Tree trimmer insurance for tree services, arborists and stump grinders
Get a tree trimming insurance quote for general liability, and add commercial auto for your trucks and coverage for your chippers and grinders if you want it. One application covers it all.
Insurance built around tree work
Every quote starts with general liability. You choose whether to add commercial auto, equipment coverage, or arborist professional liability.
General liability
Commercial auto
Equipment coverage
Arborist E&O
Who we help
Tree work is some of the hardest work to insure. Many carriers won't touch removals, climbing or crane work, and a general landscaping policy often excludes it. That's why tree trimmer insurance should come from people who ask the right questions up front.
Whether you run a one-truck trimming outfit, a full-service removal crew, or a stump grinding business, the application is built from the questions tree service underwriters actually ask.
- Tree trimming and pruning services
- Tree removal companies
- Stump grinding businesses
- ISA Certified Arborists
- Consulting arborists
- Land and lot clearing
- Landscapers who also do tree work
- Storm clean-up crews
The kinds of claims tree services face
A section you are lowering swings wide and cracks a customer's patio and a neighbor's car windshield.
A homeowner walks under the drop zone to watch and is hit by falling debris.
Your stump grinder cuts through a buried irrigation line and a low-voltage cable the customer never mentioned.
How it works
Fill out one application
About 10 minutes. Have your gross sales, payroll and a rough equipment list handy.
Your application is shopped
Your answers go to markets that write tree work, including removals and stump grinding.
Get your quote
Someone reaches out with options for general liability and any add-ons you picked.
Tree trimming insurance questions
This content is for general information only. It is not insurance advice, a quote, or an offer of coverage. Policy wording controls in all cases. Read the full disclaimer.
What is tree trimmer insurance?
Tree trimmer insurance is a package of business insurance for tree services. It usually starts with general liability, which responds to claims that your work caused bodily injury or property damage to others. Many tree services add commercial auto for their trucks and inland marine coverage for their equipment.
Is tree trimming insurance different from landscaping insurance?
Yes. Carriers see tree work as a higher hazard than mowing or planting because of heights, heavy limbs, chainsaws and work near power lines. Many landscaping policies exclude tree work over a certain height or exclude removal entirely, so make sure your policy lists tree trimming and removal as covered operations.
Does arborist insurance cover my advice and reports?
General liability is built for physical injury and damage. If you sell tree risk assessments, appraisals or written reports, a separate arborist errors and omissions (professional liability) policy is designed to respond to claims that your advice was wrong.
Do I need stump grinding insurance if I only grind stumps?
Yes. Stump grinding carries its own risks: thrown debris, damage to buried utilities, irrigation and foundations, and injuries around the grinder. Stump grinding insurance is usually written as general liability with stump grinding listed as an operation.
What if my subcontractors don't have insurance?
When subcontractors are not required to carry their own general liability and name you as an additional insured, carriers usually treat what you pay them as your own payroll. That is why the application asks about both.