Know the business. Then the risk.
Insurance built from the operation outward.
The strongest program starts with how your organization works: where people operate, what contracts require, which assets matter most, and where a disruption would hurt.
Start a conversationExposures we examine
Details change the program.
- Falling limbs and trees damaging homes, vehicles, and power lines
- Climbing, aerial lift, and chainsaw injuries
- Chippers, stump grinders, bucket trucks, and cranes on the road and on site
- Customer, municipal, and utility contract insurance requirements
Commonly coordinated coverages
A coverage list is not a recommendation by itself. Limits, forms, exclusions, contracts, locations, and loss experience all matter.
What we look at
Where tree service & arborists programs get specific.
General liability written for tree work
Many standard liability forms limit tree removal, work above certain heights, or work near utility lines. For tree companies, the wording matters as much as the limit. We review how the policy treats height, crane use, removal versus trimming, and property damage to the customer’s home or neighbor’s property.
- Height, crane, and removal limitations
- Damage to property in your care, custody, or control
- Additional insured requirements for property managers and municipalities
Workers’ compensation for climbing crews
Tree work is one of the higher-rated classifications for workers’ comp. Payroll split between tree trimming, landscaping, and clerical work, along with how subcontracted climbers are documented, can affect cost at audit.
Equipment and vehicles
Chippers, stump grinders, bucket trucks, and cranes are expensive and frequently moved. Inland marine (equipment) coverage and a commercial auto policy that schedules vehicles and trailers correctly help protect the gear the business depends on.
Contracts and certificates
Utilities, municipalities, HOAs, and property managers often require specific limits, additional insured status, and waivers of subrogation before work starts. We help line up those requirements with your program and issue certificates when contracts call for them.
Questions we hear
Frequently asked questions
What insurance does a tree service company need?
Most tree companies review general liability, workers’ compensation, commercial auto, inland marine for equipment, and umbrella coverage. The right mix depends on the work you do, your equipment, and your contracts.
Why is tree service insurance harder to place?
Tree removal involves heights, heavy equipment, and severe property damage potential, so many insurers limit or decline it. A broker can approach insurers with an appetite for the class.
Does my policy cover a tree falling on a customer’s house?
It depends on the policy wording, including exclusions for property in your care or certain removal work. Review the forms with your broker.
A better submission
Give underwriters a clear view of the risk.
We organize the operational story, current coverage, loss information, schedules, and relevant controls before approaching appropriate markets. That helps the conversation focus on underwriting fit—not missing information.
Coverage availability, terms, conditions, exclusions, and pricing vary by insurer and underwriting. This information is general and is not a representation of coverage under any specific policy.