What type of insurance coverage is an arborist required to have for personal injury?

An arborist is typically required to have liability insurance that covers personal injury up to a specified amount to protect against claims arising from injuries that may occur while performing their tree care services. The coverage requirement of $25,000 reflects a standard amount that ensures sufficient protection for potential claims. This figure balances the need for adequate coverage while also being manageable for small businesses or individual arborists.

Higher amounts, such as $50,000 or $100,000, while more comprehensive, may exceed what is generally mandated for basic operating requirements, which can lead to unnecessary costs for the arborist. On the other end of the spectrum, $10,000 may not provide enough coverage to address typical personal injury claims, which could result in significant financial risk. Therefore, $25,000 represents a practical and commonly accepted threshold for personal injury coverage for arborists, ensuring that they are adequately protected while also adhering to industry standards.