What Kind of Insurance Do I Need for a Tree Service Business?
- Nate Jones, CPCU, ARM, CLCS, AU
- 6 days ago
- 2 min read
Updated: 3 days ago
Running a tree service business comes with unique risks—from falling branches and property damage to employee injuries and equipment theft. Whether you're just starting out or expanding your operations, having the right insurance coverage is essential to protect your business, your team, and your reputation.
At Wexford Insurance, we specialize in helping tree service contractors and arborists find tailored tree service business insurance. In this guide, we’ll break down the essential types of coverage you need and explain why working with an insurance provider that understands the tree care industry is critical.
Why Tree Service Businesses Need Specialized Insurance
Tree care involves hazardous work at heights, heavy equipment, and unpredictable environments. Without proper coverage, a single accident or claim could jeopardize your entire business. That’s why insurance isn’t just a formality—it’s a strategic investment in your company’s future.
Essential Insurance Coverages for Tree Service Contractors
Protects your business from third-party claims involving bodily injury or property damage—such as a falling limb damaging a client’s roof.
Required in most states, this coverage pays for medical expenses and lost wages if an employee is injured on the job.
Covers vehicles used for transporting crews and equipment, protecting against accidents, theft, and liability.
Protects your essential gear—chainsaws, stump grinders, climbing equipment—from theft, damage, or loss.
Covers your office, storage yard, and equipment from risks like fire, vandalism, and theft.
How Insurance Impacts Your Business Reputation and Contracts
Having proper insurance isn’t just about protection—it’s also about credibility. Many residential and commercial clients require proof of insurance before awarding contracts. Being insured shows that you’re professional, responsible, and prepared for the unexpected.
Let Wexford Insurance Help You Protect Your Tree Service Business
Choosing the right insurance coverage is one of the most important decisions you’ll make as a tree service business owner. At Wexford Insurance, we understand the tree care industry and work with top carriers to provide customized insurance solutions that fit your needs and budget.
Contact Wexford Insurance today to speak with a specialist who understands your business.
