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Tree Service Insurance

Name: Tree Service Insurance
Brand: Insurance Canopy
Rating: 4.8 (520 reviews)

Starting At

$31/ month

or save up to 12% with annual payments

Rated 4.8 out of 5

4.8/5 on

Why Do Tree Service Businesses Need Insurance?

For those unexpected snips and slips, tree service businesses need insurance to safeguard against costly damages or injuries. With the right coverage, you can confidently focus on making outdoor spaces beautiful without worrying about financial pitfalls from unforeseen accidents.

If a falling branch damages a client’s roof

General liability coverage pays for the repairs.

If someone gets injured by a dropped tool

Look out below! 😩 General liability coverage takes care of accidents on the job.

If a client disputes your service quality

Lawsuits can be pricey; let us cover the defense costs.

If an expensive chainsaw is stolen

We’ll get it replaced in no time!

If a fire destroys your warehouse

Bad luck hits the best of us. We’ll handle the damages.

*Please note: Insurance Canopy’s coverage applies solely to tree trimming done from the ground.

Valley Custom Lawn Services for Insurance Canopy

How Much Does Tree Service Insurance Cost?

Tree service insurance with Insurance Canopy starts at just $31 per month. Our competitive coverage is tailored to your needs, and understanding the factors that influence your total premium costs can help you make the best choice for your protection.

Through our 100% online application, you can get a no-hassle quote based on your business needs in less than 5 minutes. It’s that easy!

Save when you choose annual!

Why juggle monthly payments when you can take care of it all at once? Save 12% by paying upfront for the year, and have peace of mind that your tree service insurance is all set.

What Does Tree Trimming Insurance Cover?

Our tree trimming insurance covers everything from ground-level accidents to equipment damage. This coverage even includes landscaping insurance, so you have protection for every kind of job.

Included

General Liability Coverage

Property damage and third-party bodily injury claims are the most common in the tree service industry. General liability insurance for tree service businesses cover all of these scenarios and more. For instance, if a client or passerby is injured by a falling tree branch while you’re trimming, general liability insurance can help cover medical expenses and legal costs associated with the incident. However, it’s important to note that this coverage does not extend to injuries sustained by you or your employees—it only covers your clients and third parties.

Add-Ons

Trailer & Equipment Coverage

Trailer and equipment coverage, often referred to as inland marine insurance, is here to keep your essential gear safe and sound. If your detached trailer gets stolen or if your tools get accidentally damaged, this coverage provides financial support for repair or replacement costs

Tree Service Surety Bonds

Surety bonds are essential for tree service businesses, as they protect your operations and build client confidence. This bond involves three main parties: the landscaping contractor (you!), the client, and the surety company, which guarantees your compliance with the contract terms.

While not always obligatory, many regions require surety bonds for legal tree service work. After obtaining your tree service insurance policy, you can conveniently purchase your bond via your customer dashboard.

Types of bonds we offer:

Business Service Bonds
License & Permit Bonds
Contractor Bonds
Custom Pesticide Applicator

Additional Insureds

An additional insureds refers to an individual or entity added to your policy for extended coverage in specific situations. Clients or organizations hiring tree service professionals often require this to shield themselves from potential liability if something goes wrong during the job.

For instance, when a property owner hires a tree service company to remove a hazardous tree, they may request to be added as an additional insured to ensure protection against property damage or injury. Similarly, a city might ask to be included when contracting tree services to trim branches near roads or public spaces, providing coverage in case the work leads to an accident or damage to municipal property. This arrangement protects the tree service provider and the client if any unexpected issues arise.

Cyber Liability Coverage

Gathering emails for digital marketing? Housing client addresses online? If you use digital means to conduct any part of your tree-trimming business, Cyber Liability coverage can help you with:

Data Breach Notification Costs
Customer Data Loss
Ransomware and Cyber Extortion
Legal Fees
Business Interruption Fees

Workers Compensation Coverage

Workers compensation for tree service businesses provides the coverage your employees need if they’re hurt on the job. From chainsaw cuts and falling branches to muscle strains from hauling heavy limbs or slips on uneven ground, injuries can happen fast. Workers comp helps cover eligible medical bills and lost wages when they do.

Not only is it required in most states, but it also gives your crew the confidence to focus on the job, knowing you’ve got their back if something goes wrong.

Commercial Auto Coverage

For tree service businesses, reliable commercial auto insurance is key. Your trucks and trailers carry heavy tools, haul branches, and get your crew members between job sites. But one accident — a sudden stop, a distracted driver, or a load shift — can cause serious damage.

Commercial auto covers repairs, medical bills, and liability, keeping your business moving. Note: personal auto policies don’t cover accidents that occur while on the clock, so most states require proper commercial auto coverage.

Coverage Limits for Tree Service Business Insurance

Maximum Tree Service Liability Insurance Limits

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.

$2,000,000

Each Occurrence Limit

The maximum your policy will pay for a bodily injury or property damage claim that you become 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 libels 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

$1,000,000

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

Optional Coverage Options

Tools & Equipment Coverage

Limits

Premium

Deductible

$5,000 Policy Year

$155

$500

$10,000 Policy Year

$258

$25,000 Policy Year

$670

Specific Questions? We’re on it.

Our licensed agents are available to answer any questions you may have!

(se habla español)

Why Tree Trimmers are Choosing Insurance Canopy

Because they realize that protecting their assets with us is a ‘mow-brainer’! Hundreds of small tree service businesses like yours continue to rake in the benefits and avoid the risk of getting caught in the weeds.

