Tree Service
Back to Tree ServiceTools & Equipment Insurance for Tree Service Companies
Chainsaws, chippers, stump grinders and climbing gear are expensive, and they spend most of their time on trucks and job sites. Commercial inland marine coverage, often called a contractor’s equipment floater, helps protect the equipment that travels with your crew. It fills a gap left by property policies, which typically focus on property kept at your business location.
What It Covers
Chainsaws and Hand Tools
Helps protect chainsaws, pole saws, pruners and other tools against covered theft or damage at job sites, in your truck or at your yard.
Chippers and Stump Grinders
Coverage for larger equipment such as chippers, stump grinders, skid steers and mini loaders, often scheduled with a stated value.
Climbing and Rigging Gear
Can help replace ropes, harnesses, saddles, blocks and other rigging equipment lost to a covered event.
Equipment in Transit
Helps protect equipment while it is being hauled between your yard and job sites, such as a grinder damaged when a trailer overturns.
Who Needs It
- Tree services that leave chippers, grinders or loaders at job sites overnight.
- Climbers and crews that carry valuable saws and rigging gear in their trucks.
- Land clearing and stump grinding operations with heavy mobile equipment.
Optional Coverages
- Rented or Borrowed EquipmentMay cover equipment you rent or borrow, such as a larger chipper, stump grinder or aerial lift, while it is in your care.
- Equipment Rental ExpenseCan help pay to rent a replacement chipper or grinder while your covered equipment is being repaired or replaced.
- Employee ToolsCan extend coverage to saws and gear owned by your employees and used on your jobs.
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 if it is stolen from a job site?
Theft from a job site is one of the main reasons tree services buy equipment coverage, and an inland marine policy can help cover it, depending on your policy terms. Some policies require equipment to be locked, secured or fitted with anti-theft devices when left unattended. Our agents can explain any conditions before you buy.
Does it cover a chainsaw that just wears out?
Generally, no. Equipment policies are designed for sudden losses such as theft, fire, collision or a falling limb, not normal wear and tear or gradual mechanical breakdown. Regular maintenance is still the best protection against everyday wear.
Should I list each item or use blanket coverage?
Higher-value items such as chippers, grinders and loaders are often scheduled individually with a stated value. Saws, rigging gear and smaller tools may be covered under a blanket limit, sometimes with a per-item maximum. Our agents can help you choose the approach that fits your equipment.
Ready to Get Started?
Get a personalized Tools & Equipment quote or speak with one of our experienced agents.