What insurance should a tree service company carry in BC?

For a tree service company operating in British Columbia, the essential insurance coverages are Commercial General Liability (CGL) and Workers' Compensation through WorkSafeBC. These policies protect against third-party claims for injury or property damage and cover employee injuries, respectively.

Practically, most BC municipalities and clients require a minimum of $2 million in Commercial General Liability (CGL) coverage, with Vancouver specifically mandating proof for tree removals. For higher-risk projects, such as commercial or utility work, $5 million or more in CGL or umbrella coverage is often necessary. Additionally, commercial auto insurance is crucial for all business vehicles, including those with specialized equipment like aerial lifts, and equipment