Tree Service Insurance
Find out which tree trimmer insurance you need. Compare policies from leading national insurers. Get a quote in minutes.
Insuring over 1 million small business owners worldwide.
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Why Do I Need Tree Service Insurance Coverage?
Tree work means managing towering heights, sharp tools, and unpredictable elements. And even the most seasoned arborist can’t predict all the hazards. Having the right insurance coverage can protect you from costly accidents, so you can focus on growing your business.
What Tree Business Insurance Do I Need?
General Liability Insurance
A foundational tree service liability insurance to help handle costs from third-party accidents, property damage, and bodily injury.
Workers’ Comp Insurance
Coverage to help take care of employees who get sick or injured on the job. Most states require this for small businesses with full- or part-time employees. It also can benefit business owners who don’t have employees.
Inland Marine Insurance
Also known as Equipment and Business Property insurance, this coverage can financially protect equipment and inventory that is in transport or stored off-site from theft and damage.
What Does Tree Work Insurance Cover?
Pruning, tree removal, stump grinding, and storm cleanup — tree work is physically grueling and comes with many dangers. We can help you choose the right coverages to protect your business from some of the most common risks:
Damage to someone else’s property
You’re cutting down an old oak tree, and despite your careful planning, a large branch crashes on a neighbor’s fence. A general liability policy could help cover the cost of repairing the damage so you don’t have to pay out-of-pocket.
Care for sick or injured employees
While up in a harness trimming branches, a member of your crew loses their footing and injures their back in a fall. Workers’ compensation insurance can help cover medical bills and lost wages as the worker recovers.
This coverage is often legally required and protects your business from costly claims, while ensuring your team gets the care they need. Even if you work solo, workers’ comp is worth considering, since some health insurance policies don’t cover work-related injuries.
Damaged or stolen equipment
Your woodchipper, chainsaws, and climbing equipment are the backbone of your business. But what if they’re damaged or stolen on a job-site? Inland marine insurance can help you cover the cost of repairing or replacing your essential tools and get back in gear.
Business Insurance
A one-minute explanation
Learn more about policies for small businesses, what they cover, why you might need them, and how we can help – all in just 60 seconds.
Business insurance is often made up of different types of policies to cover different things, similar to how your health insurance can be made up of medical dental and vision coverage. Here are some of the ones small business owners may need. General liability is kind of the Swiss army knife of insurance, it can do a lot like help handle cost from third party accidents, property damage, bodily injury, and more. Nobody’s perfect right? That’s what professional liability is for. It could come in handy in the event of honest mistakes or claims of negligence. Workers’ comp can protect your business and help take care of employees who get sick or injured on the job. Small businesses are big targets for cyber criminals. Cyber Insurance can help cover costs associated with stolen customer data, cyber attacks, breaches, and fraud. BOP, or a business owners policy, combines different types of coverages like general liability and commercial property insurance. Putting them together for you is where we come in, you tell us a bit about your business online or on the phone, we customize the coverage options for what you do and what you need. It’s your business it should be your insurance as well, that’s why we’re here.
How Much Does Tree Service Insurance Cost?
Try our Tree Business Insurance Calculator
Get a quick estimate in just 3 steps.
Answers to More Tree Service Insurance Questions
Do I need tree trimmer insurance?
Most states require you to carry workers’ compensation insurance if you have employees. There also may be licensing requirements that require certain liability coverages. We recommend checking with your state and local governments for tree service insurance requirements.
What determines the cost of tree work insurance?
The cost for your insurance coverage is determined largely by the type of work you do, the types of risks you’re exposed to, the square footage of your office, and the number of employees you have.
Some other factors can include where your office is located, how many years of experience you have, and your annual revenue.
What should I consider before buying tree trimming insurance coverage?
If you’re thinking of buying tree work insurance, we recommend having the following information on hand when using our tree business insurance calculator:
- The state where you do business
- Your type of business or trade
- Your annual revenue estimates
This information can make it easier to get a quote from one of our insurers.
Why work with Simply Business?
Small business insurance is what we do. Whether it’s covering you for accidents and mistakes, meeting workers’ comp requirements, or protecting your shop and your tools and equipment, we can help find the coverage you need for your tree service business.
We provide customized coverage options and quotes from top-rated small business insurers — all in just 10 minutes. More than 1 million small business owners worldwide trust us with their insurance, and we consistently earn high customer ratings and reviews.
Feel confident about your choice
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More Helpful Information for Tree Service Businesses
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What is Liability Insurance?
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*Actual savings may vary based on the nature of your business, its location, and insurance provider appetite. Savings percentage is calculated using the average price difference of quotes from SB’s panel of insurance providers.