Why Every Tree Care Company Needs an Umbrella Policy

by Katie Petersen | Dec 1, 2025 | Risk Management | 0 comments

Why Every Tree Care Company Needs an Umbrella Policy

Written by Eric Petersen, CIC

At ArboRisk, we often say that running a tree care company means managing risk in three directions at once: up, down, and sideways. You protect your people, your clients, and your business from hazards that show up both on the jobsite and long after the work is done.

One of the most important, and most overlooked, tools for protecting the future of your company is an umbrella or excess liability policy. If you’ve ever wondered whether your business really needs one, the short answer is simple:

Yes. You do. Absolutely.

Here’s why.

Tree Work Has a High “Worst-Case Scenario” Potential

You already know tree care isn’t a low-risk industry. Your crews operate heavy machinery, climb high into the canopy, work near homes and power lines, and deal with unpredictable natural forces. The unfortunate truth is that even well-run companies can face incidents with massive financial consequences.

A serious injury, a dropped limb on a house, a multi-car accident involving your chip truck, or a single chainsaw injury can trigger claims well above the limits of your general liability, auto liability, or workers’ comp policies.

Umbrella policies are what catch you when the unexpected free-fall happens.

Your Primary Policies Only Take You So Far

Most tree care companies carry the standard limits:

$1 million General Liability
$1 million Auto Liability
$1 million Employer’s Liability

When things go wrong, these limits can evaporate instantly. Lawsuits today escalate quickly, medical costs continue to climb, and juries are increasingly sympathetic to large settlements.

Umbrella policies step in after your primary policy limits are exhausted, giving you an extra $1 million, $2 million, $5 million, or more in protection.

Without it, the gap becomes your responsibility.

A Single Claim Can Threaten the Entire Business

Many owners assume catastrophic claims happen to “other companies.” But year after year, we see tree services, good companies, well-run crews, hit with:

Seven-figure property damage losses
Auto accidents involving multiple injured parties
Severe bodily injury claims
Lawsuits that drag on for years

Without umbrella coverage, these situations can:

Wipe out cash reserves
Force owners to sell equipment
Damage reputation and client trust
Put long-term contracts at risk
Shut down the business entirely

Your company has worked hard to build a strong foundation. Umbrella coverage exists to keep it standing no matter what comes your way.

It’s the Most Cost-Effective Liability Protection You Can Buy

One of the biggest misconceptions about umbrella policies is that they’re expensive. The reality is the opposite.

Umbrella coverage is usually the most affordable insurance dollar you’ll ever spend.

Compared to the protection it provides, annual costs are shockingly low, especially “per million” of additional coverage.

Think of umbrella insurance as the seatbelt-and-airbag combination for your business:
You hope you never need it, but if you do, it’s the only thing that prevents disaster.

Clients, Municipalities, and Vendors Are Increasingly Requiring It

If you do commercial, municipal, or utility work, you’ve probably noticed a shift: more contract managers are requiring higher liability limits than ever before.

An umbrella policy:

Meets contract requirements
Keeps you competitive on bids
Signals professionalism and reliability
Shows that you take risk seriously

Companies without an umbrella policy are getting left out of bigger opportunities.

Umbrella Coverage Protects the Business You’re Working Hard to Build

You invest in training, gear, equipment, safety culture, and your people—because they matter. Umbrella coverage is simply an extension of that philosophy.

It protects:

Your employees
Your customers
Your assets
Your reputation
Your future

At ArboRisk, we view umbrella insurance as foundational, not optional. It’s one of the strongest tools you have for taking control of your risk and securing long-term stability for your company.

Final Thought: Control the Controllable

You can’t control the weather. You can’t control tree biology. You can’t control every driver on the road. But you can control how well your business is protected when the unexpected happens. An umbrella policy gives you the peace of mind that one bad day won’t define your company’s future. It keeps your focus where it should be: building a safer, stronger, more profitable tree service.

If you have any questions about umbrella coverage, reach out to an ArboRisk team member today for a FREE Insurance Coverage Review.

Preventing Fire and Theft Losses in Tree Care

by Katie Petersen | Dec 1, 2025 | Risk Management | 0 comments

Preventing Fire and Theft Losses in Tree Care

Written by Eric Petersen, CIC

At ArboRisk, we talk a lot about controlling your risk. In tree care, there are plenty of things outside your control, like weather, customer expectations, and daily surprises on the jobsite. But when it comes to preventing equipment fires and theft losses, you do have the power to dramatically reduce your risk.

Well-maintained, secure equipment doesn’t just prevent costly insurance claims. It keeps your crews safe, minimizes downtime, and strengthens your reputation for professionalism. Below are the core practices we encourage every tree care company to build into their routine.

1. Clean and Inspect Equipment Regularly

A clean machine is a safe machine. Sawdust, chips, grease, and fuel residue build up fast, and all of it becomes fuel when heat or sparks enter the equation. Regular cleaning also exposes developing issues before they turn into failures.

