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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
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
Not all those who wander are lost.
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