top

Mon – Fri | 6 a.m. – 5 p.m. PT

Tree Service Insurance

Save up to 30% on business insurance

Tree service insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the tree service insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include: 

  • General liability
  • Contractors’ E&O
  • Commercial auto
  • Tools and equipment
  • Commercial property
Get a Quote

Save up to 30% on tree service insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

We’ll help you get the tree service business insurance coverage you need

It’s all about managing your risk. See the different policies available for tree trimmers and save up to 10% when you bundle.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers a wide range of tree trimming accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and individual clients. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
General Liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Learn more
Contractors’ E&o

Contractors’ E&o

Bought by 80% of business owners like you
Errors and omissions insurance (also known as professional liability) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of failing to trim a dead branch that later falls and damages a client’s roof, it could help cover related expenses to defend yourself or redo the job.
Contractors’ E&o can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Learn more
Commercial Auto

Commercial Auto

For business owners who own or drive vehicles
Most states require commercial auto insurance for business-owned vehicles to help pay for medical expenses and property damage. Personal auto insurance usually won’t provide coverage if your work truck breaks down on the way to a project site and you need a tow.
Commercial Auto can help you pay for:
Medical expenses
Collision repairs
Rental reimbursement
Learn more
Tools & Equipment

Tools & Equipment

Protection for your gear and equipment
Tools and equipment coverage makes sure your tree trimming gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
Tools & Equipment can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Learn more
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property insurance can help protect your tree service business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.
Commercial Property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
Learn more
How much does insurance cost

How much does tree service insurance cost?

Tree service insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work
Get a Quote

Tree service insurance requirements

Tree trimmers are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Start work on a project. Clients and local governments might ask you to have active insurance — usually general liability or workers’ compensation.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Get a Quote
Everything you want to know about Insurance

Frequently asked questions about business insurance

Here are some of the most common questions we get about affordable tree service insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

How does business insurance protect tree trimmers?

Our tree trimmer insurance packages are designed to protect your business from a variety of risks and help you save money to grow your business. You’ll be protected from financial losses related to:

Damage to someone’s property

The bucket of your truck bumps into a client’s house, causing some damage to the chimney. The general liability coverage in your insurance package would help pay for a replacement.

Accidents that hurt someone

A tree branch you cut down is temporarily placed on the sidewalk, and a passerby trips and falls. Your general liability coverage would also come into play here by helping to pay for medical costs and legal fees.

Professional mistakes 

An employee trims branches from the wrong tree. E&O coverage helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. 

Injuries and damage involving your business vehicles

You knock over a client’s mailbox while trying to position your bucket truck near a tree. Commercial auto coverage will help pay for the repairs. This coverage is also usually required by law for business-owned vehicles. 

Theft or damage to your tools

A tree branch falls on your toolbox and damages several important tools. You can choose to add tools and equipment insurance to your general liability coverage to help pay for replacement costs. 

Damage to your own property

Your office is robbed overnight and several computers are stolen. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details. If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?” If you cannot access your online account or would prefer to speak with an agent, call us at 855-222-5919 between 6 a.m. and 5 p.m. PT, Monday to Friday.

Certificate of Insurance

Need a fast certificate of insurance?

Get covered in just a few clicks and have your COI in hand. Get Instant Quote