Tree service business insurance averages $155 monthly, ranging from $191 to $225 based on coverage types and your state location.
Get matched with cheap tree service business insurance below.
Updated: February 2, 2026
Advertising & Editorial Disclosure
Tree service business insurance costs $2,295 to $2,699 annually on average, varying by coverage type, state and sub-industry.
Your tree service insurance premiums vary based on location, claims history, types of properties you service and total employee count.
Shop multiple business insurers, bundle coverage, raise deductibles and pay annually to reduce tree service business insurance costs.
Average business insurance costs for tree service companies for commonly needed coverage:
| BOP | $192 | $2,306 |
| General Liability | $131 | $1,567 |
| Professional Liability (E&O) | $75 | $906 |
| Workers' Comp | $221 | $2,658 |
*We based these rates on small businesses with two employees across 79 major industries, focusing on four coverage types: general liability, professional liability/errors and omissions (E&O), workers' comp and business owner's policy. Your actual rates will vary based on your specific business factors and location.
Select your industry and state to get a customized quote.
General liability costs for tree service businesses vary by state. Maine has the lowest rates at $113 monthly, compared to the $131 national average. Louisiana charges $153 monthly.
| Alabama | $126 | $1,513 |
| Alaska | $124 | $1,483 |
| Arizona | $124 | $1,484 |
| Arkansas | $125 | $1,501 |
| California | $145 | $1,743 |
| Colorado | $129 | $1,552 |
| Connecticut | $142 | $1,701 |
| Delaware | $138 | $1,658 |
| Florida | $141 | $1,694 |
| Georgia | $132 | $1,590 |
| Hawaii | $144 | $1,733 |
| Idaho | $124 | $1,484 |
| Illinois | $143 | $1,718 |
| Indiana | $127 | $1,526 |
| Iowa | $124 | $1,490 |
| Kansas | $127 | $1,520 |
| Kentucky | $121 | $1,454 |
| Louisiana | $153 | $1,833 |
| Maine | $113 | $1,355 |
| Maryland | $124 | $1,493 |
| Massachusetts | $137 | $1,642 |
| Michigan | $124 | $1,482 |
| Minnesota | $122 | $1,468 |
| Mississippi | $131 | $1,572 |
| Missouri | $127 | $1,526 |
| Montana | $130 | $1,558 |
| Nebraska | $123 | $1,480 |
| Nevada | $148 | $1,775 |
| New Hampshire | $130 | $1,556 |
| New Jersey | $148 | $1,774 |
| New Mexico | $131 | $1,574 |
| New York | $152 | $1,822 |
| North Carolina | $113 | $1,355 |
| North Dakota | $113 | $1,360 |
| Ohio | $121 | $1,452 |
| Oklahoma | $126 | $1,508 |
| Oregon | $121 | $1,454 |
| Pennsylvania | $151 | $1,807 |
| Rhode Island | $143 | $1,720 |
| South Carolina | $134 | $1,612 |
| South Dakota | $122 | $1,463 |
| Tennessee | $127 | $1,526 |
| Texas | $132 | $1,579 |
| Utah | $124 | $1,490 |
| Vermont | $125 | $1,502 |
| Virginia | $119 | $1,425 |
| Washington | $148 | $1,780 |
| West Virginia | $137 | $1,642 |
| Wisconsin | $128 | $1,536 |
| Wyoming | $121 | $1,447 |
*These general liability rates reflect tree service businesses with two employees across different states. Your rates depend on your location, claims history and the services you provide.
Workers' compensation insurance costs for tree service businesses differ by state. North Carolina tree service owners pay around $191 monthly. Pennsylvania businesses pay around $254 monthly. State regulations and regional claim histories drive these pricing differences.
| Alabama | $218 |
| Alaska | $200 |
| Arizona | $209 |
| Arkansas | $214 |
| California | $247 |
| Colorado | $219 |
| Connecticut | $240 |
| Delaware | $238 |
| Florida | $238 |
| Georgia | $224 |
| Hawaii | $231 |
| Idaho | $208 |
| Illinois | $243 |
| Indiana | $215 |
| Iowa | $210 |
| Kansas | $216 |
| Kentucky | $207 |
| Louisiana | $251 |
| Maine | $191 |
| Maryland | $212 |
| Massachusetts | $232 |
| Michigan | $207 |
| Minnesota | $208 |
| Mississippi | $224 |
| Missouri | $220 |
| Montana | $218 |
| Nebraska | $209 |
| Nevada | $252 |
| New Hampshire | $220 |
| New Jersey | $251 |
| New Mexico | $223 |
| New York | $253 |
| North Carolina | $191 |
| Oklahoma | $208 |
| Oregon | $206 |
| Pennsylvania | $254 |
| Rhode Island | $244 |
| South Carolina | $226 |
| South Dakota | $205 |
| Tennessee | $216 |
| Texas | $222 |
| Utah | $212 |
| Vermont | $213 |
| Virginia | $201 |
| West Virginia | $232 |
| Wisconsin | $218 |
*We based these workers' comp rates on tree service businesses with two employees across different states. Your workers' comp requirements and costs will vary by state since each has different regulations.
