Affordable insurance starts with an easy quote
Arborist and Tree Service Insurance is a heavy-duty liability portfolio tailored for the high-stakes world of tree removal, trimming, and health consulting. Because tree work is fundamentally different from standard landscaping—involving heights, heavy machinery, and gravity—this coverage specifically addresses the risks of falling timber, aerial lift operations, and professional advice regarding tree safety.
Tree care is consistently ranked as one of the most hazardous professions in the U.S. A single limb dropped on a client’s roof, or a climber falling from a bucket truck, can result in catastrophic financial loss. The OSHA website details the severe frequency of injuries in this sector, emphasizing that safety protocols alone cannot eliminate liability. Many standard “Landscaping” policies strictly limit work to 10 or 15 feet off the ground. If you are topping a 50-foot oak and cause damage, a standard policy may deny the claim completely, leaving your business exposed.
We design packages that cover the job site, your expensive equipment, and your professional advice.
Most direct quotes only cover the basics in the left column. We shop multiple carriers to secure the critical add-ons in the right column that actually protect your livelihood.
| Risk Area | Standard Landscaper GL | Arborist/Tree Package |
|---|---|---|
| Tree Removal (>15 ft) | ✖ Often Excluded | ✔ Covered |
| Chemical Application | ✖ Excluded (Pollution) | ✔ Covered |
| Consulting Errors (E&O) | ✖ Excluded | ✔ Covered |
| Equipment Theft (Chipper) | ✖ Excluded | ✔ Covered (Inland Marine) |
“How much does tree service insurance cost?” Premiums reflect the high risk. Costs are driven by payroll, the type of work (trimming vs. removal), and your equipment value.
Standard carriers often auto-decline “Tree Service” on their online forms. “Independent Means Multiple Choices.” We know which markets specialize in arboriculture.
Experience the confidence shared by the professionals we protect, and let us turn these options into a clear, comprehensive protection plan for you.
We’re here to help you explore your coverage options tailored to your needs.
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Have specific questions? Our independent agents are ready to assist you directly.
Our team has the skills, experience, and readiness to help our customers.
We value getting to know our customers and helping them make their insurance dreams a reality.
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