How Tree Service Companies Choose the Right Business Insurance
- Feb 5
- 2 min read
Running a tree service company comes with inherent risks—from falling branches and chainsaws to heavy equipment accidents. Choosing the right business insurance is essential to protect your employees, clients, and assets. Selecting coverage that matches your operations ensures compliance with state regulations and safeguards your financial future.
Step 1: Assess Your Business Risks
Before selecting insurance, tree service companies must evaluate the specific risks associated with their work. Key factors include:
The types of services offered (tree removal, trimming, stump grinding)
Number of employees and crews
Equipment and vehicle inventory
Typical job site hazards
Understanding these risks helps determine the coverage types and limits needed. For guidance on identifying contractor risks, consult the Small Business Administration resource for business insurance.
Step 2: Determine Required Insurance Coverage
Tree service companies typically need a combination of policies:
General Liability Insurance – Protects against third-party property damage or injury claims.
Workers’ Compensation Insurance – Mandatory in most states for businesses with employees.
Commercial Auto Insurance – Covers trucks, trailers, and equipment transport.
Equipment and Tools Coverage – Safeguards chainsaws, chippers, and cranes.
Professional Liability Insurance – Covers mistakes or negligence claims.
Each policy should be tailored to your business size, location, and the type of work performed.
Step 3: Compare Providers and Quotes
When choosing a provider, tree service companies should look for:
Experience in contractor and tree service insurance
Ability to customize policies
Competitive premiums without sacrificing coverage
Reliable claims support
Working with a specialist ensures you receive a quote tailored to your business, rather than a generic plan. For tree service contractors, Wexford Insurance provides customized policies and fast online quotes.
Step 4: Review and Adjust Coverage Regularly
Tree service companies grow and change over time. Vehicles, equipment, or services may increase risk exposure, requiring higher coverage limits. Regularly reviewing your policy ensures continuous protection and compliance with evolving state insurance requirements.
