Tree Service Insurance in
Michigan
Insurance Built for Michigan
Tree Service Companies
Running a tree service company in Michigan comes with risks that most businesses simply don't face. Your crews may be climbing trees, operating chainsaws, running chippers and stump grinders, driving commercial vehicles, and working around homes, businesses, vehicles and other valuable property..
What Insurance Does a Michigan Tree Service Company Need?
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General Liability Insurance
A falling limb could damage a customer's property. Equipment could cause accidental damage at a job site. A third party could be injured while your crew is working.
Worker's
Compensation
Michigan requires many employers to maintain Workers' Compensation coverage based on factors including the number of employees and hours worked.
Commercial Auto Insurance
Michigan tree service companies may operate pickups, dump trucks, bucket trucks, chip trucks and other commercial vehicles while towing trailers and transporting crews and equipment.
Tree Trimmer Equipment Insurance
Equipment that moves between your shop and job sites may require specialized coverage, such as inland marine or contractors equipment insurance.
Commercial Property Insurance
Your property coverage and mobile equipment coverage should work together to protect both what stays at your location and what travels with your crews.
Commercial Umbrella Insurance
Commercial Umbrella Insurance can provide additional limits above certain underlying liability policies when a covered claim exceeds those underlying limits.
Employment Practices Liability Insurance
Employment Practices Liability Insurance may provide protection for certain covered employment-related allegations involving wrongful termination, discrimination, harassment, retaliation and other employment practices claims.
Michigan Workers' Compensation: What Tree Companies Should Know
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For example, Michigan generally requires coverage for private employers that regularly employ:
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- One or more employees working 35 hours or more per week for 13 weeks or longer during the previous 52 weeks; or
- Three or more employees at one time, including part-time employees.
Michigan Tree Companies Need More Than a Generic Business Policy
A tree service operation may involve working at significant heights, operating heavy machinery, dropping large limbs, working around power lines and structures, hauling equipment and sending multiple crews to different job sites every day.
Type of Tree Work
- Tree trimming
- Tree removal
- Stump grinding
- Land clearing
- Storm cleanup
- Crane work
Equipment
- Bucket trucks
- Wood chippers
- Skid steers
- Loaders
- Chainsaws
- Climbing & rigging equipment
Business Operations
- Number of employees
- Payroll
- Commercial vehicles
- Subcontractors
- Service territory
- Residential & commercial work
Are You Growing Your Michigan Tree Service Business?
Growth is good—but growth can change your insurance needs.
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Added another crew
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Purchased a bucket truck
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Bought another chipper
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Increased payroll
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Hired additional employees
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Started taking larger commercial jobs
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Expanded your service territory
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Added new types of tree work
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The policy that worked when you had one truck and three employees may not be the right insurance program for the company you operate today.
Already Have Tree Service Insurance?
You don't necessarily need to start over. Let Tree Trimmers Insurance Agency take a second look at your current policies.
We'll learn more about your Michigan tree service operation, review your existing coverage and help identify areas that may deserve a closer look.
Tree Service Insurance
Throughout Michigan
We help tree service contractors and arborists throughout Michigan. Whether your business operates in Southeast Michigan, Southwest Michigan, West Michigan, Northern Michigan or elsewhere, we can help you evaluate coverage for your crews, equipment, vehicles and day-to-day operations.
Tree Service Insurance From People Who Understand Your Business
Tree Trimmers Insurance Agency specializes in helping tree service companies and arborists protect their businesses. We understand the trucks. We understand the equipment. We understand the crews. And most importantly, we understand that tree service insurance isn't the same as ordinary business insurance.
Let's Review Your Michigan Tree Service Insurance
Whether you're starting a tree service company, growing an established operation or simply wondering if your current insurance still fits, we're ready to take a look.