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. But in reality, tree workers need insurance as much as other professions out there that see employment.
The ultimate reason why you need insurance is that the tree service industry is very perilous. Many studies have explored how people working on trees can get injured, and, unfortunately, can die.
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 tree business insurance.
Let’s start things by discussing what arborist insurance is. Arborist insurance sometimes referred to as arborist business insurance, comprises numerous insurance policies that protect the well-being of arborists and their clients and provide for reimbursement or replacement costs for property damage, bodily injuries, vehicular damage. Such numerous insurance policies are:
General liability insurance
Commercial vehicle insurance
Property damage insurance
Worker’s compensation insurance
Professional indemnity insurance
General liability insurance protects your business made by clients or third parties by reason of bodily injury or property damage. This insurance applies when a claim is made after the following happens:
You spilled some harmful chemicals on the client’s property while doing some tree care work.
One of your equipment was faulty and caused the wiring of your client’s house to short circuit which led to a small fire and caused injuries not only to the client but to the family as well.
Typical general liability insurance provides a $1 million per occurrence limit and a $2 million aggregate limit. Moreover, it’s composed of premises liability and products liability policies.
By the way, don’t think that general liability insurance covers everything as exclusions apply to it. For example, a general liability coverage won’t provide coverage for malpractice, intended damage, vehicular damage, and pollution.
Another exclusion in general liability insurance is that it won’t provide coverage for damages arising from the failure to exercise due negligence as a professional. Mistakes or errors that arborists can make are the failure to use signages while working on trees beside a road or street, using the wrong treatment method to a tree, and failure to use equipment that prevents perilous situations from happening to the client’s welfare or property. And so, when a claim is made for damages out of professional mistakes or negligence, it’s best to use professional indemnity insurance so that the insurance company won’t think about approving your request to use your funds.
Using a vehicle is unavoidable when working as an arborist because there’s a lot of equipment to carry such as saddles, helmets, gloves, saws, harnesses, ladders, pulleys, and more. When you’re constantly driving, it’s not unlikely for you to get into an accident. And so, have commercial vehicle insurance prepared.
Commercial auto insurance will provide coverage when a vehicle gets into an accident while it’s being used for business purposes. With this insurance, you can take care of medical fees of injuries and the repair cost of the vehicle.
You might find yourself getting commercial vehicle insurance even if you don’t want to get it. It’s because most states in the United States require arborists to have a minimum commercial vehicle of $5,000 - $100,000 coverage per occurrence.
When you caused damage to something, it’s only right that you spend money to reverse or replace what was broken. A property damage insurance takes effect the moment you cause damage to your client’s house, lawn, tree, or any other property. And oh, not just to your client too, but this insurance will also help settle when you damage a neighbor’s property or when you get into a vehicular accident and end up destroying publicly owned structures. Minimum coverage is required for property damage insurance which is $5,000 - $25,000 per occurrence.
An equipment insurance policy will take effect the moment you need money to replace stolen or damaged equipment. Having this insurance as a contingency plan is great considering that the cost for tree working equipment scales yearly. Talk with your insurance carrier to know how much the limit of your equipment insurance policy is.
Insurance for a tree removal business is what you need to get if you specialize in removing trees for clients. A tree removal insurance comprises general liability insurance, pruning insurance, heavy equipment insurance, and professional liability insurance. We’ve already discussed what professional liability insurance is, and so we’ll only talk about the previous three in this section.
Just like arborist insurance, tree removal general liability insurance has a per-occurrence limit of $1 million. A tree removal general liability insurance applies when:
A tree is being taken down and falls toward the direction of the client’s property
Heavy equipment such as chainsaw or tree clamps causes an accident and injures a client
Aside from general liability insurance, avail of professional liability insurance as it will cover the cost if your client files a claim for a messy and unsatisfying tree removal service.
A tree pruning insurance is an additional policy to tree removal company insurance. An example of a situation where it applies is when you’re cutting some branches of your client’s tree and fail to realize that his or her curious son is watching below. As a result, the branches fall on the child and cause injuries.
You only need to avail of this insurance if you’re using heavy pieces of machinery such as bulldozers, skid steers, bulldozers, and excavators. This insurance helps by covering for the labor and repair or replacement cost of damaged parts.
How about tree removal insurance for homeowners? If you’re a client and not an arborist, know that your tree removal insurance is already part of your homeowner insurance policy. This means that you can use your homeowner's insurance to pay for the services of arborists.
Trimming makes trees attractive and manageable. It improves the form of the foliage and prevents the trees from growing too large, which is helpful to prevent damage when a heavy storm or rain settles in.
Get tree trimming insurance a.k.a. tree lopping insurance if you trim trees. You will find this insurance very helpful if you’re trimming large trees close to a residential property.
Tree trimming insurance coverage includes general liability insurance, commercial auto liability insurance, and product liability insurance. Therefore, it’s comprehensive and it’s not bad to invest money for it.
Having insurance for tree trimming service ready and waiting will make it possible for you to save money and keep your tree removal business afloat during dire times as it provides $2 million coverage for as low as $29 - $45 monthly rates on average. If you want more coverage for accidents related to tree felling and tree care, we suggest getting professional indemnity and equipment insurance for tree trimmers.
