For tree service owners
What insurance does a tree service usually need?
Short answer
Many tree companies carry general liability. Companies with workers usually need workers' compensation, and a truck used for work needs commercial auto cover. Equipment cover may also be wise. Requirements differ by state, so ask a licensed insurance agent.
By Umair Nawaz. Published October 25, 2026. General information, not legal, tax or insurance advice.
The longer answer
Tree work can hurt people and damage property in a second, so cover matters. These are the kinds of policy owners ask about.
General liability pays when your work damages a customer's property or injures someone who is not your worker. Workers' compensation pays for a worker who is hurt on the job, and most states require it once you have employees. Commercial auto covers vehicles used for the business. Equipment cover can protect chippers, grinders and tools.
Policies differ in what they exclude. Some limit work near power lines, crane work or tall removals. Read the exclusions and ask the agent to explain them in simple words. We do not sell insurance. Rules differ by state; see /tree-service-license for your state's official sources. This is a short explanation, not legal advice. Check with your state, county and city, and ask your own insurance agent or an attorney about your case.
More answers for owners
- What is a certificate of insurance, and when will a customer ask for one?Read the answer
- What is a job ticket and how do I use one for tree work?Read the answer
- What is a tailgate safety meeting for a tree crew?Read the answer
- What is GEO and does a tree service need it?Read the answer
- What is the right way to handle a customer who wants to help?Read the answer
- What office tools does a small tree service need?Read the answer
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