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Tree Service Insurance

Tree trimming and pruning is a valued service to almost every home and business owner. As a professional tree trimmer, you know how hazardous dead, dying, or storm-damaged trees and branches can be. Providing quality service in a safe environment is a necessity for all of your customers. 

Tree trimming is listed amongst the most dangerous jobs, according to OSHA. Trees are considerably heavy—full-grown trees can weigh-in over 10 tons. Tree crews face great risk of injury from falling tree trunks and tree branches, with deaths reported from being crushed or asphyxiated. Tree crews face further risk if they’re trimming using heavy equipment or near power lines.

Tree services are often called upon to:

  • Clear land for new construction
  • Grind or remove unsightly stumps
  • Clear trees/branches around railroad tracks
  • Clear fallen trees due to storms
  • Arborists who trim trees and bushes around power lines or street signs
  • Remove potential hazards to a residences/commercial property

What Are the Risks For Tree Trimmers?

Whether you are just starting out or you have an established business that needs to re-evaluate its existing coverage, here are some of the risks related to tree removal and stump grinding services.

  • Damage to other people's property
  • Injury to others caused by equipment malfunction or negligence 
  • Damage, loss, or theft of vehicles, equipment or tools
  • Job-related injury or illness experienced by you or your employees 
  • Errors and omissions exposure: tree care consulting or advice that leads to a loss
  • Accidents caused while driving your commercial vehicles by you/your employees
  • Electrical hazards from working near live fallen power line

As you assess your business risks and liabilities, be sure to consider the work to be performed, the tools your tree crews handle, and other aspects of the work that can result in injury, damage or loss.

Who Needs Commercial Tree-Trimming Insurance?

While there is no specific policy, if your business includes any of the following services, then you need some comprehensive coverage. 

  • Tree removal, tree trimming, and pruning
  • Municipal tree care 
  • Tree pest management 
  • Landscape gardening professionals

What Types Of Coverage Do You Need?

What insurance coverage do you need for your business insurance?

General Liability Insurance

Unfortunately, life is full of unseen and unplanned events. Having general liability insurance will protect your business from a variety of claims including bodily injury, personal injury, and property damage that can occur while you are on the job site

Professional Liability Insurance

If you provide consulting or tree care advice, errors and omissions insurance covers you against liability claims due to poor advice, negligence, or recommended services that result in a client's loss.

Business property insurance 

The amount of coverage needed depends on if you have a mobile business or own property or a building that you operate your business out of. 

Consider a Business Owners Policy (BOP)

If you want to purchase general liability insurance and have commercial property, it is typically more affordable to consider combining the two coverages into a BOP. Broadly speaking, BOPs combine:

  • Property insurance for company-owned building and contents 
  • Business interruption insurance covers loss of income due to a catastrophic event
  • Liability protection covers your company's legal responsibility for harm to others resulting from things that you/our employees do or fail to do in your business operations

Inland marine insurance

This policy protects equipment and cargo transported from job site to job site in your commercial or personal vehicle. Tools used for business are typically not covered under your personal auto policy. 

Commercial Vehicle Insurance

Commercial auto insurance will provide coverage specific to your commercial vehicles and provide protection for you and your drivers. 

Business Interruption Insurance/Loss Of Income Insurance

If your business has been forced to shut down due to catastrophic events, i.e. gas line explosion, tornado/hurricane devastation, etc., this policy covers ongoing operational costs and employee pay at a temporary location.

Workers’ Compensation Insurance

If you have employees, you may be required to add workers’ comp insurance (it’s required in all states but Texas). In some states, you only need to carry this coverage if you have three or more full-time employees. In other states, you need to carry a basic policy regardless of the number of employees. This coverage will cover lost wages and medical expenses if your employee is injured on the job. Workers’ Comp also offers protection to you against being sued for the injury.

Licenses to Consider

You should consider accrediting your tree service business with The Tree Care Industry Association (TCIA) and/or become credentialed with the International Society of Arboriculture. Some states—such as California—require a tree service contractor’s license. Be sure you’re up-to-date on your state’s requirements to operate as a tree-trimmer or arborist. 

How Much Does Tree Trimming Insurance Cost?

Insurance for tree trimmers varies depending on the level of services offered. Other factors that are taken into consideration include:

  • Revenue of the business
  • Number of employees
  • Location of your business
  • Equipment and tools

Some insurance companies offer comprehensive policies as low as $29 a month with an average of $45 per month.

Tree Service Insurance: Get a Free Quote Today!

Your business is important because you have the essential task of keeping communities safe from potential personal and property damage. Let us relieve some of your pressure by helping keep your business assets protected with an insurance policy that works for you. To get a competitive business insurance quote it is fast and easy, enter your zip code and click “Get Quote.” One of our specialists will contact you soon.

Tree Trimming Insurance Quotes Include

  Additional Insured Included:   YES
  Free Certificates:   YES
  Payment Options:   YES     (Pay in Full OR Payment Plans)
  Low Down Payments:   YES     (Flexible Payment Options)
  Coverage Limit Minimum:   $2,000,000 / $2,000,000 / $1,000,000
5 STAR. Matched our company with the perfect insurance company! Customer Service OUTSTANDING!
Kim Reisch
Affordable Towing
This insurance purchase for my business was the most seamless phone encounter I have ever had in any phone purchase process bar none. Information was requested once and moved smoothly from one person to the next as we moved thru the purchase. Each person I dealt with was friendly, professional, and focused on determining my needs and the best way to match me up with the solution. Absolutely stellar!!!
Edward Green
Very knowledgable. Efficient service. A willingness to work "outside the box".
Patch Hickok