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.

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.

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.

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.

Home / Landscaping Insurance / Tree Service Insurance

Tree Service Insurance

Name: Tree Service Insurance
Brand: Insurance Canopy
Rating: 4.8 (520 reviews)

Take your business to new heights with A-rated tree service insurance from Insurance Canopy.

AS LOW AS

^$33.75

Monthly

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 Gardening 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

Optional Add-ons

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.

Backed By

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.

Choosing the right insurance is critical.

You can’t afford gaps in your coverage that could put you out of business.

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.

Phone: 844.520.6993
Email: info@insurancecanopy.com