Tree Service Insurance Cost
Is tree service insurance worth the price? Tree trimming, pruning, and shaping services are a great way to boost your income, but these services also carry additional risks that can turn a single mishap into a financial roadblock.
How Much Does Tree Service Insurance Cost?
Adding tree service insurance to your base general liability policy is just $48 per month or $576 per year. You can also customize your coverage further with optional add-ons that round out your policy.
What Types of Payment Plans Are Available?
Our tree service insurance features monthly and annual payment options.
Save by paying annually. Pay your full premium upfront and skip the monthly service fee — plus lock in the lower annual rate. If you need year-round coverage and want to minimize what you pay over the life of your policy, annual is the better deal.
Prefer to spread it out? Monthly payments keep your upfront costs low and help manage cash flow during slower seasons. A small $2 monthly fee applies for this flexibility.
How Much Does Each Type of Coverage Cost?
General Liability Insurance: $33.75/Month or $375/Year
General liability coverage is your safety net for third-party bodily injury and property damage claims. It can also pay legal defense costs and medical bills tied to business-related accidents.
General liability includes $500,000 per occurrence and $1M aggregate. If you need higher limits, $1M per occurrence with $2M aggregate is also available.
Equipment and Tools Coverage: $13/Month or $155/Year
Also called inland marine, tools and equipment insurance helps pay repair or replacement costs if your gear is damaged or stolen in transit, at a job site, or while in storage. This includes chainsaws, pole saws, and other essential tree service gear.
Cyber Liability: $8.25/Month or $99/Year
If sensitive client information or payment data is stolen or exposed in a cyberattack — ransomware, data loss, security breaches — cyber liability has you covered. It can pay for legal fees, credit monitoring, notification costs, and more.
Professional Liability: $15/Month or $180/Year
When a client claims your work, advice, or professional service caused a financial loss, professional liability steps in to cover the cost of defending and resolving the claim, up to your policy limit.
Snow & Ice Removal: $217/Month or $2,604/Year
Snow and ice removal protects your business from winter exposures — slip-and-fall claims, property damage from plowing or de-icing, and related liability from clearing driveways, walkways, and small residential or multi-family areas.
Pool Cleaning: $20/Month or $240/Year
Pool cleaning insurance covers risks associated with servicing pools, including accidental damage to pool finishes or equipment, injuries related to pool work, and liability arising from chemical handling or service-related incidents.
Pressure Washing: $13/Month or $156/Year
Pressure washing coverage protects against exposures from high-pressure cleaning, such as surface damage, overspray onto nearby property, water intrusion, and related liability or defense costs.
Christmas Light Installation: $33.75/Month or $375/Year
Hanging string lights on rooflines and ladders adds a seasonal layer of risk to your business — a fall, a damaged gutter, or a fire hazard from faulty wiring can turn a holiday job into a costly claim. Christmas light installation insurance covers property damage and injury claims tied to installing, maintaining, or removing holiday lighting displays.
Additional Insured: $0.83/Month or $10/Year
Additional Insured coverage adds a client or general contractor to your policy as a covered party when required by a contract. This protects them from covered losses under your policy and helps you meet proof-of-insurance requirements.
Need Workers Compensation, a Business Service Bond, or Commercial Auto Coverage?
Pricing for workers compensation, business service bonds, and commercial auto insurance depends on factors like your payroll, crew size, driving history, and vehicle count — so we can’t post a flat rate here. The good news: getting a custom quote takes just a few minutes.
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.
What Factors Affect Tree Service Liability Insurance Cost?
Optional Coverages
If your tree service business needs additional coverages, like cyber liability or tools and equipment, your final cost will increase.
Crew Size
More employees mean more exposure to risk for your crew and your business. A larger crew can raise your premiums and affect your coverage costs.
Claims History
Insurers often charge higher premiums for businesses with a history of claims, leading to higher premiums.
Tree Service Liability Insurance Cost Factors
Your total tree trimming insurance cost depends on where you live and whether you’re running solo or managing a crew. Use the following pricing chart to find your estimated monthly or annual premiums.
Pro Tip: Need more information about workers compensation for your crew? Check out our guide to hiring your first employees.
How Can I Keep Costs Down?
You can reduce costs by managing risk on the job site. Try these risk management strategies to stay safe and keep costs low:
- Inspect chainsaws and other gear regularly to avoid costly accidents and repairs.
- Create clear work boundaries at each job site to keep you, your crew, and your customers safe.
