Tree service contractors are an essential part of modern life, providing a much-needed service to keep our environment healthy and safe. However, they are at risk of liability due to the hazardous nature of their work. This is why tree service contractors need to have insurance to protect them from potential accidents and damages.

What Are the Different Kinds of Insurance for Tree Services?

When it comes to protecting your business from potential claims, tree services need to ensure they have the right insurance in place. Tree service businesses can be exposed to a variety of potential risks, from property damage to personal injury or even wrongful death. As a result, it’s important to understand the different types of insurance available to tree service businesses and how they can help protect your business and your customers.

The most common type of insurance for tree services is general liability insurance. This type of insurance covers any property damage or bodily injury while your business performs its services. This can include things like damage to a customer’s home, injuries to a customer or third party, or even wrongful death. State laws often require general liability insurance, so it’s important to ensure you have the right coverage.

In addition to general liability insurance, tree service businesses may also want to consider other types of insurance, such as errors and omissions insurance. This type of insurance covers any mistakes you make in your services, such as incorrect pruning or improper use of chemicals. Errors and omissions insurance can help protect you from potential lawsuits related to these mistakes.

Another important type of insurance for tree services is workers’ compensation insurance. This type of insurance covers any medical expenses and lost wages for employees who are injured while on the job. Workers’ compensation insurance is required in most states, and it’s important to make sure your tree service business is properly covered.

Finally, some tree service businesses may also want to consider commercial vehicle insurance. This type of insurance covers any damage to vehicles used in your business, including trucks, trailers, and other equipment. It’s important to make sure your commercial vehicle insurance is up to date, as it can help protect you from costly repairs or replacement costs.

Why Is It Important for Tree Services to Be Insured?

Insurance provides financial protection in case of an accident or injury while a tree service is providing their services. In some cases, the injured party may seek reimbursement for medical bills, lost wages, and other related expenses. Without insurance, the service provider would be liable for any resulting damages. 

In addition to protecting the service provider, insurance also provides protection for the customer. In the event of an incident, the customer would be covered for any property damage that may be caused by the tree service.

Finally, insurance is important for tree services to demonstrate their commitment to safety and professionalism. When customers see that a tree service is insured, they know that the service provider takes their work seriously and has taken the necessary steps to protect both themselves and the customer.


Tree services insurance is a must for any tree service company. It protects the company and its employees from liability in an accident. Choosing an insurance policy that covers the specific needs of your company.

If you are looking for tree trimming insurance, you can contact us at Pascal Burke Insurance Brokerage Inc. We offer various policies for general and specialty contractors. Get in touch with us to learn more about our offerings.