Tree Service Insurance
Tree service insurance is coverage for businesses that trim, maintain and remove trees. General liability is the most common coverage for tree trimmers. It could minimize your company’s out-of-pocket costs after an accident and reassure clients who might be hesitant to hire you.
Licensed agents in the Progressive Advantage® Business Program can help you determine what insurance your tree service should have.
General liability insurance for tree services
General liability insurance for tree service businesses protects against accident-related costs. Tree companies can get this coverage in the excess and surplus lines (E&S) market, which specializes in insuring high-risk businesses.
E&S carriers can write policies for hazardous professions because they follow different regulations than standard insurers. This freedom means they can cover businesses that other insurance companies can’t, such as tree trimming, removal and service.
Tree services belong in the E&S market because it’s tailored to their needs and can handle more expensive claims. You’ll get the same amount of general liability protection that standard insurers offer and receive the same level of service, including the ability to speak with an agent and file claims.
Starting a quote is an easy way to get liability insurance for your tree service business.
How General Liability Helps Tree Services
General liability is the most common tree service insurance requirement. It safeguards your business from a variety of risks. Some coverage examples include:
- Property damage: Tree removal insurance protects your business if a falling branch damages a homeowner’s property.
- Medical expenses: General liability covers customer injuries caused by falling debris and stray tools.
- Products completed operations: This coverage helps if your tree trimming company fails to address customer concerns or does work incorrectly.
An agent can review these common risks associated with your job and help you secure tree trimming and removal insurance coverage.
How much is tree service insurance?
Tree service insurance cost depends on several factors, including your coverage needs, number of employees and claims history. Your exposure to risk also affects what you’ll pay.
Tree service companies get general liability coverage from the E&S market, which means the average cost of tree insurance might be higher than a standard market plan. E&S insurance usually costs more because these carriers support expensive claims that regular insurers can’t handle.
Other contractor professions, like landscaping, will usually have lower insurance rates than tree service. These jobs both deal with plants, but they have different responsibilities and risks. Tree trimming insurance cost reflects hazardous tasks, like removing large branches and fallen trees.
The best way to find out your insurance cost is to get a quote.
Start a tree service insurance quote
A tree service insurance quote can help you understand your coverage options and potential premium.
Progressive Commercial works with highly rated tree trimming insurance carriers in the E&S market to provide you with stability, options and expertise. Our goal is to connect you with the best insurance for your business.