Insurance for tree trimming and removal companies.

General liability, workers’ comp, auto, and equipment coverage for tree trimming and removal crews, including the climbing, crane, and stump grinding work that many policies limit or leave out.

What tree service companies usually carry

General liability, $1M / $2M
Workers’ comp
Commercial auto
Chippers, grinders, and bucket trucks
Umbrella

Watch for these in a tree service policy

Climbing heightSome tree policies cap how high your crews may climb or cut. Know the number before you take on a big removal.
Crane removalsCrane work, with your own crane or a rented one, is often excluded or needs its own rating. The crane company’s policy may not protect you.
Line clearanceTrimming near power lines is its own class, and many tree policies exclude it. Utility line clearance contracts need their own rating.
Stump grindingA grinder can cut buried cable, irrigation, and gas lines. Some policies exclude damage to underground property unless it is bought back.
Storm work away from homeWorkers’ comp covers the states listed on your policy. Crews sent to another state for storm cleanup need other states coverage, or an injury there can fall outside it.

What HOAs, property managers, and cities ask tree service companies for

Additional insuredHOAs and cities ask to be named for work on their trees and rights-of-way.
Workers’ compProof of coverage, since an injured climber without it can become the property owner’s claim.
Auto liabilityA set minimum on the bucket trucks and chip trucks that come on site.
UmbrellaMunicipal and commercial contracts often require one.

Questions tree service companies ask

Straight answers.

The questions we hear most, answered plainly.

Why is tree service insurance hard to find?

Tree work combines height, heavy equipment, and falling weight, so many carriers stay out of it. The ones that write it look closely at your work, your equipment, and your safety record.

Is a tree that falls on a house during removal covered?

Usually. A tree dropped on a house, car, or fence is property damage, which general liability pays up to your limits, unless your policy excludes that kind of removal.