Do you specialize in cutting trees? Then don’t miss out on tree cutter’s insurance. Insurance for tree cutters offers coverage when a tree falls down on you or someone and a chainsaw or other similar equipment gets broken.
Insurance for tree cutting is already included in an insurance policy for tree service. Still, some carriers offer it as a stand-alone insurance policy. For you to be sure about things, we suggest talking with online insurance agents to get a thorough idea of how your desired insurance policy works.
Many insurance policies can be bundled together to form your tree service business insurance. Most carriers will let you pick which ones you absolutely need. Still, it’s best if you get the specific policies that are required by law for useful and effective tree insurance coverage.
The buying phase isn’t what’s difficult in getting tree service insurance. Instead, it’s how you comply with the requirements the carrier imposes to get your application process. Of course, of all the requirements, the easiest one you can get is the application form. Click here to get a sample.
Insurance companies also need to ascertain that you’re running a legitimate tree service company. And to do this, they will ask for your business permit, employee monthly and annual payroll, commercial vehicle registration, and other pertinent documents. With that said, prepare a scanned copy even if you think you don’t have to do so. It’s better to have things prepared than look when you want to use them.
In addition, you’ll also need to provide your license if you’re getting insurance as an arborist, tree surgeon, or other licensed professional working in the tree service industry. Most of the time, carriers ask for this when you’re opting to get professional liability insurance as an additional option to your tree service insurance.
Most carriers now allow customers to send their requirements online. And so, there’s no need for you to go outside and hand out printed copies of the documents required. Just ask for the company email, send your documents there, wait for your application to be approved, get further details of your insurance policy, and you’re good to go.
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Tree service businesses decide to get general liability insurance as soon as they start. It's because this insurance provides coverage to clients and employees for bodily injuries and property damage which commonly happens when:
Public liability insurance covers you if ever a branch falls on a passerby while pruning a tree, a tree slams on a car when you’ve failed to lead it to the intended direction after cutting, or when a public disturbance claim is filed against your noisy equipment. Claims from third parties aren't covered by general liability insurance and so decide to endorse public liability insurance if the carrier allows it.
Tree service worker's compensation insurance is another policy that you should absolutely get aside from insurance for tree service companies since it will help to pay for costs when employees sustain damages while working. How much is the likelihood of employee injuries happening while working anyway?
Using data online, we found that there are 1,295 employee deaths while providing tree service. Another set of data shows that the most common reason for deaths is falls, electrocution, and getting struck by an object while working.
With worker’s comp for tree service, you can actively attend to the needs of your employees as there’s no reason to hesitate to shoulder their hospitalization because you have the funds ready. Therefore, this doesn’t only save money but will also save you from lawsuits arising from the refusal or avoidance to pay for healthcare when employees sustain damage while working. Workers comp is usually an additional option of tree company insurance and has a limit from $22,545 up to $647,370.
A tree service liability insurance costs $400 - $1,500 a year, provided that it only offers general liability insurance. If availed is a comprehensive insurance package, tree company insurance cost is $348- $540 a year.
Commercial auto insurance cost for tree service is $1,700 - $1,800, provided that you have a clean driving record and your carrier doesn’t put hidden charges.
If you opt to cover your equipment as well as your clients, there will be an additional $14 dollar to tree business insurance cost. How about if you want to extend the coverage of your tree service insurance by getting excess liability or umbrella insurance? In this case, expect an additional $12.5 - $25 to tree service business insurance cost.
All in all, the average cost of tree service insurance is $3,000 - $6,000. Pricing depends on factors like the service you provide, the number of employees, what kind of trees you work on, and many more.
Expect your tree service company to pay $28 - $53 per $100 of wages for worker’s comp. The table below shows how much you’ll pay annually for premiums based on the number of employees.
|Number of Employees||Aggregate Annual Salary||Annual Cost for Worker's Comp Insurance|
|3||$100,800||$28,224 - $54,432|
|6||$201,600||$56,448 - $108,864|
|9||$302,400||$84,672 - $160,272|
|12||$403,200||$112,896 - $213,696|
|15||$504,000||$141,232 - 267,332|
Tree Trimming Insurance Cost
The average monthly rate for tree trimming insurance is $48 - $90 based on what types of trees you frequently work on, your location, your age, and how much you charge clients for tree trimming services.
If you want to get the best tree trimming and tree service insurance quotes, we suggest you compare tree company insurance costs using our quote comparison tool. All that you have to do is click on the “Get Quotes'' button and fill-up the form. And when you’re done doing so, our system will generate cheap tree service insurance quotes for free, so that you can decide which carriers pick the smart way.
Arborist Insurance Cost
The average cost of arborist insurance with a $10 million amount payable is $5,500 on average. We know that $10 million coverage might be too much considering that you’re just starting. And so, there’s no problem if you get an arborist insurance policy providing $2 million coverage that costs $540 a month or $6,480 a year. By the way, take a look at various arborist insurance quotes by clicking the “Get Quotes” button on this page and filling the form.
