Tree Removal Insurance

Whether you run a large tree service company or you are an independent arborist, it’s critical to protect your business with insurance.

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Zensurance - Arborist

What is Tree Removal Insurance?

Tree Removal Insurance (also known as Arborist Insurance) is a policy package designed for arborists, which provides financial coverage for the common risks associated, such as third-party injury and property damage.

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What does it cover?

As an arborist, your work requires physically demanding labour in all different weather conditions. Therefore, it is important to have insurance coverage specifically designed for the risks you encounter and the equipment you own.

A comprehensive Tree Removal Insurance program will typically include the following:


Do arborists need insurance?

Regardless of the tree services provided (residential or commercial), there may still be risks of slip-and-fall injuries and property damage, especially in work locations close to buildings and pedestrians.

Insurance coverage will provide financial protection should you or your employees be named in a lawsuit.

We’ve insured more than 1,000 contractors. Some of our clients include:

  • Arborists
  • Landscapers
  • Tree Planters
  • Tree Pruning/Trimming

How much does it cost?

The cost of insurance for a small tree removal business working on residential projects typically starts at $540 for a Commercial General Liability Insurance policy with a $2M coverage limit.

There are several factors considered when determining a price for a Tree Removal Insurance program, including:

  • Number of Employees
  • Project type (Commercial/Residential)
  • Years of Experience
  • Type of Tree Services Offered
  • Location
  • Tools & Equipment Owned
  • Annual and Projected Revenue

Getting insured is quick and easy!

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Common claims scenarios

Arborist removing tree

Problem: You were contracted to remove a hanging tree branch from a client’s backyard.   During the removal, you miscalculated the angle of the cut caused the branch to crash onto the patio destroying property.

Outcome: Commercial General Liability Insurance would cover the $25,000 cost to repair the client’s patio.

Bugs eating tree

Problem: After conducting a tree risk assessment on a commercial property, your analysis concluded that it was deemed not necessary to have the tree removed.  A couple of weeks later, the same tree fell down and destroyed the side of the building.

Outcome: Your client sues you for negligence, which caused $100,000 worth of property damage.  Good thing your Errors and Omissions Insurance has it covered.

Tree fallen on home

Problem: An invasive species was slowly killing your client’s precious 100-year-old tree, and you were left with no choice but to use pesticides to remove the infestation.  During the procedure, you accidentally cause a spill that damages your client’s lawn and property.

Outcome: Your Pollution Liability Insurance policy covers the $23,000 worth of property damage that resulted from the pesticide spill.

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