Tree Service & Arborist Insurance for logging & forestry
Tree care is the high-volume trade adjacent to logging — and it has its own class codes, exposures, and markets. Aerial lifts, chippers, climbing crews, and class code 0106 workers' comp mean a generic contractor policy won't do. We write tree service and arborist programs for pruning, removal, and plant-health-care operators.
What it covers
- General liability — tree service & arborist (class 9102)
- Workers' comp — tree trimming (class 0106) and tree removal
- Aerial lift / bucket truck coverage (auto + equipment)
- Chipper inland marine (scheduled equipment)
- Climbing gear, chain saws, and rigging equipment
- Completed operations — tree falls after the job, property damage
- Property damage to the trees and plants being serviced
- Herbicide / pesticide application coverage (pollution extension)
- Professional liability (arborist consulting & reports)
Who it's for
- Residential & commercial tree service contractors
- ISA Certified Arborists and consulting arborists
- Line-clearance / utility tree care contractors
- Stump grinding and plant-health-care operators
- Tree care crews running bucket trucks and chippers
Why CCA
We know class 0106 from class 9102
Tree trimming workers' comp (0106) is rated differently than tree removal, and both differ from logging. We assign codes correctly, document your operation, and route the submission to the tree-care specialists, not the generalist desk.
Completed-operations is where tree claims live
The classic tree-service claim is a tree that falls after the crew leaves — onto a house, a car, a power line. We write GL with real completed-operations coverage and talk through the contractual protection you need before the climb.
Bucket trucks and chippers, together
Most tree crews run a bucket truck and a chipper as their core iron. We quote the auto (bucket truck), the inland marine (chipper and climbing gear), and the GL/comp as one program — no gaps when the boom touches a power line.
Tree Service & Arborist Insurance, in plain English.
They overlap but use different class codes and markets. Logging (class 2702) covers timber harvesting — felling trees for lumber, in a forest setting, on a timber sale. Tree service / arborist work (class 9102 for GL, 0106 for workers' comp) covers pruning, removal, and plant health care, usually in residential or commercial settings. We write both, and many of our logging clients also run a tree-service arm.
In most states, yes — and even where it's not strictly required, the liability for an uninsured injured climber falls back on you. Tree climbing (class 0106) has a high fall severity, and most jurisdictions treat your subcontractors as employees for workers' comp if they don't carry their own policy. We'll review your crew structure and quote accordingly.
Completed-operations coverage under your GL is what responds here, and it's one of the most important parts of a tree-care policy. We write GL with adequate completed-operations aggregate and talk through the pre-job documentation (photos, site conditions, neighbor notifications) that keeps a post-job claim defensible.
Herbicide and pesticide application is a pollution exposure that standard GL typically excludes. We add a pollution extension or a limited-pollution endorsement to cover plant-health-care applications — and we ask up front whether you spray, because the question comes back from the underwriter every time.
It depends on revenue, crew size, class code mix (trimming vs removal), subcontractor use, and loss history. A small residential tree service commonly runs a few thousand dollars a year for GL; adding workers' comp, the bucket truck, and the chipper brings the total program higher. The fastest way to a real number is a 15-minute call to 844-967-5247.
Related coverage
Ready to quote tree service & arborist insurance?
Tell us about your operation — we'll come back with real markets in about a day.