Tree Service
Back to Tree ServiceWorkers’ Compensation for Tree Service Companies
Tree work is some of the most physically demanding and dangerous work there is, from climbing and rigging to running chainsaws and chippers. Workers’ compensation helps pay for medical care and lost wages when a crew member is hurt on the job. New York law requires most employers to carry workers’ compensation, and because tree work is a high-risk class, premiums are typically higher than for many other trades.
What It Covers
Medical Care
Helps pay for treatment of work injuries, such as a climber hurt in a fall, a chainsaw cut or a ground worker struck by a falling limb.
Lost Wages
Provides partial wage replacement while an injured employee cannot work, or can only work in a limited way, during recovery.
Rehabilitation
May help cover physical therapy and other rehabilitation so an injured crew member can recover and return to work.
Employer’s Liability
Helps protect your business if it is sued in connection with an employee’s work injury, including legal defense costs, subject to your policy terms.
Who Needs It
- Tree services with climbers, ground workers, equipment operators or seasonal crews.
- Businesses that hire extra help for storm cleanup or busy seasons.
- Tree companies that need proof of workers’ compensation for municipal, commercial or contractor jobs.
Optional Coverages
- Waiver of SubrogationOften required by contracts, this endorsement limits the carrier’s right to recover claim costs from a client or other party named in the agreement.
- Other States CoverageCan extend protection when your crew travels to work temporarily in other states, for example after a major storm.
- Voluntary CompensationCan provide workers’ compensation-style benefits to people who are not required to be covered by law, such as certain owners or officers.
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
Why is workers’ compensation so expensive for tree services?
Premiums are typically based on your payroll and the job classifications of your employees. Tree trimming and removal are classified as high-risk work, so rates are usually higher than for many other trades. Accurate job classifications, a good safety program and a clean claims history may help keep costs down over time.
Do I need it if I only use day laborers or subcontractors?
In most cases, yes. New York law requires most employers to carry workers’ compensation, including for part-time and temporary workers. If a subcontractor does not carry their own coverage, their workers may be counted as your employees at audit, so it is important to collect certificates of insurance from the subcontractors you hire.
Am I covered as the owner?
It depends on how your business is set up. In some cases, owners or officers can choose whether to include or exclude themselves from coverage. Our agents can help you understand the options for your situation.
Ready to Get Started?
Get a personalized Workers’ Compensation quote or speak with one of our experienced agents.