General Liability Insurance
Covers property damage from falling limbs and injury claims tied to removal and trimming work.
How it worksRetail & Services
Insurance for Tree Service & Arborists
Protection built for the heights, chainsaws, and heavy limbs that define the work.
One application, shopped to our A-rated carrier network. Number of offers depends on carrier appetite for your class, state, and loss history.
What underwriters look at
Tree removal and trimming combine several serious hazards at once: climbing or working from a bucket truck at height, operating chainsaws and chippers, and managing the fall path of heavy limbs and trunk sections near homes, power lines, and vehicles. A single miscalculated cut can send a limb through a roof, a fence, or a parked car in seconds.
Crews also work close to overhead power lines on a regular basis, which introduces electrocution risk on top of the standard hazards of chainsaw use and falling debris. Wood chippers, another daily tool for many crews, are a well-known source of severe injury when safety procedures aren't followed precisely.
Because tree work often happens on residential property with landscaping, fencing, and structures nearby, property damage claims are common even among experienced crews. Equipment values also add up quickly, with bucket trucks, chippers, and stump grinders representing a substantial investment that needs protection against theft, breakdown, and transport damage.
Falling limb property damage
A miscalculated cut or unexpected wind can send a limb into a roof, fence, vehicle, or neighboring property.
Chainsaw and chipper injuries
Chainsaws and wood chippers are common causes of severe cuts and injuries when safety procedures aren't followed exactly.
Falls from height
Climbing or working from a bucket truck to reach upper limbs carries constant risk of a serious fall.
Contact with power lines
Trees growing near overhead lines create electrocution risk for crew members working in the canopy.
The coverage stack for tree service & arborists
Most owners in this class start here. A licensed agent will confirm what your contracts, state, and payroll actually require.
Workers' Compensation Insurance
Covers employee injuries from chainsaws, chippers, falls, and power line contact.
How it worksCommercial Auto Insurance
Protects bucket trucks and trailers hauling chippers, stump grinders, and equipment between jobs.
How it worksCommercial Property Insurance
Covers stored equipment, chippers, and shop space against theft and damage.
How it worksCommercial Umbrella Insurance
Adds liability limits for large removals near structures or power lines where damage potential is high.
How it worksWhat it typically costs
Tree service insurance costs are driven largely by payroll, equipment value, and the height and scale of typical removal jobs.
| Business size | Typical annual range |
|---|---|
Solo operator / small crew Typically covers residential trimming and small removal jobs with limited equipment. | $2,200 – $5,800 / yr |
3–8 employees Reflects payroll-driven workers' comp costs tied to chainsaw and fall-related injury risk. | $8,000 – $20,000 / yr |
8+ employees / bucket trucks and stump grinders Larger equipment fleets and commercial removal contracts typically drive higher liability and property premiums. | $22,000 – $60,000+ / yr |
Illustrative ranges only. Premium varies by state, carrier, limits, payroll, and loss history — it is not a quote.
What moves your premium
- Annual payroll and crew size
- Use of bucket trucks, chippers, and climbing equipment
- Claims history, particularly property damage claims
- Proximity of typical jobs to power lines and structures
- Residential versus commercial contract mix
- Safety training and certification programs
Tree Service & Arborists insurance questions
Ready to compare tree service & arborists quotes?
One application. Up to 10 competing quotes from A-rated carriers. A licensed agent presents your best options, usually within one business day.