Risk Averse Insurance is the premier insurance brokerage for Tree Care Companies in Pennsylvania, New Jersey, and Delaware. 

As an independent insurance brokerage, Risk Averse works with various insurance companies, which allows us to find the best coverage for our clients. And we have built a stable of carriers around the very specific needs of our tree care clients. 

Our team will not only provide you with the coverage needed in the event of a claim, but will also work with you on developing Loss Control strategies that will keep your team safe and your business running like the well-oiled machine that it is. 

Coverages Available

General Liability (GL)

GL provides coverage for a wide range of circumstances which result in property damage or bodily injury to others, and the legal costs associated. 

Workers Compensation

Workers Compensation provides medical payments and lost wages to your employees who are injured on the job. Even with the best loss control, accidents can happen, and you want to be sure your employees are taken care of. 

Auto Insurance

Cranes, Bucket Trucks, Chip Trucks, and Log Trucks. These heavies need specific insurance coverage because, if one goes out of commission, it could shut a whole team down. We want to get you operational as quickly as possible. 

Inland Marine

Spider Lifts, Skid Steers, Chainsaws, and Chippers aren’t cheap. Make sure they are correctly insured and scheduled on and inland marine policy.

Umbrella

Whether it’s required for that contract you are signing, or you are just being extra cautious in protecting your business as it grows, an umbrella policy provides additional limits of coverage to make sure your business is adequately protected in the event of a claim. 

Employment Practices Liability (EPLI)

Some employees, both current and former, may feel that they were unfairly treated as a result of the race, gender, religion, etc. It is a claim which is becoming much more common. If you are sued on this basis, an EPLI policy will provide coverage. 

Health Insurance

If you are providing health insurance for your employees, let our team of health specialists review your plan to see if there are any better options for you and your employees. 

Loss Control

You may not be able to prevent all claims because accidents happen. But there are a lot of steps that can be taken to avoid and mitigate the severity of the claims that do happen. From driver programs and safety committees, to hiring practices and return-to work programs, we will help you and your team be prepared in the event that a claim happens. 

Marc Millison, Construction & Risk Insurance Specialist (CRIS)

Marc has 20 years insurance in the commercial insurance industry working with large contractors, but found a passion working specifically with tree care companies. Marc prides himself on being a Workers Compensation expert and is CRIS certified, giving him expert-level knowledge of the insurance needs of your company.

Marc is also backed by a team with years of experience and which takes pride in having taken enhanced education in the insurance industry, which keeps the team sharp and highly knowledgeable. Everyone you work with at Risk Averse will have an advanced industry accreditation to ensure that you are receiving top-notch care.