Tree Service Insurance
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- Purchase 100% Online
- Falling Limb Damage Coverage
- Meets Client Insurance Requirements
- Protects Your Equipment
What Is Tree Service Insurance?
Tree service liability insurance expands your existing landscaping insurance policy to cover third-party claims related to tree work. If a cut tree limb falls on a customer’s car or a pedestrian trips over a pile of cut branches, you could be left paying out of pocket. Tree service insurance steps in to help pay some or even all of that cost.
This add-on covers pruning, cutting, and shaping shrubs and trees up to 30 feet. However, it excludes removals, stump grinding, arborist work, and tree trimming within 15ft of power lines.
How Much Does Insurance for Tree Service Businesses Cost?
You can add tree trimming insurance to your base policy for as low as $48 a month or $576 a year. That means you can protect your landscaping and tree services for a little over $80 a month — less than you pay for gas!
Note: Your final cost depends on the size of your business, gross income, and the number of employees you have.
What Insurance Do I Need for My Tree Service Business?
At the bare minimum, you need general liability and tree trimming insurance to protect your business from the most common claims. If your business accidentally causes somebody to get hurt or damages a client’s property, this coverage financially protects you.
From there, you can customize your policy to fit your unique business needs and risks. You add-on options include:
- Equipment and Tools Coverage: Covers movable business equipment, including pole saws, pruners, and trimmers
- Commercial Auto Coverage: Provides liability protection for work vehicles
- Workers’ Compensation Coverage: Helps pay an employee’s medical costs and lost wages if they’re injured on the job
Why Insurance Canopy Has the Best Tree Service Insurance
Fit Small Business ranks us as the most affordable choice for lawn care insurance. With robust policy limits, nationwide coverage, and instant proof of insurance, we’re your safeguard against costly landscaping claims that could devastate your business.
Maximum Tree Service Liability Insurance Limits
General Aggregate
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
Products & Completed Operations Aggregate
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.
$1,000,000
Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
Personal & Advertising Injury Limit
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 libel 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
$500,000
Damage to Rented Premises Limit
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
Equipment & Tools Coverage (Inland Marine)
Also known as “inland marine,” Equipment and Tools covers moveable property like trimmers and pole saws. Excludes any structures and items that are permanently fixed to a single location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Lawn Care Professional Liability
Also known as errors and omissions (E&O), this coverage protects you from financial losses resulting from mistakes or negligence in your services. This includes advice or consultation you offer to a customer that causes bodily or financial injury.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Snow and Ice Removal
Liability coverage for lawn care businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes. Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.
$217/mo. or $2,604/yr.
Pool and Pond Maintenance
Covers pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance also protects you from expensive claims if you or an employee accidentally damages a client’s pool or equipment during service.
$20/mo. or $240/yr.
Pressure Washing
Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must only use non-toxic, water-based chemicals and clean surfaces less than two stories tall.
$13/mo. or $156/yr.
Additional Insureds
Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $0.83 per month, or $10 per year per insured. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Workers Compensation
Provides financial compensation to employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation costs. It also covers your legal fees if an employee sues you over a workplace injury or illness.
Surety Bonds
Bonds protect your clients from financial loss if you are unable to complete a contract. They also ensure you meet all legal requirements necessary for jobs.
Cyber Liability
Protects your business from financial loss caused by phishing scams, ransomware, and other cyberattacks. If your company processes payments and stores client information digitally, cyber liability is an essential part of securing your business.
Commercial Auto Coverage
Lawn care professionals typically rely on a fleet of vehicles to transport landscaping equipment and crew members. If an employee gets into an accident on the way to a job site, commercial auto coverage can cover third-party injuries and damages. Additionally, it also covers vandalism and theft of your equipment.
Why Choose Insurance Canopy?
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
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They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 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, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I 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 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative 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, 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 -
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, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
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 -
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, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
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, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
Top-Quality Liability Insurance for Tree Service Businesses
When you’re climbing, cutting, and hauling, risk comes with the territory. Liability insurance protects your business from expensive claims if a job goes sideways. Purchase your policy today!
FAQs About Tree Service Business Insurance
Do I need workers’ comp if I use subcontractors or 1099s?
Yes, in most cases. Many states can still hold you responsible if you control the work. If you hire subcontractors, require them to have their own workers comp and liability — and add you as an Additional Insured on their policy.
Are crane or bucket-truck operations automatically covered?
Not always. Some policies exclude crane picks, aerial-lift work, or rigging unless specifically endorsed. Disclose these items during quoting so your policy reflects how you actually work. If you need this kind of coverage, reach out to our team of U.S.-based, licensed agents at 844.520.6993.
How fast can I get a COI and add Additional Insureds?
Once your policy is active, you can request a COI and add Additional Insureds immediately. Simply log in to your Insurance Canopy account to make changes and access your documents.
Does insurance cover my tools, chippers, and trailers on the job or in transit?
Equipment and Tools Insurance, also known as Inland Marine, covers your business-essential gear when it’s in storage or in transit (including detached trailers), subject to your policy limits and deductible.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
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