Tree Service Insurance
- Budget Friendly
- Built for Small Businesses
- Instant Proof of Insurance! (COI)
Why Do Tree Service Businesses Need Insurance?
For those unexpected snips and slips, tree service businesses need insurance to safeguard against costly damages or injuries. With the right coverage, you can confidently focus on making outdoor spaces beautiful without worrying about financial pitfalls from unforeseen accidents.
If a falling branch damages a client’s roof
General liability coverage pays for the repairs.
If someone gets injured by a dropped tool
Look out below! 😩 General liability coverage takes care of accidents on the job.
If a client disputes your service quality
Lawsuits can be pricey; let us cover the defense costs.
If an expensive chainsaw is stolen
We’ll get it replaced in no time!
If a fire destroys your warehouse
Bad luck hits the best of us. We’ll handle the damages.
*Please note: Insurance Canopy’s coverage applies solely to tree trimming done from the ground.
Valley Custom Lawn Services for Insurance Canopy
How Much Does Tree Service Insurance Cost?
Tree service insurance with Insurance Canopy starts at just $31 per month. Our competitive coverage is tailored to your needs, and understanding the factors that influence your total premium costs can help you make the best choice for your protection.
Through our 100% online application, you can get a no-hassle quote based on your business needs in less than 5 minutes. It’s that easy!
Save when you choose annual!
Why juggle monthly payments when you can take care of it all at once? Save 12% by paying upfront for the year, and have peace of mind that your tree service insurance is all set.
What Does Tree Trimming Insurance Cover?
Our tree trimming insurance covers everything from ground-level trimming accidents to equipment damage. While our policy doesn’t extend to trimming from above, it’s been crafted with input from real tree service pros to ensure your business is protected where it counts.
Included
General Liability Coverage
Property damage and third-party bodily injury claims are the most common in the tree service industry. General liability insurance for tree service businesses cover all of these scenarios and more. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.
Add-Ons
Trailer & Equipment Coverage
Trailer and equipment coverage, often referred to as inland marine insurance, is here to keep your essential gear safe and sound. If your detached trailer gets stolen or if your tools get accidentally damaged, this coverage provides financial support for repair or replacement costs
Tree Service Surety Bonds
Surety bonds are essential for tree service businesses, as they protect your operations and build client confidence. This bond involves three main parties: the landscaping contractor (you!), the client, and the surety company, which guarantees your compliance with the contract terms.
While not always obligatory, many regions require surety bonds for legal tree service work. After obtaining your tree service insurance policy, you can conveniently purchase your bond via your customer dashboard.
Types of bonds we offer:
- Business Service Bonds
- License & Permit Bonds
- Contractor Bonds
- Custom Pesticide Applicator
Additional Insureds
An additional insureds refers to an individual or entity added to your policy for extended coverage in specific situations. Clients or organizations hiring tree service professionals often require this to shield themselves from potential liability if something goes wrong during the job.
For instance, when a property owner hires a tree service company to remove a hazardous tree, they may request to be added as an additional insured to ensure protection against property damage or injury. Similarly, a city might ask to be included when contracting tree services to trim branches near roads or public spaces, providing coverage in case the work leads to an accident or damage to municipal property. This arrangement protects the tree service provider and the client if any unexpected issues arise.
Cyber Liability Coverage
Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your tree-trimming business, Cyber Liability coverage can help you with:
- Data Breach Notification Costs
- Customer Data Loss
- Ransomware and Cyber Extortion
- Legal Fees
- Business Interruption Fees
Workers Compensation Coverage
Workers compensation for tree service businesses provides the coverage your employees need if they’re hurt on the job. From chainsaw cuts and falling branches to muscle strains from hauling heavy limbs or slips on uneven ground, injuries can happen fast. Workers comp helps cover eligible medical bills and lost wages when they do.
Not only is it required in most states, but it also gives your crew the confidence to focus on the job, knowing you’ve got their back if something goes wrong.
Commercial Auto Coverage
For tree service businesses, reliable commercial auto insurance is key. Your trucks and trailers carry heavy tools, haul branches, and get your crew members between job sites. But one accident — a sudden stop, a distracted driver, or a load shift — can cause serious damage.
Commercial auto covers repairs, medical bills, and liability, keeping your business moving. Note: personal auto policies don’t cover accidents that occur while on the clock, so most states require proper commercial auto coverage.
Coverage Limits for Tree Service Business Insurance
Maximum Tree Service Liability Insurance Limits
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold, or distributed.
$2,000,000
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$1,000,000
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
$5,000
Optional Coverage Options
Tools & Equipment Coverage
Limits
Premium
Deductible
$5,000 Policy Year
$155
$500
$10,000 Policy Year
$258
$25,000 Policy Year
$670
Specific Questions? We’re on it.
Our licensed agents are available to answer any questions you may have!
(se habla español)
Why Tree Trimmers are Choosing Insurance Canopy
Because they realize that protecting their assets with us is a ‘mow-brainer’! Hundreds of small tree service businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.
Affordable & Transparent Policies
Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your tree service business.
Tailored for Small Businesses Like You
We’re aware of the unique risks tree trimmers face. Our coverage is designed to protect your expertise and support your business as it grows.
100% Online With Human Expert Support
Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.
