Tree Trimmer Insurance
Tree service application

Tree trimming insurance quote

One application for general liability, with optional commercial auto and equipment coverage. It takes about 10 minutes. Have your gross sales, payroll and a rough list of your equipment handy.

1. Your business
2. Coverage you want

General liability

Covers a claim that your work caused bodily injury or property damage to someone else. Example: a limb falls on a customer's roof or a neighbor's car.

INCLUDED
General liability limit (per occurrence / aggregate)

Coverage for your tools and equipment

General liability does not cover your own equipment. This covers it if it is stolen or damaged.

3. The work you do
Check every operation that applies

Annual payroll for each operation

Carriers rate each type of work separately. A best estimate is fine. Enter 0 if only owners do that work.

Check an operation above, or add your own below.

How do you work on trees?
4. Sales, owners and payroll

Total revenue for a year, before expenses. Use a projection if you are new.

Residential 70%Commercial 30%

Count only owners who do the physical work in the field. Do not include owners who only do clerical work, like answering phones, scheduling or bookkeeping.

Wages paid to employees in a year, not counting owners. Enter 0 if none.

5. Subcontractors
15 Yes/No questions left to answer on this form

Do you use any independent subcontractors (1099)?

6. Licensing and chemicals

Is anyone in the business an ISA Certified Arborist?

Are you a licensed herbicide / pesticide applicator?

Do you apply any chemicals (herbicides, pesticides, fungicides, fertilizers)?

Do you manufacture or sell any chemicals?

7. Equipment and job sites
What equipment do you use?
Do you do any landscaping or tree removal alongside any of these?

Pick every one that applies. If none apply, you must click "None of these".

Click one of the options above, or this box
8. A few more questions
15 Yes/No questions left to answer on this form

Are you working in New York, or would you consider working there?

Do you do any digging?

Stump grinding below grade, planting, trenching, irrigation.

Do you ever work near electrical wires?

Do you perform utility line clearance work?

Do you use cranes for any tree work?

Do you do any out-of-state storm clean-up work?

Have you ever been contracted by a government agency to perform storm clean-up?

Are you contracted by any municipality to perform roadside tree trimming?

Do you use explosives?

Have you had any liability claims in the past 5 years?

Answer the 15 remaining Yes/No questions above to continue.