Tree Service
Back to Tree ServiceBusiness Owner’s Policy for Tree Service Companies
A Business Owner’s Policy (BOP) bundles general liability and commercial property coverage into one policy for small businesses. For tree services, eligibility varies: some carriers offer BOPs for smaller trimming and pruning operations, while many do not offer them for tree removal. If a BOP is not available, an agent may suggest separate policies that can provide similar or broader protection.
What It Covers
General Liability
Helps protect you from third-party claims of bodily injury and property damage, such as a falling limb damaging a client’s fence.
Shop or Yard Building
If you own your shop or garage, a BOP can help pay to repair or rebuild it after a covered loss such as fire or wind.
Business Personal Property
Covers office equipment, supplies and property kept at your shop or yard. Equipment that travels to job sites usually needs separate tools and equipment coverage.
Business Income
Can help replace lost income and pay ongoing expenses if a covered loss at your shop forces you to stop operating temporarily.
Who Needs It
- Smaller tree trimming and pruning businesses with lower-risk operations, depending on carrier eligibility.
- Tree care businesses that own or rent a shop, garage, yard or office.
- Companies that combine tree care with landscaping or lawn care services.
Optional Coverages
- Contractor’s Tools EndorsementSome BOPs offer a limited endorsement for tools taken to job sites. Larger equipment like chippers and grinders is usually better covered by a separate inland marine policy.
- Hired & Non-Owned AutoLiability protection when you or your employees drive rented or personal vehicles for business.
- Commercial UmbrellaA separate policy that adds extra liability limits above your BOP and commercial auto policies.
Working with us
How We Help
- 1
Tell Us What You Need
Share a few details about you, your property or your business. It only takes a few minutes, online or by phone.
- 2
We Shop the Market
As an independent brokerage, we compare options from multiple top-rated carriers to find the right fit.
- 3
Review and Get Covered
We walk you through your options in plain language, answer your questions and help you choose with confidence.
Frequently asked questions
Common Questions
Can a tree service get a BOP?
Sometimes. BOPs are designed for lower-risk small businesses, and many carriers do not offer them for tree removal operations. Eligibility often depends on the type of work, the height of the work, whether you use cranes or bucket trucks, and your revenue. If a BOP is not an option, our agents can compare separate general liability and property policies for you.
What does a BOP not cover?
A BOP usually does not include workers’ compensation or commercial auto, which are written as separate policies. Mobile equipment such as chippers and stump grinders may also need its own tools and equipment coverage.
Is a BOP better than buying separate policies?
For eligible businesses, a BOP can be a convenient way to combine core coverages in one policy. Tree services with higher-risk work or larger equipment often need separate policies with broader options or higher limits. Our agents can compare both approaches with you and explain the differences.
Ready to Get Started?
Get a personalized Business Owner’s Policy quote or speak with one of our experienced agents.