Tree service businesses pay an average of $75 per month for professional liability insurance. North Carolina has the lowest rates at $65 monthly, while Pennsylvania has the highest at $88 monthly.
| Alabama | $74 |
| Alaska | $67 |
| Arizona | $73 |
| Arkansas | $72 |
| California | $86 |
| Colorado | $74 |
| Connecticut | $82 |
| Delaware | $82 |
| Florida | $82 |
| Georgia | $77 |
| Hawaii | $80 |
| Idaho | $71 |
| Illinois | $82 |
| Indiana | $75 |
| Iowa | $70 |
| Kansas | $73 |
| Kentucky | $70 |
| Louisiana | $85 |
| Maine | $66 |
| Maryland | $72 |
| Massachusetts | $80 |
| Michigan | $72 |
| Minnesota | $72 |
| Mississippi | $78 |
| Missouri | $76 |
| Montana | $75 |
| Nebraska | $71 |
| Nevada | $86 |
| New Hampshire | $75 |
| New Jersey | $85 |
| New Mexico | $75 |
| New York | $85 |
| North Carolina | $65 |
| North Dakota | $65 |
| Ohio | $69 |
| Oklahoma | $72 |
| Oregon | $70 |
| Pennsylvania | $88 |
| Rhode Island | $84 |
| South Carolina | $77 |
| South Dakota | $70 |
| Tennessee | $73 |
| Texas | $75 |
| Utah | $73 |
| Vermont | $73 |
| Virginia | $70 |
| Washington | $86 |
| West Virginia | $79 |
| Wisconsin | $75 |
| Wyoming | $68 |
*We based these professional liability rates on tree service businesses with two employees across different states. Your actual rates will depend on your services offered and location.
Business owner's policy (BOP) costs vary most by state for tree service businesses. BOP insurance costs range from $164 in North Dakota to $225 in Washington.
| Alabama | $184 |
| Alaska | $183 |
| Arizona | $181 |
| Arkansas | $184 |
| California | $214 |
| Colorado | $191 |
| Connecticut | $212 |
| Delaware | $200 |
| Florida | $210 |
| Georgia | $193 |
| Hawaii | $212 |
| Idaho | $183 |
| Illinois | $208 |
| Indiana | $193 |
| Iowa | $181 |
| Kansas | $185 |
| Kentucky | $181 |
| Louisiana | $224 |
| Maine | $165 |
| Maryland | $182 |
| Massachusetts | $200 |
| Michigan | $184 |
| Minnesota | $177 |
| Mississippi | $194 |
| Missouri | $184 |
| Montana | $190 |
| Nebraska | $182 |
| Nevada | $221 |
| New Hampshire | $192 |
| New Jersey | $216 |
| New Mexico | $191 |
| New York | $222 |
| North Carolina | $166 |
| North Dakota | $164 |
| Ohio | $180 |
| Oklahoma | $180 |
| Oregon | $181 |
| Pennsylvania | $223 |
| Rhode Island | $210 |
| South Carolina | $198 |
| South Dakota | $181 |
| Tennessee | $193 |
| Texas | $192 |
| Utah | $185 |
| Vermont | $182 |
| Virginia | $174 |
| Washington | $225 |
| West Virginia | $201 |
| Wisconsin | $187 |
| Wyoming | $177 |
*These BOP rates reflect tree service businesses with two employees across different states. Your rates depend on your business size, location and coverage needs.
Tree service business insurance costs $100 to $232 monthly by provider. Each insurer prices policies based on their target markets and profit goals.
| Chubb | $186 | $2,226 |
| Coverdash | $170 | $2,045 |
| ERGO NEXT | $133 | $1,599 |
| Hiscox | $162 | $1,947 |
| Nationwide | $133 | $1,592 |
| Progressive Commercial | $153 | $1,841 |
| Simply Business | $232 | $2,780 |
| The Hartford | $130 | $1,554 |
| Thimble | $100 | $1,203 |
| biBERK | $136 | $1,629 |
Tree service business insurance costs depend on multiple factors insurers review when setting premiums.
Tree density and storm frequency affect your demand and risk. Companies in wooded areas prone to hurricanes or ice storms handle more emergency removals with greater hazards than companies in dry climates.
