Tree Service Insurance

Get an insurance policy by the hour, day, or month in 60 seconds.


General Liability
Equipment Coverage
$1,000,000 Limit
Pause Policy
4.7/5 stars from 467 reviews on Trustpilot
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Why do I need Tree Service Insurance?

As you rev up your chainsaw and haul heavy branches, you’re probably familiar with the risks of running your tree service business. Whether you offer tree trimming, tree felling, or all of the tree services imaginable, you need to have Commercial Liability Insurance.

With all of the physical labor and, well, physics involved in tree services, accidents are a huge risk for your business especially. That’s why a tree service insurance policy is so crucial.

Moreover, top clients will likely require you to come to the table with an active tree services insurance policy—and a Certificate of Insurance to prove it.

Through Thimble, you can access a robust commercial insurance policy for your tree services career within 60 seconds. 

What does Tree Service Insurance cover?

Tree services insurance is a crucial part of any tree trimmers’, or generalist’s finances. A tree services insurance policy with Thimble includes general liability insurance, which protects you against claims of third-party bodily injury and property damage in situations like the following:

Third-party, non-employee bodily injury: Imagine you’re working on removing a massive dead tree that’s dangerously close to tumbling. You go at it slowly but surely, and you’re making steady headway. However, your progress gets interrupted by a call from another client. You pack up your tools and step away to take the call. For the mere minutes you’re away, your present client trips over your pile of tools and injures his hand. He’s unable to type or use a mouse for months, which gets in the way of his job as a freelance writer. Luckily, your tree removal General Liability Insurance policy covers bodily injury, so you’re covered to defray the loss of income he faces.

Third-party property damage: One of your employees is hacking away at a large branch near a client’s window. It’s a tough one, and it’s not giving way easily. In frustration, your employee hits the branch with an especially forceful cut, and the branch finally detaches—only to fly through your clients’ window and destroy the art they have hanging on the opposite wall. The art is small, so you offer to replace it, but it turns out it’s a sketch from Monet’s early years, and it’s worth hundreds of thousands of dollars. Because your tree services General Liability Insurance covers third party property damage, you’ll be able to cover the costs of replacing your client’s damaged art.

Defense costs: A customer might file a claim against you, even if that claim is unjustified. Maybe a client claims that a tree trimming job you performed caused the tree to be more vulnerable to high speed winds and, in turn, the tree you worked on fell on your client’s car. Even if you’re eventually absolved of the blame, you’ll need to hire a lawyer to get to that point—and lawyers are expensive. Your tree trimming General Liability Insurance covers defense costs, though, so you won’t need to pay for your representation out-of-pocket.

How much does Tree Service Insurance cost?

With Thimble, you can purchase policies by the hour, day, and month, so you’ll only pay for the time you’re working. Get an instant quote to better understand exactly how much it will cost.

Do I need landscaping insurance if my clients have homeowner’s insurance?

Yes, you should still opt for general liability coverage even if your client has homeowner’s insurance. These policies cover very different things: your client’s homeowner’s insurance protects them from risks associated with fire, theft, and other events that may cause damage to their home. It can also respond to accidents resulting in bodily injury that occur on the client’s property if they are found to be at fault. For example, if you or another visitor is injured on your client’s property, their homeowner’s insurance may cover the costs associated with your injury.

Landscaping liability insurance, on the other hand, protects you in case an accident that occurs while you are working causes damage to a third party. For example, if your lawnmower throws a rock and you break a window in your client’s home, your general liability insurance will respond.

How quickly can I get a Certificate of Insurance?

With Thimble, you can access a Certificate of Insurance (COI) instantly. Whether you’ve just purchased your tree removal business insurance, or you purchased it a year ago, you can pull up your COI within the Thimble app. Your Certificate of Insurance can help you prove your coverage to potential clients, and it can also serve as an easily accessible resource to help you to confirm the details of your coverage.

How do I get Tree Service Insurance with Thimble?

All you need to provide is your industry, zip code, and desired coverage period, and we will provide you with an instant quote tailored to your needs. Get a quote in minutes so you can spend more time growing your business.

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