Disclose it. Underground utility strikes during grinding are a distinct exposure.
Tools and equipment or contractors equipment covers them. Chippers are high-value theft targets.
Severity. A dropped limb can total a vehicle, a roof or a person, and climbing injuries are catastrophic.
Yes. General liability covers it, and this is the highest-frequency severe claim in landscaping.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
