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 Tree Removal Insurance.

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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 with owning a tree service business, such as slip-and-fall injuries and third-party property damage.


What does Tree Removal Insurance cover?

As an arborist, your work requires physically demanding labor 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:

  • Commercial General Liability Insurance: covers costs associated with common tree removal liability risks, such as third-party injuries or property damage.
  • Tools and Equipment Insurance: covers the cost to repair or replace your tools and equipment due to damage from work accidents (includes vandalism) or loss (includes theft).
    • Business property valued under $1,500 is classified as tools, and anything over is considered equipment.
  • Commercial Property Insurance: coverage for physical loss or damage to your property (rented or owned) and its physical contents due to an external disaster, such as a fire, theft, or vandalism
  • Pollution Liability Insurancecovers third-party bodily injury, property damage, and environmental damage due to both gradual and sudden pollution events that occur on a covered job site.

Errors and Omissions Insurance: For Arborists who provide any form of consultation or assessments, this policy will provide financial coverage from lawsuits due to the rendering of or failure to render any professional tree service.

Commercial Auto Insurance: provides financial coverage for any business-owned vehicles along with employees who drive it from accidents, damages, and theft.


Who needs Tree Removal 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 tree service contractors. Some of our clients include:

  • Arborists
  • Landscapers
  • Tree Planters
  • Tree Pruning
  • Tree Trimmers
  • Tree Removal

How much does Tree Removal Insurance 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!

If Tree Removal Insurance is what you need, request a free quote now.

Common scenarios where Aborist Insurance is useful

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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