Tree work is one of the deadliest jobs due to falls, electrocution and struck-by hazards. Claims involving worker deaths, property damage from falling limbs or power line contact will raise your costs for years.
Trimming backyard trees creates manageable risk for experienced crews. Municipal contracts, utility line clearance or work near commercial buildings add power lines, traffic and expensive property that raise your liability.
Climbers and ground crews work at dangerous heights with equipment and falling debris. Workers' comp rates for tree services rank among the highest of any trade because of extreme injury risk.
Trimming and brush removal carry lower risk. Emergency storm work, crane-assisted removals or utility infrastructure work need higher coverage limits.
Job frequency and crew deployment affect your claim odds. Small operations completing 100 jobs annually for $140,000 get different rates than established companies running multiple crews billing $650,000 across commercial contracts.
Property damage from dropping large sections or wrong felling can hit six figures fast. $1 million in liability covers many residential jobs, but municipal work and utility contracts need $2-5 million for worst-case protection.
Bucket trucks, chippers, stump grinders and rigging gear cost serious money. Companies operating cranes and extensive equipment need far more property protection than startups using climbing gear and chainsaws.
ISA certifications and safety training show underwriters you're professional. Companies with certified arborists, formal safety protocols and clean OSHA records get better rates than those without risk management programs.
Cutting insurance costs for your tree service business needs comparison shopping and solid risk management. Follow these steps to get affordable coverage and improve your risk profile.
Tree service companies need general liability for falling branches, property damage and power line strikes. Add professional liability for wrong pruning or tree assessments and workers' comp for climbers who get injured from falls and chainsaws.
Add commercial auto for trucks and chippers, inland marine for expensive equipment (aerial lifts and stump grinders), completed operations for trees that fail after removal, and excess liability. Tree damage claims often exceed standard limits.
Tree service premiums rank among contractor industry highs. Your rates vary based on whether you do residential pruning, hazardous tree removal or work near power lines.
Arborist insurers know ISA certifications, ANSI standards and the extreme risks of working at heights with chainsaws. General carriers don't get these risks.
Combine general liability, commercial auto and equipment coverage to save 19% to 27% compared to buying separately. Many insurers offer tree service packages including excess liability and professional liability at reduced bundle rates.
Higher equipment deductibles of $2,500 to $5,000 cut premiums 20% to 28%. But bucket trucks and chippers cost thousands to fix or replace, so balance the savings against what you'd pay out of pocket. Keep general liability deductibles low because property damage from falling trees, power line contacts or equipment accidents can cost six figures.
Monthly installment plans add 6% to 12% in processing fees. On an $18,000 tree service policy, that's $1,080 to $2,160 extra annually. Paying annually eliminates these charges and earns 5% to 9% discounts from arborist carriers.
Review your policy when you hire climbers, add crane services or stump grinding, or buy bucket trucks and aerial equipment that need higher limits. ISA certifications, strong safety programs or zero claims can cut your premiums.
Most tree service businesses pay $191 to $225 monthly for insurance, depending on location, claims history and business size. To save money, shop multiple quotes, bundle policies, raise your deductible and pay annually instead of monthly.
Tree service business owners commonly ask about insurance costs. We answered the most frequent questions below:
Professional liability (E&O) coverage is the cheapest at $75 monthly, but it only covers errors in professional services. Most tree service companies need general liability coverage ($131 monthly) since it protects against customer injuries and property damage claims.
You'll pay more in these states. General liability in California runs $145 monthly (vs. $131 national average), and BOP costs $214 monthly (vs. $192 average). New York is similar at $152 and $222, respectively.
Bundling multiple policies with one insurer saves more money than buying coverage separately. You'll get discounts when you combine commercial auto, general liability and commercial property coverage.
Tree service businesses pay higher premiums due to elevated injury risks, expensive equipment, hazardous working conditions, previous claims history, larger crews and operations near power lines or valuable property.
Higher deductibles reduce your monthly premiums but increase your out-of-pocket costs when you file a claim. Choose based on your available cash and how often you expect to file claims.
Workers' compensation for tree service businesses ranges from $191 monthly in North Carolina to $254 monthly in Pennsylvania.
Yes. BOP costs around $192 monthly and bundles general liability, commercial property and business interruption coverage. This saves you money compared to buying individual policies while protecting your operations.
Shop at renewal time each year. Compare quotes from multiple insurers to find savings, especially after adding employees or expanding your services.
We collected tree service business insurance quotes from companies across different states. For consistent comparisons, every quote used the same business setup:
We used a typical small tree service business profile requiring comprehensive coverage and chose companies offering broad national coverage and online quote capabilities, prioritizing insurers serving the tree service industry.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
