Tree Service Insurance
- Falling Limb Damage – Protection if a branch hits a house, car, or fence during ground-based tree services
- Meets Client Requirements – Ideal for non-aerial, ground-only tree care pros
- Protects Your Tree Service Equipment – Optional coverage for chainsaws, chippers, and trailers
4.7/5 on
Why Do Tree Service Businesses Need Insurance?
For those unexpected snips and slips, tree service businesses need insurance to safeguard against costly damages or injuries. With the right coverage, you can confidently focus on making outdoor spaces beautiful without worrying about financial pitfalls from unforeseen accidents.
If a falling branch damages a client’s roof
General liability coverage pays for the repairs.
If someone gets injured by a dropped tool
Look out below! 😩 General liability coverage takes care of accidents on the job.
If a client disputes your service quality
Lawsuits can be pricey; let us cover the defense costs.
If an expensive chainsaw is stolen
We’ll get it replaced in no time!
If a fire destroys your warehouse
Bad luck hits the best of us. We’ll handle the damages.
*Please note: Insurance Canopy’s coverage applies solely to tree trimming done from the ground.
Valley Custom Lawn Services for Insurance Canopy
How Much Does Tree Service Insurance Cost?
Tree service insurance with Insurance Canopy starts at just $31 per month. Our competitive coverage is tailored to your needs, and understanding the factors that influence your total premium costs can help you make the best choice for your protection.
Through our 100% online application, you can get a no-hassle quote based on your business needs in less than 5 minutes. It’s that easy!
Save when you choose annual!
Why juggle monthly payments when you can take care of it all at once? Save 12% by paying upfront for the year, and have peace of mind that your tree service insurance is all set.
What Does Tree Trimming Insurance Cover?
Our tree trimming insurance covers everything from ground-level accidents to equipment damage. This coverage even includes landscaping insurance, so you have protection for every kind of job.
Included
General Liability Coverage
Property damage and third-party bodily injury claims are the most common in the tree service industry. General liability insurance for tree service businesses cover all of these scenarios and more. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Add-Ons
Trailer & Equipment Coverage
Trailer and equipment coverage, often referred to as inland marine insurance, is here to keep your essential gear safe and sound. If your detached trailer gets stolen or if your tools get accidentally damaged, this coverage provides financial support for repair or replacement costs
Tree Service Surety Bonds
Surety bonds are essential for tree service businesses, as they protect your operations and build client confidence. This bond involves three main parties: the landscaping contractor (you!), the client, and the surety company, which guarantees your compliance with the contract terms.
While not always obligatory, many regions require surety bonds for legal tree service work. After obtaining your tree service insurance policy, you can conveniently purchase your bond via your customer dashboard.
Types of bonds we offer:
- Business Service Bonds
- License & Permit Bonds
- Contractor Bonds
- Custom Pesticide Applicator
Additional Insureds
An additional insureds refers to an individual or entity added to your policy for extended coverage in specific situations. Clients or organizations hiring tree service professionals often require this to shield themselves from potential liability if something goes wrong during the job.
For instance, when a property owner hires a tree service company to remove a hazardous tree, they may request to be added as an additional insured to ensure protection against property damage or injury. Similarly, a city might ask to be included when contracting tree services to trim branches near roads or public spaces, providing coverage in case the work leads to an accident or damage to municipal property. This arrangement protects the tree service provider and the client if any unexpected issues arise.
Cyber Liability Coverage
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your tree-trimming business, Cyber Liability coverage can help you with:
- Data Breach Notification Costs
- Customer Data Loss
- Ransomware and Cyber Extortion
- Legal Fees
- Business Interruption Fees
Workers Compensation Coverage
Workers compensation for tree service businesses provides the coverage your employees need if they’re hurt on the job. From chainsaw cuts and falling branches to muscle strains from hauling heavy limbs or slips on uneven ground, injuries can happen fast. Workers comp helps cover eligible medical bills and lost wages when they do.
Not only is it required in most states, but it also gives your crew the confidence to focus on the job, knowing you’ve got their back if something goes wrong.
