Tree Service Insurance — placed, not declined.
Most standard carriers won't touch tree work — chainsaws, heights, and rigging see to that. Hard-to-place is our specialty: we put arborists and tree crews with markets that actually write the class.
Coverage you probably need
General Liability
The limb through the neighbor's roof; the fence a takedown clips. What is general liability? →
Workers Compensation
Code 0106 — among the highest-rated outdoor codes; required with employees. What is workers compensation? →
Commercial Auto
Chip trucks, bucket trucks, and trailers. What is commercial auto? →
Inland Marine (Equipment)
Chippers, stump grinders, saws, and rigging gear. What is inland marine (equipment)? →
Umbrella
Municipal and utility contracts often require $2M+ total limits. What is umbrella? →
What can go wrong
- A rigged limb swings into the house.
- A climber or ground worker is struck or falls.
- A takedown drops onto a parked car or power line.
- The chipper claims a hand — the industry's nightmare.
- Storm-work surge outpaces your certificates.
What carriers usually ask
- Removal vs. trimming percentages.
- Climbing vs. bucket work, and crane use.
- Maximum tree heights and proximity to structures.
- Certifications (ISA) and safety program.
- Equipment schedule and values.
Common contract wording
Municipal and commercial contracts typically require $1M/$2M GL plus auto and comp evidence, with additional insured status — and storm work often demands certificates on 24-hour turnaround.
State notes: Tree work is specialty/E&S in much of the market; non-admitted placement is normal for this class and we disclose exactly what that means.
Get covered for Tree Service Insurance.
Start an instant quote, or have a licensed agent review your exact situation.
Start a quote Send to an agentTree Service Insurance FAQs
Why was I declined by a big-name insurer?
Standard markets avoid the class — it's not you. Specialty markets write tree work every day, and that's where we place it.
Does GL cover the tree I'm removing?
No — GL covers damage to OTHER property. The tree itself and your gear are separate coverages.
Do certifications lower the price?
Genuinely yes. ISA-certified arborists and documented training move underwriters in this class more than almost any other.
Storm season COIs fast?
Same-day once bound — we know storm calls can't wait.
Keep exploring
Coverage descriptions are general and vary by state and carrier. Final terms are confirmed at quote.