Tree Service
Back to Tree ServiceCommercial Vehicle Insurance for Tree Service Companies
Your chip trucks, bucket trucks, pickups and trailers carry your crew and equipment from job to job. Commercial auto insurance helps protect those vehicles and your business when an accident happens on the road. Personal auto policies often limit or exclude coverage for vehicles used mainly for business.
What It Covers
Liability Coverage
Helps pay for injuries to others and damage to their property when your truck or driver is at fault, such as rear-ending a car while towing a chipper.
Collision
Helps pay to repair or replace your truck after a collision with another vehicle or object, after your deductible.
Comprehensive
Helps cover damage from events other than a collision, such as theft, vandalism, fire or a tree limb falling on a parked truck during a storm.
Trailers and Towed Equipment
Liability typically extends to trailers and chippers towed by a covered vehicle. Physical damage to the trailer or chipper usually needs to be listed on the policy or covered separately.
Who Needs It
- Tree services that own or lease chip trucks, dump trucks, log trucks or bucket trucks.
- Crews that tow chippers, stump grinders or equipment trailers between job sites.
- Owners and employees who use pickups, including personal vehicles, for estimates and job site runs.
Optional Coverages
- Hired & Non-Owned AutoHelps protect your business when you rent a truck for a big job or storm work, or when employees drive their own cars for business.
- Rental ReimbursementMay help pay for a replacement vehicle while a covered work truck is being repaired after a claim.
- Towing and LaborCan help with towing and on-site labor costs if a work truck breaks down, which can be costly for heavy vehicles.
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
Is my chipper covered when I tow it?
Liability coverage typically extends to a trailer or chipper while it is attached to a covered vehicle. Damage to the chipper itself is a different matter: it usually needs to be listed on your auto policy or covered under a tools and equipment policy. Our agents can help you make sure it is not left out of both.
Is the boom on my bucket truck covered?
The truck is covered under your commercial auto policy, but carriers treat the aerial lift and the work done from it in different ways. Liability while the bucket is in use may fall under your auto or your general liability policy, and some policies limit it. It is worth reviewing this with an agent so the boom and its operation are not left uncovered.
Can I use my personal pickup for tree jobs?
Personal auto policies often limit or exclude coverage when a vehicle is used mainly for business, hauls equipment or is owned by a company. If your pickup tows a chipper or carries your crew and gear every day, a commercial auto policy is usually the better fit.
Ready to Get Started?
Get a personalized Commercial Vehicles quote or speak with one of our experienced agents.