Affordable & Transparent Policies

Our policies are clear and straightforward, with no hidden surprises—providing reliable protection for your tree service business.

Tailored for Small Businesses Like You

We’re aware of the unique risks tree trimmers face. Our coverage is designed to protect your expertise and support your business as it grows.

100% Online With Human Expert Support

Manage everything online with ease, while having expert 1:1 support when you need it. We’re here to assist you every step of the way.

100,000+ Small Businesses Trust Insurance Canopy

They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

Evergreen Multiservices
February 2, 2026

Extremely user friendly website, super affordable and very little time needed to apply.

Carl Sari
January 31, 2026

Excellent company, Great service, the best!!!

Claudina Adams
January 15, 2026
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

Alex
January 5, 2026

Really went the extra mile to find the appropriate coverage for my business.

Daisy B
January 2, 2026

Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

Andy Anderson
December 22, 2025
Easy. Convenient. Trustworthy. Came thru in a moments notice

Eddie K
December 19, 2025

Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

Peter Flessas
December 14, 2025

So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

Yuri Gonzalez
December 11, 2025
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

Jacob Serrano
December 6, 2025

Great experience, quick and easy to understand with what I needed for my business. Highly recommend!

FrankLynn Rae
October 28, 2025

Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.

Maria Ciccone
October 19, 2025
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins

stan zizka
October 5, 2025

Getting a vendor policy was quick and fairly priced compared to other quotes.

Kristine Fullerton
October 3, 2025

Thank you so much

Steve Monreal
July 11, 2025
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More

Jamie Calaway
July 4, 2025

Very easy & quick experience. We got insurance in no time with no hassle. Thank you!

Robert Earnest
July 4, 2025

I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More

Deloris Pacheco
June 27, 2025
Very easy to renew policy

Elyce Nissinoff
June 18, 2025

Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.

queenkiam
June 18, 2025

Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More

Anthony Burgess
June 18, 2025
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More

Michael Riley
June 18, 2025

Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend

Jay Solis
June 18, 2025

What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!

Masha Rusanov
June 18, 2025
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More

Gretje Angell
June 18, 2025

Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.

David Fox
May 18, 2025

They can help.you with the right Insurance you need, and the lowest price

Alvaro Baltazar
May 18, 2025
everything is excellent

Radames Martinez
May 18, 2025

Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!

Ishan Arvin
May 18, 2025

Affordable for dance & yoga folk. Thumbs up!

Maia Claire
May 18, 2025

They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.

Evergreen Multiservices
February 2, 2026
Extremely user friendly website, super affordable and very little time needed to apply.

Carl Sari
January 31, 2026
Excellent company, Great service, the best!!!

Claudina Adams
January 15, 2026
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs

Alex
January 5, 2026
Really went the extra mile to find the appropriate coverage for my business.

Daisy B
January 2, 2026
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!

Andy Anderson
December 22, 2025
Easy. Convenient. Trustworthy. Came thru in a moments notice

Eddie K
December 19, 2025
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.

Peter Flessas
December 14, 2025
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs

Yuri Gonzalez
December 11, 2025
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!

Jacob Serrano
December 6, 2025

Questions About Tree Service Insurance

Is my tree service insurance policy effective immediately?

Yes. As it should be!

With Insurance Canopy, your tree service insurance policy can be effective immediately upon purchase. You’ll receive instant coverage confirmation and your Certificate of Insurance (COI) as soon as you complete the online application and payment—allowing you to get back to work without skipping a beat.

Our insurance is designed for ground-based tree trimming operations only.

Can I cancel my tree service policy at any time?

You can cancel your tree service business insurance with Insurance Canopy anytime.

While your plan offers flexibility to cancel, please note there is no money-back guarantee on months you have already paid for. At Insurance Canopy, once you’re covered, you’re covered—our policies are 100% non-refundable. That means, in general, once your policy starts, you can’t cancel it for a refund. However, there are a few rare exceptions.

The one major exception is if one of our compliance officers decides your business doesn’t meet our policy standards within three business days of purchase. In that case, it’s like your policy never existed, and you’ll get a full refund.

How do I file a tree service claim?

Filing claims with Insurance Canopy is easy! Here’s the fastest route to success:

🖥️ Log in to your dashboard
🧐 Find “Manage Policies”
📂 Click on “File a Claim” and share your info

Once you’re done, a trusty claims adjuster will swoop in to assist you. They’ll be with you every step of the way to ensure the claims process goes smoothly. In the meantime, if you have any questions or need assistance, please reach out.

Note: If you file a claim after canceling your insurance, you won’t be covered unless your policy is active when the incident occurs. Insurance only offers protection while your policy is active, so make sure you have continuous coverage to stay protected! Our support team is here to help any time. If you have any questions or need assistance, please reach out.

How do I renew my tree service insurance policy?

Insurance for tree trimmers doesn’t get easier than this. Our EZ-Renew feature automatically refreshes your policy annually, ensuring that your coverage won’t miss a beat. This removes the stress of a claim occurring while your policy isn’t active, which could leave you unprotected.

And don’t worry — we’ll email you a reminder before your policy refreshes, that way you always know when you’ll be billed. If you wish to opt out of EZ-Renew but still wish to continue your coverage, you only need to complete a new application when your policy is up. If your coverage needs to change, you can also adjust your policy by contacting our support team.

Our team is always ready to help answer your questions. Smile included.

Want to talk to a real person? We do that too.

Monday to Friday, 8 am – 8 pm EST
(se habla español)

Nature Waits for No One—Nor Should Your Coverage.