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The majority of individuals who make a living out of tree service are self-employed. And so, getting an insurance policy isn’t a priority for most. However, tree workers need insurance as much as other professions out there.
In this guide, we won’t just explain what tree service insurance is. We’ll also explain the different kinds of tree service insurance, and the best companies offering the best coverage.
It pertains to a broad range of tailored insurance products for arborists, tree cutters, tree surgeons, and more. Small business insurance for tree service can cover the cost of lawsuits and compensate clients. Furthermore, it can pay for the cost of workplace injuries and equipment repairs .
Tree Service Liability Insurance
It pertains to general liability insurance for tree service workers. It takes care of costs in case you caused property damage or bodily injuries to third parties.
The policy provides a $1 million limit, which the policyholder can use to pay legal fees and settlement to the aggrieved client.
Workers can get injured while working. The most common injury, by the way, are cuts and scrapes. Cuts and scrapes can result in temporary impairment. The average workers compensation for cuts and scrapes is $23,768.
This policy can cover the employees:
The United States doesn’t have laws that demand what kind of tree service business insurance should be purchased before one can work with clients. Nonetheless, most clients demand that there must be a $1 million general liability insurance to cover them.
Aside from general liability, some clients might also require a surety bond. Commonly, tree services need to get $100,000 in surety bond to satisfy the terms of a contract. Furthermore, in case there are one or more employees, workers comp insurance is also required.
It is a tailored coverage for arborists. It offers liability insurance, commercial property insurance, and commercial auto insurance.
Arborist general liability insurance takes care of cuts, lacerations, contusions, concussions, and other kinds of bodily injuries to the client.
The average cost of arborist insurance is $32 monthly or $384 annually for a $1 million general liability insurance. Physical injury claims settlement starts at $10,000. However, if the injuries are severe, settlement can easily scale up to more than $1 million. Property damage isn’t different. Broken windows or roofing’s might require a settlement of $50,000.
It compensates for the lawsuit and the amount of money the client wants as compensation for all economic and financial loss incurred. In practice, the most common scenarios where professional indemnity provides coverage are:
A tree cutting service insurance having a $1 million general liability policy cost $43 a month or $516 a year.
Tree Removal Insurance Coverage
It covers the needs of people in the tree service industry specializing in the transfer and removal of trees. A tree removal insurance cost is $27.83 monthly or $334 annualy for a $1 million general liability coverage.Tree removal company insurance usually includes the following policies:
Tree removal general liability insurance starts with a $2 million policy limit and comes with products and completed operations as an additional option.
Professional liability, on the other hand, has a $1 million limit. Equipment breakdown covers the cost of repair or replacement cost of the chainsaw and other equipment and has a policy limit of $1 million.
The average tree trimming insurance cost is $48 monthly or $576 annually. Their coverage consists of:
General liability insurance for tree trimming service– takes care of property damage or personal injury lawsuits.it provides $1 million basic coverage for attorney fees and other legal costs.
professional liability policy – In case the client filed a claim because the tree was trimmed wrongfully and got sick, professional liability policy in tree pruning insurance can help reimburse the client for their losses. If the matter is taken to court, then this will also cover legal fees.
Tree cutter insurance is a tailored policy for those involved in logging. The policy offers general liability insurance having a $1 million policy limit, which can be added with products and completed operations coverage.
In this section, let’s take a look at tree service insurance rates.
| Insurance Type | Annual Cost | Monthly Cost |
| Basic Commercial Property Insurance | $400 | $33.33 |
| Commercial Auto Insurance | $600 | $50.00 |
| Business Owners Policy | $780 | $65.00 |
| Professional Liability Insurance | $240 | $20.00 |
| General Liability Insurance ($1 million) | $309.96 | $25.83 |
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Tree service insurance cost depends on location, number of employees, cost of equipment, and how risky the services provided are.
For further reference, here’s a table showing the pricing of the carriers offering the best insurance for tree service:
| Monthly Rates | Annual Rates | ||
| CoverWallet | $39 | $468 | |
| Thimble | $45 | $540 | |
| Next | $52 | $624 | |
| Arbormax | $57 | $684 | |
| Allstate | $62 | $744 |
Best tree Service Companies
CoverWallet doesn’t offer specialized tree service insurance. However, it offers a platform that allows you to get tree service insurance quotes from different carriers.
Average cost: $39
Annual Rate;$468
Our rating: 10/10
Thimble’s tree service insurance product only includes general liability insurance. But still, this is okay as the company allows you to get coverage for only hours, days, or weeks.
Average cost: $45 Monthly
Annual Rate:$540
Our rating: 10/10
Next gives general liability and commercial auto coverage. They are tree removal service insurance policies that are absolutely important when you’re just starting. In addition, there’s also property damage coverage having business interruption coverage as an additional option.
Average cost: $52 Monthly
Annual Rate:$624
Our rating : 8/10
It is one of the best tree trimming insurance carriers offering tree service insurance endorsed by the Tree Care Industry Association.
Arbormax’s tree service insurance is great as it provides comprehensive coverage to tree service companies. Though not cheap, this company is worth the try because it offers a complete commercial tree insurance coverage having:
Average cost: $57 Monthly
Annual Rate:$684
Our rating: 7/10
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Average cost: $62 Monthly
Annual Rate:$744
Our rating : 6/10
USAA only offers tree removal insurance for homeowners and not for individuals working in the tree removal industry. This insurance provides coverage when a tree falls on the policy holder’s house.
Average cost: $47
Our rating: 7/10
State Farm has tree removal insurance, which is part of its homeowner’s insurance policy. It will pay for the service of arborists and other similar professionals.
Average cost: $55
Our rating: 6/10
Do you have U.S. insurance expertise/experience? Would you like to become a voice at Insuranks, help businesses and individuals, and showcase your authority online? Write us!
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