ArboRisk Tip: Build equipment cleaning into your daily shutdown routine. A few minutes spent blowing out a chipper or wiping down a saw can prevent hours of downtime or worse; a total fire loss.

Key actions:

Clean saws, chippers, and grinders after every shift
Remove debris from engine compartments
Conduct quick visual inspections daily, with documented inspections weekly
Train crew leaders on what “not quite right” looks like

2. Replace Worn or Damaged Components Promptly

“Run it until it breaks” is not a profitable strategy. Worn parts create heat, cause breakdowns, and can spark fires; especially in high-load, high-friction operations like chipping and griding.

ArboRisk Tip: Empower your team to tag equipment out of service when they find damage. A culture where people feel safe speaking up leads to fewer losses.

Replace immediately if you see:

Frayed or cracked hoses
Leaking fuel or hydraulic systems
Worn bearings or belts
Exposed or damaged wiring
Loose, missing, or damaged fasteners

3. Follow Manufacturer Lubrication Recommendations

Lubrication isn’t a suggestion; it’s a risk-control tool. Proper lubrication reduces friction, prevents overheating, and extends the lifespan of your equipment.

ArboRisk Tip: Create lubrication schedules for each machine and post them where crews store the equipment. Consistency wins.

Best practices:

Use the exact lubricants specified by the manufacturer
Maintain a lubrication log
Train crews on proper lubrication points and intervals
Tag machines when lubrication is overdue

4. Keep Fire Extinguishers Accessible and Maintained

Even with strong prevention practices, things happen. A functioning fire extinguisher can turn a potential claim into only a minor incident if your crews can access it quickly and know how to use it.

ArboRisk Tip: Perform a quick “extinguisher check” every Monday morning. Make it a habit, and you’ll never have an empty or expired unit when it matters.

Ensure that:

Every truck and major piece of equipment has a properly rated extinguisher
Extinguishers are inspected monthly and serviced annually
Crews practice using expired extinguishers so they’re comfortable under pressure

5. Store Tools and Equipment Securely

Theft is one of the fastest growing sources of equipment losses in tree care, often happening at night or when tools are left on an unsecured jobsite.

ArboRisk Tip: Assume that if it’s not locked, it’s not safe. Thieves look for easy opportunities, so don’t give them one.

Reduce theft risk by:

Locking trailers, job boxes, and equipment whenever not in use
Securing your yard with good lighting, cameras, and fencing
Parking high-value equipment inside or behind locked gates
Storing all keys in a secure, centralized location
Avoiding leaving equipment onsite overnight

Every dollar you invest in equipment maintenance and security pays you back in fewer breakdowns, fewer claims, and fewer scheduling disruptions. More importantly, it helps support the safety culture that you’re already trying to improve upon.

For more help with equipment safety ideas, reach out to an ArboRisk team member today or sign up for our Thrive Safety Risk Management Package today.

Show Up As A Leader

by Katie Petersen | Sep 2, 2025 | Employee Management | 0 comments

Show up as a leader

Written by Eric Petersen, CIC

Every day, leaders walk into their workplace carrying something powerful, an energy that directly affects the people around them. Whether you’re leading a company, a department, or a crew on a job site, how you “show up” as a leader can either lift your team up or drag them down.

At a recent TCIA Winter Management Conference, Clint Swindall, leadership expert and author of Living for the Weekday and Engaged Leadership, often emphasizes the importance of attitude and intentional influence. Leaders don’t get the option of “not showing up.” Even when they don’t say a word, their mood, body language, and behavior send signals to the team. Those signals shape morale, motivation, and performance.

Your Attitude Sets the Tone

Swindall reminded the leaders in the audience that engagement begins with leadership. A leader’s mindset becomes a mirror that the team reflects. If you walk in frustrated, distracted, or negative, your team feels that energy and often mirrors it. On the other hand, showing up with focus, optimism, and presence gives your team permission to do the same.

Small Actions, Big Impact

It doesn’t take dramatic gestures to set the tone. Greeting your team, checking in with genuine interest, or expressing gratitude can change the course of someone’s entire day. Swindall’s SIMPLE guide to overcoming negativity (Self-Responsibility, Identify, Make a Plan, Practice Gratitude, Learn to Laugh, Encourage Others) is a useful reminder that positivity is a choice and leaders make that choice not just for themselves, but for their entire team.

Leadership is Contagious

Negativity spreads quickly, but so does positivity. When leaders demonstrate resilience, optimism, and encouragement, it creates a ripple effect. Team members begin to respond to challenges more constructively and support each other in the same way they see modeled from leadership.

Your Team Deserves Your Best “You”

One of Swindall’s core teachings is that leadership is not about titles, it’s about influence. Every interaction is an opportunity to influence someone’s experience. As a leader, you have the ability to make your team’s day harder or better simply by the way you show up.

