culture that you want within your organization. By creating a strong safety culture, you are developing an ethos for your company and giving your employees an idea of how things are done in your business. Your goal should be to ingrain in the collective memory of your team, through repetition, routine and diligence, the importance of making sure every employee gets home safe each night. Here are my 4 tips to create a stronger culture of safety within your business! Watch the video above or click here to read the full article: /2021/09/4-tips-to-create-a-culture-of-safety/

Seventy-five percent (75%) of all work-related fatalities in the United States come from making a mistake while doing routine work. Although employees should be checking their gear on a daily basis, thoughts like, “I checked it yesterday, my gear is all right, I’ve climbed on it a hundred times, nothings gone wrong, etc.” normalizing and complacency can get in the way. One way to combat this issue is to do a peer to peer gear inspection on a monthly basis. Today, Peggy Drescher shares some tips to get this going in your company. Watch the video or head to our website to read this week's tip: /2019/11/peer-gear-inspection/

Being able to effectively communicate is one of the most important skills that successful people possess. It’s why it is no surprise that it is also the foundation for a great safety culture. Effective communication requires both the sender of the information and the receiver to become actively engaged in what is being discussed. So how can you help encourage effective communication within your team while improving your safety culture? Implement a Stop Work Authority policy. Watch the video above or click below to read what this means and how to implement it! /2024/03/stop-work-authority-policy/

One of the common hangups that tree care companies have regarding safety is how to document their efforts. All too often, the owner feels paralyzed by what they think they need to document thereby preventing them from documenting anything. I want to simplify it so you can start documenting the safety and training efforts that you are probably already doing and set you on a path to be able to build a better safety and training program within your company. But first, why do you need to document safety and training efforts within your company? The answer is quite simple. You, as the owner of the tree care company, have a responsibility to create a safe work environment for your employees. Now creating a safe work environment for an arborist can be quite the challenge with new or multiple worksites each day, a tree care company has a lot less control over the work environment than a plastics manufacturer where all of their work is being done inside four walls. In fact, you will never be able to create a work environment that is completely void of all hazards, however, that is precisely why training your employees on a regular basis is really the only way that an employer can attempt to achieve that goal. Documenting the training that has been done is your way to prove that it happened. So, in my opinion, there are three types of crucial safety documents that every tree care company must have. Watch the video above or click below to read these three types! /2023/09/documenting-safety-efforts/

Commitment. In today’s fast paced world, the one thing all companies and people are looking for is commitment. When you get a customer to commit to you, and become a repeat customer, you are winning the “game.” But how do you establish commitment? To begin to focus on commitment, many companies need to change their mindset. Rather than worry about the money or potential money a customer could bring in, think of them in terms of commitment. And how do you get someone to commit to you? You give them ATTENTION. In other words, give your customers the attention they deserve and they’ll reward you with dollars for your business. Attention to your customers in the marketing and sales world is just as important as it is in your personal life or real life. So how do you make your customer and potential customers feel special? Below are our good, better, best ideas for giving your customer the attention they deserve! Watch the video above to learn more or click here to read the full article: /2022/01/attention-is-the-new-currency/

#TestimonialTuesday This testimonial really resonated with our agency. Many times we have tree care companies that come to us with the same dialogue: 🍃 "My agent doesn't care." "My agent doesn't understand the tree care world." "I talk to my agent once a year - at renewal." 🍃 At ArboRisk, we strive to keep customer service top of mind and work hard to maintain a business partnership with your tree care company throughout the year, every year! We work hard to make sure that the service we provide is as great, if not better, 10 years down the line as it was in the beginning. We are a trusted partner that is here to help you grow and develop your business! 🍃 Learn more about us here: /about-us/