- Work within the scope of your policy and add-on coverages. This means avoiding tree work within 15 ft of power lines and only performing tree work outlined in your policy.
Why Insurance Canopy for Tree Service Insurance?
Looking for an affordable, comprehensive tree service insurance policy that checks all the boxes? Insurance Canopy offers all that and more:
- Affordable Monthly or Annual Payments
- Transparent Pricing
- Coverage that Scales with Your Crew Size
- Instant Certificate of Insurance (COI)
- Manage Your Policy Online 24/7
Tree Service Insurance Coverage Details
General Aggregate
The most your policy will pay in a 12-month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
$2,000,000
Products & Completed Operations Aggregate
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services. However, it does not cover products that are sold or distributed.
$1,000,000
Each Occurrence Limit
The maximum your policy will pay for a bodily injury or property damage claim that you are legally obligated to pay due to your business services.
$1,000,000
Personal & Advertising Injury Limit
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention, or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
$500,000
Damage to Rented Premises Limit
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$100,000
Equipment & Tools Coverage (Inland Marine)
Also known as “inland marine,” Equipment & Tools covers moveable property like mowers, edgers, and gardening supplies. Excludes any structures and items that are permanently fixed to a single location.
$5,000/yr.
$10,000/yr.
$25,000/yr.
Lawn Care Professional Liability
Also known as errors and omissions (E&O), this coverage protects you from financial losses resulting from mistakes or negligence in your services. This includes advice or consultation you offer to a customer that causes bodily or financial injury.
$25K per claim up to $50K total
$1K deductible
$15/mo or $180/yr.
Snow and Ice Removal
Liability coverage for lawn care businesses that perform residential snow removal services. This covers single-family homes, driveways, and small multi-family complexes. Services for commercial properties and public roads are not protected under Snow and Ice Removal coverage.
$217/mo. or $2,604/yr.
Pool and Pond Maintenance
Covers pool cleaning, chemical treatments, and basic pump and filter repairs. Pool and Pond Maintenance also protects you from expensive claims if you or an employee accidentally damages a client’s pool or equipment during service.
$20/mo. or $240/yr.
Pressure Washing
Protects landscaping businesses that service residential driveways, fences, patios, and exterior walls. However, the business must only use non-toxic, water-based chemicals and clean surfaces less than two stories tall.
$13/mo. or $156/yr.
Additional Insureds
Some lawn care jobs require temporarily adding contractors or clients to your policy as additional insureds. Pricing starts at just $0.83 per month, or $10 per year per insured. Also, if you use independent contractors to assist with jobs, the coverage requires that you are listed as an additional insured on their policy.
$0.83/mo. or $10/yr. (each additional insured)
Workers Compensation
Provides financial compensation for employees who suffer work-related illnesses or injuries, including lost wages, medical expenses, and rehabilitation. It also covers your legal fees if an employee sues you over a workplace injury or illness.
Surety Bonds
Bonds protect your clients from financial loss if you are unable to complete a contract. They also ensure you meet all legal requirements necessary for jobs.
Cyber Liability
Protects your business from financial loss caused by phishing scams, ransomware, and other cyberattacks. If your company processes payments and stores client information digitally, cyber liability is an essential part of securing your business.
Commercial Auto Coverage
Lawn care professionals typically rely on a fleet of vehicles to transport landscaping equipment and crew members. If an employee gets into an accident on the way to a job site, commercial auto coverage can cover third-party injuries and damages. Additionally, it also covers vandalism and theft of your equipment.
How Do I Get a Quote?
Getting fast, same-day coverage is easy with our quick online application. Simply follow these four easy steps:
- Head over to our online application
- Share essential info about your business
- Choose your coverage
- View your quote and buy!
FAQs About the Cost of Tree Service Insurance
Can I Get a Certificate of Insurance Immediately?
Yes, you’ll have immediate access to your COI after purchasing a policy. This helps you bid on jobs faster, impress clients, and can lead to more work opportunities.
Can I Add an Additional Insured to My Landscaping Program?
Yes, you can add an additional insured for $0.83 per month or $10 a year. This allows you to temporarily add clients, contractors, or HOAs to your policy if they request it.
Can I Add an Additional Insured to My Lawn Care Program?
Tree trimming insurance covers eligible pruning, shaping, and routine trimming work. If your services include tree removal or stump grinding, please call us at 844.520.6993 to discuss your coverage options
Still have questions regarding our policies? Feel free to reach out to our licensed insurance agents. We are available Monday through Friday from 8am–8pm ET.