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Tree Service Insurance

Tree Trimming
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TechInsurance connects you with a licensed insurance agent who knows the tree service insurance industry. Get quotes from top insurance companies with our easy online application to find the right coverage options to match your unique risks.

6 insurance policies every tree company should consider

These small business insurance policies protect against the most common risks for tree service companies.

General liability insurance

General liability insurance icon

A general liability policy protects tree care professionals against legal fees from third-party property damage and injuries. It's often required for a commercial lease.

BEST FOR
  • Slip-and-fall injuries
  • Accidental damage to a client's property
  • Libel and other advertising injuries

Business owner's policy

Business owner’s policy icon

Small business owners and contractors are usually eligible for a business owner's policy, or BOP. It bundles general liability coverage and commercial property insurance at a discount.

BEST FOR
  • Client bodily injuries
  • Damaged customer property
  • Stolen or damaged business property

Workers' comp insurance

Workers’ compensation insurance icon

Most states require businesses with employees to carry workers' compensation insurance. Personal health insurance won’t cover work-related injuries, which makes this policy crucial for sole proprietors too.

BEST FOR
  • Work-related medical bills
  • Disability benefits
  • Lawsuits from workplace accidents

Commercial auto insurance

Commercial auto insurance icon

Vehicles owned by a tree service business must have a commercial auto policy to comply with state laws. It helps pay for financial losses in an accident, including medical expenses and property repairs.

BEST FOR
  • Injuries caused by your tree trimming vehicle
  • Property damage caused by your truck
  • Vehicle theft or vandalism

Contractor's tools and equipment

Contractor’s tools and equipment coverage icon

A type of inland marine insurance, this business equipment coverage protects tree service tools and equipment wherever you bring them. That includes items in transit, stored off-site, or used at a job site.

BEST FOR
  • Newer tools and equipment
  • Items valued at under $10,000
  • Tools that travel to clients' properties

Cyber insurance

Cyber liability insurance icon

This policy helps tree trimmers survive data breaches and cyberattacks. It pays for customer notification costs when credit card numbers or other personal information is exposed.

BEST FOR
  • Data breach investigations
  • Customer notification costs
  • Fraud monitoring services

Tree service insurance cost

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From our customer data, here's a quick look at average tree care business insurance costs:

General liability: $138 per month
Business owner's policy: $181 per month
Workers' compensation: $186 per month

Factors that can influence tree service business owners' premiums include:

  • Your tree maintenance services offered
  • Number of employees
  • Value of your tree trimming tools and equipment
  • Types of insurance purchased
  • Policy limits, deductibles, and additional insureds
  • Claims history
Verified small business insurance reviews

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Why tree removal businesses choose TechInsurance

Get insured quickly with TechInsurance

Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.

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Get insured quickly with TechInsurance
Get insurance fast so you can get started working with clients. Fill out our easy online application, choose a policy, and pay online to start coverage today.
Gain client confidence
Insurance shows clients your business is reliable, and some contracts even require it. View and print your certificate of insurance anytime with TechInsurance.
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Get answers to technical questions
TechInsurance has licensed insurance professionals who specialize in tree trimming business insurance in all 50 states. You’re assigned a dedicated account manager who’s ready to help.
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Common questions about tree service insurance

Take a look at answers to frequently asked questions (FAQs) about tree maintenance and removal insurance.

Are tree removal businesses required to be licensed and insured?

Most tree removal and service businesses need to be licensed, however the exact licensing requirements will vary by state. In most cases, you'll likely need a few key elements beyond licensure under your belt in order to operate. This could include education, industry experience, business registration, certifications, permits, bonds, and insurance.

There are two types of licenses you might be required to obtain: an arborist license and a contractor's license.

Additionally, the International Society of Arboriculture (ISA) and the Tree Care Industry Association (TCIA) provide accredited certifications, which might be a requirement for some contracts or municipalities.

Some examples of state license requirements are:

What other types of tree removal insurance coverage do I need?

For a comprehensive risk management plan, tree service professionals, LLCs, and independent contractors may need additional types of insurance, beyond general liability coverage and workers' compensation coverage.

Some additional tree service insurance policies to consider are:

  • Hired and non-owned auto insurance (HNOA): Tree service businesses who drive their own pickup or other vehicle to clients' properties should invest in this insurance, as your personal auto insurance won't cover business use. HNOA provides auto liability coverage for personal, leased, and rented vehicles used by your business.
  • Commercial property insurance: Homeowner's insurance provides little to no protection for business property, which is why you may need commercial property insurance. It protects against financial losses from fires, storms, and burglaries.
  • Inland marine insurance: Because commercial property insurance only covers items at your main business location, you'll likely need additional coverage for tools and equipment that travel to job sites. Contractor's tools and equipment insurance is one example of this coverage, which can protect your tree cutting business's chain saws, pole saws, stump grinders, and other tree maintenance equipment.
  • Commercial umbrella insurance: An umbrella policy boosts the protection of your general liability, commercial auto, and employer's liability insurance, activating when the limit is reached on the underlying policy.
  • Business interruption insurance: Also called business income insurance, this policy covers lost revenue and other expenses should a covered event, like a fire, temporarily close your business. It can usually be added to your commercial property policy.

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