Tree trimming can win you bigger bids, but only if your insurance keeps up. This quick guide tells you exactly what policy you need, what each additional coverage does, and how to be ready for any job that comes your way.
Quick Note: Certain types of removals and stump work may not be included in current coverages. We’re working to expand coverage, so keep an eye out for updates. Until then, make sure to check your policy before starting riskier work.
What Is Tree Service Insurance and What’s Covered?
Tree service insurance is an add-on to your general liability policy that expands coverage for third-party claims tied specifically to tree work.
That means pruning, cutting, and shaping shrubs and trees up to 30 feet in height are covered, along with the use of dust or chemicals for tree trimming. However, all dust and chemicals must be compliant with local laws.
Note: Coverage excludes stump grinding, removals, arborist work, and tree trimming within 15ft of power lines.
Covered (Up to 30 ft.)
- Pruning
- Cutting
- Shaping
- Use of dust or chemicals compliant with local laws
Not Covered
- Removals
- Stump grinding
- Arborist work
- Trimming within 15 ft. of power lines
Does My Tree Service Business Need Insurance?
Put simply: Yes. Whether you’re a seasoned pro or just starting your tree business, insurance is a must-have to keep your company protected. A single accident could cost thousands, and without the right coverage, you could be left footing the bill.
Some homeowners, property managers, and HOAs may require proof of insurance before hiring you, and having your COI ready is a great way to earn their trust and their business. Tree service insurance also gives you peace of mind that if the unexpected happens, your entire season isn’t put on hold.
Take a quick look at your services and make note of any of the following that apply:
- Pruning, cutting, and shaping shrubs and trees
- Work 30 ft. or under
- No removals
- No stump grinding
- Not working within 15 ft. of power lines
If you said yes to all five, tree service insurance covers the scope of your trimming work.
What Kinds of Claims Do Tree Trimmers Face?
Every claim is different, but these are a few common scenarios we see when tree work is part of the job.
| Claim Scenario | Coverage That May Respond | What This Can Look Like |
|---|---|---|
|
A limb falls the wrong way and damages the homeowner’s roof. |
General liability |
Property damage claim from the homeowner or neighbor. |
|
A cut limb takes out a power line, and you’re blamed for the damage. |
General liability |
Property damage + potential third-party claims. |
|
Your chainsaw is stolen from your trailer between jobs. |
Equipment and tools |
Theft claim for tools and equipment. |
|
A lift/chipper gets damaged during transport. |
Equipment and tools |
Repair or replacement costs. |
What Types of Tree Service Insurance Coverage Do I Need?
Tree work is more than just trimming branches. You’re also traveling to jobs, loading and unloading equipment, and processing customer payments — and each of those steps comes with extra risk.
Your base general liability policy for landscapers protects you against third-party injury and property damage claims, but optional add-ons cover more specific risks.
Here’s a breakdown of the coverages most landscapers and tree trimmers need:
| Coverage Type | What It Covers | When You Need It |
|---|---|---|
|
Employee injuries, medical bills, and lost wages |
If you have employees (required in most states) |
|
|
Theft or damage to mobile tools and machinery |
If you haul gear to job sites or store tools in trucks or trailers |
|
|
Collisions, damage, and injuries involving work vehicles |
If you use trucks, dump trailers, or chipper haulers for business |
|
|
Data breaches, ransomware, and recovery costs |
If you store sensitive data or process payments digitally |
|
|
Extends liability coverage to a third party |
If a contractor or property manager requires it in a contract |
|
|
Mistakes in risk assessments or service recommendations |
If you offer inspections or professional evaluations |
|
|
Pressure Washing Insurance |
Damage caused by pressure washing services |
If you pressure wash homes, driveways, patios, or fences |
|
Pool and Pond Maintenance |
Damage tied to pool cleaning, treatments, and basic equipment repair and maintenance |
If you clean, treat, or service pools and ponds |
|
Third-party claims related to residential snow and ice removal |
If you offer snow and ice removal services for single-family homes, driveways, and small multi-family complexes |
Get a quote in minutes to determine your exact price and coverage options.
How Much Does Insurance for Tree Services Cost​?
Insurance for tree services costs $33.75 per month to start, or you can save up to 12% by paying annually. It’s a small price to pay compared to the thousands of dollars you could face in repair bills, medical claims, or legal fees if an accident happens.
Your final cost depends on the size of your business, the number of employees, and the types of services you offer. View our landscaping pricing guide for a closer look at what affects your total cost.
How to Get Tree Service Insurance
Getting insured is easier than you think, and many businesses can get covered online in minutes. Just follow these simple steps:
- Start your quote online
- Provide details about your business
- Choose coverage and optional add-ons
- Submit your information
Next, the provider calculates your risk and offers a policy to match your unique business needs.
Coverage That Checks All the Boxes
Tree trimming is tough work, and choosing the right coverage protects you when things go sideways. Use our downloadable checklist to see if your services qualify for coverage and what you need to stay bid-ready.
Start here and check ‘get covered’ off your to-do list!
Tree Service Insurance FAQs
Should I still get insurance if I’m a solo tree service operator?
Absolutely. Claims happen regardless of crew size. Whether you run a large team or work solo, the right coverage protects your business and your wallet. It also gives clients confidence that they’ve hired the right person for the job.
Does my insurance cover me when I’m climbing trees or working in a lift?
Not by default. Tree service insurance covers tree work up to 30 ft., but aerial lifts, rigging, and cranes are higher-risk methods. If your work involves climbing, bucket trucks, or rigging, reach out to our team of U.S.-based, licensed agents at 844.520.6993.
How fast can I get proof of insurance?
You can get your Certificate of Insurance (COI) immediately after purchasing a policy. It’s available in your online dashboard 24/7 for printing, emailing, or downloading whenever you need it for a client or contract.
Note: Before you send your COI, double-check the job’s insurance requirements, like the liability limits, whether an additional insured is needed, and any special wording the client requires.
What is the process for filing a tree service insurance claim?
You can file a claim directly from your dashboard. Just log in and fill out the claims form with details of the incident. Once submitted, a claims adjuster will contact you to review the claim and guide you through the next steps. Keep any documents, photos, police reports, or receipts handy in case the adjuster needs additional information.
Can you add a general contractor or city as an Additional Insured?
Yes — once your policy is active, you can log in to your dashboard and add contractors, property managers, and even cities as additional insureds. Make sure you review your policy or contact your agent if you have questions about adding cities or large contractors to your policy.