Tree Cutting Insurance Cost
A tree cutting insurance having general liability, commercial auto, and property policies cost $104.5 a month or $1,254 a year. But what if you only want general liability and nothing else? If that’s the case, then the cost of tree cutting service insurance is cheaper, and you can get insured for as low as $17 a month.
Tree Removal Insurance Cost
A tree removal insurance cost $334 - $542 on average for a $1 million to $2 million general liability coverage limit. However, it will only tailor to the needs of small companies offering tree removal services. If you’re running a big tree removal company, expect for the cost to be $445 - $1,563 on average for general liability coverage with a $1 million amount payable.
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You never know what to expect when buying insurance policies. For example, many unlucky ones end up with carriers that take a long to approve a claim and even charge a fee for one simple proof of insurance. But still, there are lucky ones too who end up getting insured by tree trimming insurance companies who give a lot of care and support to customers by using a fair underwriting process, transparent premiums calculation, and fast claims processing. We want you to be one of this lucky few and that’s why we will show you the top carriers with the best arborist insurance and the best insurance for tree service.
Arbormax insurance is the only insurance company offering tree service insurance endorsed by the tree care industry association. We included this insurance company in our list not only because its reputation is good but also because a percentage of your payment to this insurance company is used as funds for tree service education and training.
ArborMax’s tree 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 insurance package having:
No boom or overload exclusions
Per project aggregate terms
Waiver of subrogation (GL, Auto, & WC)
Free additional insureds
Pesticide and herbicide applicator coverage
Commercial auto–broadening endorsement
Commercial general liability
Endorsed by TCIA
Funds tree care service R&D
Free additional insureds
No exclusions in tree care commercial auto-insurance
Needs businesses to meet hard to satisfy requirements that are mostly made for the convenience of large tree service companies
Our rating: 4/5
Best for: Tree service companies who can afford to spend $5,000 annual premium for liability insurance and 25,000 annual premium for worker’s comp insurance
With an AM Best rating of A+, All State didn’t fail to make it on our list of the best tree removal insurance companies. All State is the largest publicly traded casualty insurance provider in the United States. And so, we greatly doubt if it can’t meet your expectations.
All State offers tree removal insurance for tree service companies with its business protection policy. This business protection policy provides numerous coverage that a buyer can add or remove to fit his business type and model. For tree service companies offering tree removal service, excellent coverages to comprise All State business protection insurance are employee dishonesty coverage, computer fraud coverage, equipment breakdown coverage, property of premises coverage, and locksmith’s tools and equipment coverage.
Since there are a lot of policies that can be included or excluded, you can’t just proceed to get All State tree removal insurance without talking to an agent
Our rating: 5/5
Best for: Comprehensive insurance coverage
NEXT tree service insurance is great if you’re just starting with your business. This company offers a lot of options for you to save money on your insurance policy. For instance, you can bundle two or more policies together to get an exclusive 5% discount on your premiums.
NEXT’s tree service insurance gives general liability and commercial auto coverage, which are 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. Just like ArborMax, NEXT allows you to name additional insureds on your policy for free.
Additional insureds with no additional costs
Tree removal insurance at 5% discounted rates
Online insurance application and purchase
The coverage limit is only enough for the needs of starting tree service companies.
Our rating: 5/5
Best for: Small business insurance for tree service
State Farm doesn't have tree removal insurance - well not if you want to get it as a tree service worker. On the other hand, if you want to get it as a homeowner, then State Farm has tree removal insurance which is part of its homeowner’s insurance policy. State farm tree removal insurance for homeowners will pay for the service of arborists and other similar professionals.
Just like state farm USAA only offers tree removal insurance for homeowners and not for individuals working in the tree removal industry. USAA tree removal insurance provides coverage when a tree falls on the policy holder’s house. The amount payable is only enough to cover payments for removing one or two trees.
rA tee surgeon insurance applies to situations where the damage arises due to mistakes in recommending the right type of log to plant on a property, moving of dead or rotting trees, and rehabilitation of trees. Many arborists make the mistake of getting tree surgeon insurance only to find out that its terms don't apply to their work. As the name implies, tree surgeon insurance is specially made for the needs of tree surgeons. And so, don’t believe in agents saying that you can get tree surgeon insurance instead if a carrier doesn’t offer arboriculture insurance.
We can’t say for certain as the work involved in tree removal is vastly different in stump grinding. Avoid wasting money by getting insurance with terms that might not apply to your work. And so, instead of tree removal insurance, we suggest you get insurance for stump grinding because it provides coverage for work-related injuries and repair or replacement costs for your stump grinder. Try getting your stump grinding insurance from Thimble because it doesn’t have strict requirements and quickly processes your application.
Great question, and by the way, it’s great that you’re planning to get a tree removal insurance program because it will help you decide and get only the most useful insurance policies your tree removal company needs. Your tree removal insurance program should have general liability insurance, worker’s comp insurance, commercial auto insurance, and equipment breakdown insurance. As for professional liability and public liability, it’s okay if you don’t get these insurance policies so long as you strictly follow safety regulations while working.
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Policy Type: Business Insurance
Company name: Embroker Insurance
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Policy Type: Business Insurance
Company name: Next Insurance
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