Let’s face it, your team doesn’t remember what you say, they remember how you make them feel. Leadership is about showing up intentionally every day, recognizing that your mood sets the tone for productivity, collaboration, and culture.

From “Who” to “What” Improving Your Safety Culture

by Katie Petersen | Aug 29, 2025 | Safety | 0 comments

From “Who” to “What” Improving Your Safety Culture

Written by Eric Petersen, CIC

For most tree care owners, safety is always top of mind. Yet when something goes wrong, the first reaction is often to ask: “Who messed up?” While that question might give a quick answer, it doesn’t usually solve the real problem.

If your goal is to truly improve safety culture, the better question to ask is: “What failed?”

This simple shift, from focusing on the individual to focusing on the system can transform the way your team thinks about safety and risk.

The Problem with “Who Failed”

When the focus is on who, blame takes center stage. An employee gets singled out, morale drops, and everyone else learns one thing: keep your head down and don’t admit mistakes.

The result? Missed opportunities to learn and improve. Instead of uncovering the root causes of incidents, organizations patch over the problem and hope it doesn’t happen again.

Blame may feel like action, but it fixes nothing.

The Power of Asking “What Failed”

When you shift your thinking to ask what failed, you move the focus from punishment to problem-solving. You start asking questions like:

Was the equipment adequate for the task?
Did the team have the right training?
Were the expectations clear?
Were production pressures or time constraints influencing decisions?

This type of thinking opens the door to learning. It helps leaders see the bigger picture and identify systemic weaknesses that set people up for failure. When your team knows they won’t be blamed, they’re more likely to speak up about mistakes, near misses, or risky conditions. Shifting from blame to curiosity shows your crew you value solutions over punishment. Trust grows, and so does buy-in for safety.

So how can you start putting this into practice?

After the next incident happens in your company, avoid the knee-jerk question of who did it. Instead, lead with: “What contributed to this happening?”
Encourage open dialogue during tailgate safety meetings and debriefs. Make it clear the goal is learning, not blame.
Involve your crew in identifying solutions. They know the work better than anyone and often have the best ideas for improvement.
Celebrate when problems are solved at the system level, because every improvement makes your entire company safer.

At ArboRisk, we believe safety culture grows strongest when leaders stop blaming individuals and start improving systems. People will always make mistakes, that’s part of being human. The real question is whether your business is designed to learn from those mistakes or simply punish them.

Shifting from “Who failed?” to “What failed?” builds trust, strengthens your team, and creates a safer, more resilient company. If you are struggling improving your safety culture, reach out to an ArboRisk team member or get started with our Thrive Safety Package today!

The 4 Principles of Safety Differently

by Katie Petersen | Aug 29, 2025 | Safety | 0 comments

The 4 Principles of Safety Differently

Written by Eric Petersen, CIC

At a recent TCIA Winter Management conference, Tim Walsh gave an excellent presentation to challenge us to think differently about safety. He built his presentation off of ideas that Todd Conklin wrote about in his book Pre-Accident Investigations: An Introduction to Safety Differently. The main concept is that safety isn’t just about following rules, it’s about creating an environment where your team can succeed every day, even when things don’t go perfectly.

Instead of relying on blame or rigid compliance, Safety Differently challenges us to rethink how we approach risk and build safer, stronger companies. Here are the four key principles:

Error is Normal

Your crews are human. No matter how well-trained, they’re going to make mistakes. The goal shouldn’t be to eliminate errors, it should be to build systems and processes that anticipate them. When you expect mistakes and plan for them, you prevent small missteps from turning into big problems.

Don’t expect perfection. Build resilience into your operations.

Blame Fixes Nothing

Pointing fingers after an incident might feel like action, but it doesn’t solve the real issue. Blame shuts down learning and discourages open conversations about what actually happened. If your team fears punishment, they won’t share the insights you need to improve.

Replace blame with curiosity. Focus on fixing the system, not punishing the individual.

Learning is Vital

Every close call, every mishap, every “near miss” is an opportunity to learn. Your team knows where the risks really are, because they live it every day. If you create space to listen and learn from their experiences, you’ll uncover hidden dangers and find smarter, safer ways to work.

Your employees are the experts. Use their perspective to drive safety forward.

Context Drives Behavior

No one makes decisions in a vacuum. Production pressures, unclear expectations, limited resources, all of these factors influence behavior. If we only look at “what someone did wrong” without examining the conditions that led to that choice, we’ll miss the real opportunity to improve.

To change behavior, adjust the environment your team works in.

Safety Differently helps shift your mindset from control and compliance to trust and continuous improvement. It allows you to build a culture where your team feels supported, learns from mistakes, and contributes to lasting change.

If you are struggling to strengthen your safety culture within your company, reach out to an ArboRisk team member or get started with our Thrive Safety Package today!