100,000+ Small Businesses Trust Insurance Canopy
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TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025Great and affordable insurance
Peter DAntoni
December 6, 2024Being a caricaturist, I never understood why I needed liability insurance, but it got to that point where I was missing opportunities because of it. So, I researched a bit... Read More
Paul McNeilly
November 12, 2024 -
I’m just saying that is easy to get the vendors insurance with this company
Silvia Delgado
November 6, 2024Definitely a great asset to my business, I have never had a problem getting what I need from IC. Good communication skills, always get help from the agents, attenuative on... Read More
Robert Avila
November 6, 2024Your site was extremely easy to use, I was able to get my event insured for what the event planners wanted. The price was so affordable. Even chatting... Read More
Rebecca Ruby
November 6, 2024 -
Quick easy sign-up convince is great
Vincent Davanzo
November 6, 2024Great to work with. Always available for assistance.
Two Pour Girls Bartending
November 6, 2024Best customer service I have ever had in regards to insurance.
Edward Findley
November 5, 2024 -
Super easy and convenient. Just renewed, thanks.
Wendy Berg
November 3, 2024Great to work with. Always available for assistance.
Courtney Araneo
November 3, 2024This is only the second year I have had this insurance. Haven't had to use it. But it's nice to know i have it. The price is great too
Vickie Sundgren
November 3, 2024 -
Canopy insurance has been great for my business. Definitely a five star definitely recommend it..
Fernando Ferreira
October 12, 2024Very easy and straight forward experience! The agent and live chat were instrumental in acquiring my policy.
Jacob Smith Jr
October 7, 2024Rey was amazing. So easy! So fast!
Herman Koch
September 30, 2024 -
Always treated well. They take care of my business insurance and I don’t have to worry about anything with insurance canopy in my corner. 10 year customer.
Mark Paquin
September 14, 2024Excellent rates and coverage! Did a lot of homework before going with Insurance Canopy, by far the best bang for the buck 🙂
Alana Wyld
September 14, 2024She is positive and friendly !
Alan Dynin
September 14, 2024 -
Had a great experience obtaining a policy quickly for a solo musical act. After a year, modified my policy to a fully staffed production easily using the chat feature of... Read More
Paul Tolle
September 6, 2024I am a professional mobile DJ. I use Insurance Canopy for a policy to cover my equipment and liability. They are easy to do business and the website makes... Read More
Don Kirby
September 6, 2024Best price I have found! Excited to be a customer
Dustin Price
September 6, 2024
-
TLJ's Mobile Mixology, LLC had been insured with Insurance Canopy since it's inception and we have no complaints.
Tenisha J.
February 4, 2025 -
Knowledgeable, kind, attentive and professional. She helped me to feel comfortable, well taken good care of and get the service possible.
Ed Levitt
February 3, 2025 -
As a Massage Therapist, I was not aware until a few years ago that I did not have to be part of an Organization to get my liability insurance! I... Read More
Kristie Williams
January 30, 2025 -
This insurance has helped me secure events with my corporate and local government clients. They have great customer service and are always willing to help.
Tony Felix
January 23, 2025 -
Representative was clear & concise in explaining specifics of the policy. Cost of policy very reasonable.
John B
January 16, 2025 -
I’m very happy with my purchase of liability insurance for a one-off event. I was even able to edit the policy after it had been issued with the help of... Read More
jay gedeon
January 6, 2025 -
Super easy to use and great service; I had a little error from my part and needed to correct it customer service was super helpful they guided me through the... Read More
Ana Zavala
January 6, 2025 -
I needed some liability insurance for my business. The team at Insurance Canopy had great recommendations and the insurance was reasonable for the coverage. Web site and process... Read More
Susan Tedesco
January 6, 2025 -
Was waiting for two other insurance companies to get back to me for over 2 1/2 weeks and losing money every day. Sitting here, frustrated I asked ChatGPT what... Read More
Chad Laibly
January 6, 2025 -
Great coverage, excellent price, terrific customer service. I checked out a lot of different carriers and they had the best reputation and coverage. Since most venues require insurance, it was... Read More
Steve Bryant
January 6, 2025
Questions About Tree Service Insurance
Is my tree service insurance policy effective immediately?
Yes. As it should be!
With Insurance Canopy, your tree service insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment—allowing you to get back to work without skipping a beat.
Our insurance is designed for ground-based tree trimming operations only.
Can I cancel my tree service policy at any time?
You can cancel your tree service business insurance with Insurance Canopy anytime.
While your plan offers flexibility to cancel, please note there is no money-back guarantee on months you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.
The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.
How do I file a tree service claim?
Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:
- 🖥️ Log in to your dashboard
- 🧐 Find “Manage Policies”
- 📂 Click on “File a Claim” and share your info
Once you’re done, a trusty claims adjuster will swoop in to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly. In the meantime, if you have any questions or need assistance, please reach out.
Note: If you file a claim after canceling your insurance, you won’t be covered unless your policy is active when the incident occurs. Insurance only offers protection while your policy is active, so make sure you have continuous coverage to stay protected! Our support team is here to help any time. If you have any questions or need assistance, please reach out.
How do I renew my tree service insurance policy?
Insurance for tree trimmers doesn’t get easier than this. Our EZ-Renew feature automatically refreshes your policy annually, ensuring that your coverage won’t miss a beat. This removes the stress of a claim occurring while your policy isn’t active, which could leave you unprotected.
And don’t worry — we’ll email you a reminder before your policy refreshes, that way you always know when you’ll be billed. If you wish to opt out of EZ-Renew but still wish to continue your coverage, you only need to complete a new application when your policy is up. If your coverage needs to change, you can also adjust your policy by contacting our support team.
Our team is always ready to help answer your questions. Smile included.
Want to talk to a real person? We do that too.
Monday to Friday, 8 am – 8 pm EST
(se habla español)
Nature Waits for No One—Nor Should Your Coverage.
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