Tree Service
Back to Tree ServiceGeneral Liability for Tree Service Companies
Tree work happens close to homes, cars, fences, power lines and people, so one falling limb can turn into a costly claim. General liability helps protect your tree service business when a client, neighbor or passerby says your work injured them or damaged their property. Many homeowners, property managers and municipalities also ask for proof of it before you start a job.
What It Covers
Damage to Client and Neighbor Property
Helps pay for claims when a limb or trunk falls on a client’s roof, a parked car, a fence or a neighbor’s shed while your crew is working.
Injuries to Third Parties
Helps with claims when a homeowner, pedestrian or other passerby is hurt by falling debris, flying wood chips or equipment at your job site.
Completed Operations
May help if work you already finished, such as a pruned limb or a cabled tree, later fails and causes injury or damage.
Legal Defense Costs
Typically pays for attorneys and court costs to defend a covered claim, even if the claim turns out to be groundless.
Who Needs It
- Tree trimming, pruning and removal companies working at homes and commercial properties.
- Stump grinding and land clearing operations working near buildings, driveways and buried utilities.
- Tree services that need a certificate of insurance for municipal, property management or storm cleanup work.
Optional Coverages
- Additional Insured EndorsementExtends coverage to a client, property manager, town or general contractor that asks to be named on your policy.
- Care, Custody or ControlMany policies limit coverage for property you are working on or handling. This endorsement, where available, can help close that gap.
- Commercial UmbrellaA separate policy that adds extra liability limits above your general liability 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
Am I covered if a tree we are removing falls on a client’s house?
Damage to a client’s or neighbor’s property is the kind of claim general liability is designed for, subject to your policy terms. Some policies written for tree work include limits or exclusions, for example for crane work, work above a certain height or property in your care, custody or control. Our agents can review these terms with you before you buy.
What if we hit an underground line while grinding a stump?
Damage to buried utilities, irrigation lines or cables can lead to expensive claims. Some general liability policies exclude or limit underground damage, so it is worth checking how your policy handles it. Calling for a utility locate before you dig or grind can also help prevent these losses.
Does general liability cover my climber if he gets hurt?
No. Injuries to your own employees are typically covered by workers’ compensation, not general liability. General liability is designed for claims made by third parties, such as clients, neighbors and passersby.
Ready to Get Started?
Get a personalized General Liability quote or speak with one of our experienced agents.