General Liability Insurance
Tree Trimmers General Liability Insurance
When your work involves chainsaws, falling limbs, heavy equipment, bucket trucks and crews working on someone else’s property, your liability risks are anything but ordinary.
Tree Trimmers Insurance Agency specializes in insurance for tree service companies and arborists. We understand the work you do, the equipment you use and the risks that come with every job.
General Liability Insurance Built for Tree Service Companies
General liability insurance helps protect your tree service business when your operations result in third-party bodily injury or property damage covered by your policy.
For a tree company, one mistake can become an expensive claim quickly.
A limb damages a customer’s roof. A piece of equipment damages a vehicle. Debris causes someone to fall. Work being performed results in damage to neighboring property.
These are real risks tree service businesses face every day.
General liability insurance can help protect your business from the financial impact of covered claims.
What Can Tree Trimmer General Liability Insurance Cover?
Depending on the policy, coverage may include:
Thirdy-Party Bodily Injury
If someone other than an employee is injured as a result of your business operations, general liability insurance may help cover eligible medical expenses, legal costs and settlements.
Property Damage
Tree work takes place around homes, vehicles, fences, utility structures and other valuable property. General liability may provide coverage when your work accidentally damages someone else’s property.
Completed Operations
A claim doesn’t always happen while your crew is still on the job. Completed operations coverage may provide protection for certain covered claims arising after work has been completed.
Personal and Advertising Injury
General liability policies may also provide protection for certain claims involving offenses such as libel, slander or advertising injury.
Legal Defense Costs
Even when a business believes it did nothing wrong, defending against a lawsuit can be expensive. General liability coverage may help with covered legal defense costs.
Tree Service Isn't the Same as Landscaping
Tree trimming and removal can involve exposures that are very different from those of a traditional lawn care or landscaping company.
Your crews may be:
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Removing large or hazardous trees
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Working at significant heights
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Operating chainsaws and specialized cutting equipment
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Using cranes, lifts or bucket trucks
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Working near homes, vehicles and other structures
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Grinding stumps and removing debris
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Working around utility lines
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Operating expensive specialized equipment
How Much Does Tree Service General Liability Insurance Cost?
There isn't one price that fits every tree company.
Insurance companies may consider factors such as:
- Annual payroll and revenue
- Number of employees
- Types of tree services performed
- Years in business
- Claims history
- Where you operate
- Use of subcontractors
- Equipment and vehicles
- Coverage limits
- Safety practices and procedures
The best way to determine your cost is to review your actual operation rather than relying on a generic online estimate.
Does General Liability Cover Your Employees?
Generally, no. General liability is primarily designed for claims involving third parties. Employee work-related injuries are typically addressed through
Workers' Compensation Insurance
Tree service businesses with employees should evaluate both general liability and workers' compensation as part of their overall insurance program.
What About Trucks, Chippers and Equipment?
General liability is only one piece of a tree service insurance program.
Questions Tree Service Owners Should Ask About Their Liability Coverage
Before buying or renewing coverage, ask:
- Does my policy accurately classify my tree service operations?
- Are tree removal and trimming activities included within the scope of my coverage?
- How are subcontractors handled? What exclusions apply to the work we perform?
- Are my liability limits appropriate for the contracts and jobs we take?
- Do I need an umbrella policy for additional protection? Are my trucks, trailers and equipment insured under the appropriate policies?
Price matters. But knowing what you're actually buying matters too.
Insurance From People Who Know the Tree Business
Tree Trimmers Insurance Agency focuses on the insurance needs of tree service companies and arborists.
Instead of trying to fit your operation into a generic business insurance program, we take the time to understand what your crews do, what equipment you operate and where your biggest exposures may be.
Whether you're reviewing an existing policy or shopping for new coverage, we're here to help you understand your options.
Let's Review Your Tree Service Insurance
Already have insurance? That's a great place to start. Send us your current coverage and let our team review your existing insurance program.
We'll look at your operation, current coverage and available options to help you determine what makes sense for your tree service business.
Serving Michigan, Indiana, Illinois, Minnesota, Iowa, and Wisconsin SINCE 1960!