Landscaper insurance guide
Tree and shrub service insurance
Tree work combines heights, chainsaws, and heavy falling objects. Insurance must be built for it.
Height limits and exclusions
Some landscaping policies cover shrub trimming and small tree pruning but exclude work above a set height or tree removal. If you climb, use aerial lifts, or fell trees, tell the insurer and get coverage designed for tree care.
Key coverages
- General liability for falling-limb damage to homes, cars, and power lines
- Workers' compensation rated for tree trimming
- Inland marine for chippers, stump grinders, and saws
- Commercial auto for bucket trucks and chip trucks
Safety
- Training aligned with industry tree care safety standards
- Utility line clearance procedures
- Personal protective equipment for chainsaw work
- Drop zone control
Frequently asked questions
Do landscaping policies cover tree removal?
Many limit tree work to a certain height or exclude removals. Tree services often need a specialized policy.
Why is tree work rated higher?
Falls, struck-by injuries, and chainsaw accidents make tree work one of the more hazardous outdoor trades.
Is damage from a falling limb covered?
General liability typically covers damage to others' property from your tree work, subject to policy limits and exclusions.
More coverage and guides
- General liability for landscapers
- Workers' compensation for landscapers
- Commercial auto for landscapers
- Tools and equipment coverage
- Insurance for lawn care businesses
- Tree and shrub service insurance
- Irrigation contractor insurance
- Groundskeeping insurance
- Pesticide and herbicide liability
- What affects landscaper insurance cost
- Landscaping crew safety checklist
- Snow removal insurance
- Landscaper insurance application checklist
Last updated October 15, 2026 · How we research