Insurance for
tree services
Protect your climbers, your trucks, and your gear. Casey covers removals, trimming, stump grinding, storm work, and plant health care — general liability, workers’ comp, auto, and equipment in one place, through specialty markets built for tree work. One conversation in plain English: we compare the whole market and bring back the best value for your risk.
Mostly mowing and landscaping? See landscaping insurance
What it is
What tree service insurance covers.
“Tree service insurance” isn’t one policy — it’s a stack of a few, built around how high and how heavy you actually work. Most tree operations carry these five lines.
You don’t need to know which ones you need. Tell us about your work and your broker builds the stack.
Who needs it
Every kind of tree operation — priced differently.
Residential removals & trimming
The broadest appetite in the trade — but the rate still turns on your real working height and rigging practice. We put both on the application so the quote survives underwriting.
Crane & bucket work
Owned, operated, or hired for the day — crane-assisted removals make some markets walk. We submit to carriers that rate crane work on its own terms, with the operator’s certs documented.
Storm & emergency response
Surge work after a storm is high-revenue and high-scrutiny. Make sure the policy contemplates emergency response before you take the call — not after the claim.
Stump grinding & land clearing
Ground-level work carries its own exposures — utility strikes, thrown debris, and equipment on unfamiliar terrain. Priced separately from climbing, which keeps the rate honest.
Arborists & plant health care
Consulting and contracting arborists both welcome. Spray and injection work is excluded on many forms — carriers that write PHC want your applicator licensing on file; we make sure it’s there.
Declined or non-renewed
One claim or one appetite change shouldn’t end your company. Hard-to-place tree risk is what our specialty and E&S markets quote every day — bring the loss runs and the story.
Something in between?
Most operations are a mix. Describe your actual work split in the form — that’s what your broker prices.
Insurance without the homework.
01
One conversation
Tell us what you do in plain English. We ask the right questions, tell you what coverage you need, and build the application for you.
02
Pay less for more
Our technology scans the market and finds the best value for your risk. Your broker then tailors the coverage — no gaps, nothing you don’t need.
03
White-glove service
Instant self-serve COIs. Around-the-clock support for everything else. No office hours, no waiting on a callback.
04
A broker who picks up
A licensed broker owns your account through every renewal. Call, and someone who knows your business answers.
Common questions
Tree service insurance, answered.
How much does tree service insurance cost?
It’s priced by working height, payroll, and work mix — a trimming-only ground operation pays a fraction of what a 70-foot removal crew with a crane pays. We quote your actual operation rather than a generic range, and it takes minutes to find out.
I was declined (or non-renewed). Can you still place me?
Usually, yes. Specialty and E&S markets exist precisely for tree work — declines, claims history, and high-height operations are what they quote every day. Expect questions about your rigging practice, fall protection, and the claim itself.
Does my policy cover work above 60 feet?
Check the form — many standard GL forms cap covered tree work at three stories, and a claim above the cap may not respond at all. Tell us your real maximum working height and we place a form that matches it, so there’s no argument at claim time.
Are my climbers and ground crew rated the same for workers’ comp?
They shouldn’t be. Payroll splits between climbers and ground crew — documented and audit-ready — are one of the biggest levers on your comp premium. Tree work misclassified as logging is the other; we fix both.
Do you cover crane work? What about a subcontracted crane operator?
Yes on both. Owned and operated cranes get rated on the policy; hired cranes need hired & non-owned auto plus a COI from the operator so their claims don’t land on your account. We set up the certificate tracking with the placement.
We do spraying and plant health care — is that covered?
Only on forms that include chemical application — many exclude herbicide and pesticide work outright. Tell us what you apply and your applicator licensing; both consulting and contracting arborists are welcome.
Let’s get started.
Send it in and a licensed broker calls you back right away.
Want to speed up your quote?