Commercial Auto Coverage
For tree service businesses, reliable commercial auto insurance is key. Your trucks and trailers carry heavy tools, haul branches, and get your crew members between job sites. But one accident — a sudden stop, a distracted driver, or a load shift — can cause serious damage.
Commercial auto covers repairs, medical bills, and liability, keeping your business moving. Note: personal auto policies don’t cover accidents that occur while on the clock, so most states require proper commercial auto coverage.
Coverage Limits for Tree Service Business Insurance
Maximum Tree Service Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Optional Coverage Options
Tools & Equipment Coverage
Limits
Premium
Deductible
$5,000 Policy Year
$155
$500
$10,000 Policy Year
$258
$25,000 Policy Year
$670
Specific Questions? We’re on it.
Our licensed agents are available to answer any questions you may have!
(se habla español)
Why Tree Trimmers are Choosing Insurance Canopy
Because they realize that protecting their assets with us is a ‘mow-brainer’! Hundreds of small tree service businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your tree service business.
Tailored for Small Businesses Like You
We’re aware of the unique risks tree trimmers face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
100,000+ Small Businesses Trust Insurance Canopy
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Thank you so much
Steve Monreal
July 11, 2025I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Very easy to renew policy
Elyce Nissinoff
June 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025I'm a new customer/policy holder. Super easy online application and policy setup. Very competitive rates. Certificate of insurance generated and received (PDF) immediately once method of payment established. Great service... Read More
Matthew Terry
April 18, 2025For me, this application process was super efficient and easy to navigate on line. That goes a long way!
Holly Mulder
April 18, 2025 -
Affordable. Thank you.
Ana Young
April 18, 2025I have not had any issues over the years with Insurance Canopy, with canceling and renewing, I have found the cost of coverage in line or better then some. I have... Read More
John Corkins
March 18, 2025Canopy insurance has covered my DJ business for several years and I am totally satisfied with their services. Thank you DjVic🎧
DjVic Universal Sounds
March 18, 2025 -
I have them for 3 years this year seems price went up . I have never had to use them for a claim so really couldn’t tell you about that!
Denice Lapointe
February 18, 2025Great for Event Insurance - most affordable
Gaby Nobrega
February 18, 2025I was feeling overwhelmed with the specifications needed for my insurance coverage. I was offered friendly, quick and clear assistance. Through Canopy and Rey's help I was able to obtain... Read More
ESPIE QUINTERO
February 18, 2025 -
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025
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Thank you so much
Steve Monreal
July 11, 2025 -
Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025 -
I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025 -
Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025 -
What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025 -
Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025
Questions About Tree Service Insurance
Is my tree service insurance policy effective immediately?
Yes. As it should be!
With Insurance Canopy, your tree service insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment—allowing you to get back to work without skipping a beat.
Our insurance is designed for ground-based tree trimming operations only.
Can I cancel my tree service policy at any time?
You can cancel your tree service business insurance with Insurance Canopy anytime.
While your plan offers flexibility to cancel, please note there is no money-back guarantee on months you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a tree service claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- 🖥️ Log in to your dashboard
- 🧐 Find “Manage Policies”
- 📂 Click on “File a Claim” and share your info
Once you’re done, a trusty claims adjuster will swoop in to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly. In the meantime, if you have any questions or need assistance, please reach out.
Note: If you file a claim after canceling your insurance, you won’t be covered unless your policy is active when the incident occurs. Insurance only offers protection while your policy is active, so make sure you have continuous coverage to stay protected! Our support team is here to help any time. If you have any questions or need assistance, please reach out.
How do I renew my tree service insurance policy?
Insurance for tree trimmers doesn’t get easier than this. Our EZ-Renew feature automatically refreshes your policy annually, ensuring that your coverage won’t miss a beat. This removes the stress of a claim occurring while your policy isn’t active, which could leave you unprotected.
And don’t worry — we’ll email you a reminder before your policy refreshes, that way you always know when you’ll be billed. If you wish to opt out of EZ-Renew but still wish to continue your coverage, you only need to complete a new application when your policy is up. If your coverage needs to change, you can also adjust your policy by contacting our support team.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Nature Waits for No One—Nor Should Your Coverage.
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