Workers' Comp for Tree Service Companies

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Workers' Comp Coverage for Tree Service Businesses

Finding affordable insurance for tree trimming is not easy. We've been helping arborists find easy and affordable coverage for over 15 years. Our experts understand the underwriting requirements from the insurance companies and we know how to negotiate the lowest rates on coverage. That's why we've developed tree service programs designed to help you get the best rates and most flexible payment options.

We partner with the best carriers writing tree trimmer coverage.

Pay As You Go

Improve cashflow and reduce the potential for big audit bills.

Comparison Pricing

Get quotes from multiple insurance companies to ensure the lowest rates.

Claims Management

Our carriers have experienced claim managers to close claims quickly.

Our Top Tree Service Insurance Companies

AmeriSafe Workers Compensation Insurance Roofing-Trucking.

AmeriSafe Insurance

AmeriSafe Insurance Company is a specialty carrier who write hard to place risks. They offer good rates and loss control services.

AmeriSafe Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Accident Fund

Accident Fund Insurance Company of America has a direct focus on writing workers comp coverage for arborists.

Accident Fund

State Auto is a national insurance company that quotes workers comp in most states.

ICW Group

ICW specializes in workers compensation coverage for a broad range of well-managed industries and class codes.

State Auto

Benchmark Workers Compensation Insurance Coverage.


Benchmark excels at covering home landscapers, arborists and tree service and stump removal companies.

Benchmark Insurance

Accident Fund Insurance Company specializes in workers' compensation across the United States.

Normandy Insurance

Normandy Insurance is a diverse, fast growing insurance company underwriting a broad range of risk classes and industries.

Normandy Insurance

UBIC specializes in tough work comp class codes including home health and heavy construction.

UBIC Insurance

UBIC offers excellent rates as well as loss control resources for tree service and tree removal companies.

UBIC Insurance

Pie Workers' Compensation Insurance.

Pie Insurance

Pie Insurance is one of the newest national insurance companies. They have leveraged technology and offer low rates on coverage.

Pie Insurance

SouthEast Leasing Workers' Compensation Insurance

SouthEast Leasing, Inc.

SouthEast Leasing is an affordable alternative to buying workers comp from state fund carriers. They provide payroll work comp coverage.

SouthEast Personnel Leasing

Sunz Insurance Workers' Compensation Insurance

Sunz Insurance

Sunz is a specialty carrier operating in the Southeast. They insure PEOs, temporary staffing, and most other high hazard risks.

Sunz Insurance Company

We help business owners find the very best deal on workers' comp insurance.
The right quote makes a big difference in price.
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Workers' Comp Codes Related to Tree Service

Employees are grouped into classification codes based on their job duties and work functions. The National Council on Compensation Insurance (NCCI) currently utilizes nearly 800 class codes to help insurance companies and agents categorize employees for rating purposes. Insurance companies set a base manual rate for each class code in order to begin pricing a policy.

Properly classifying workers is an important part of the quote process. Mis-classified employees can cost small businesses thousands of dollars. You could end up paying too much for coverage or owing more money after an annual audit.

Class Code 0106 | Tree Service and Removal

Class code 0106 is the most common class code used for tree trimmers and arborists. It applies to contractors who use tools and equipment to prune, spray, trim, fumigate, or repair trees. Work performed may include incidental tree removal, chipping, cleanup, and the hauling of limbs and debris. Work can be done at ground level, on ladders, or bucket trucks. Equipment may include shears, saws, pruners, chain saws, guy wires and spraying equipment. In some cases when lawn care companies provide pruning operations performed on ground level the may be eligible to use class code 9102- Lawn Care Services.

Class Code 2702 | Tree Removal- Logging

Code 2702 applies to companies that remove trees, standing timber, and brush removal using hand or power tools. Applicable when clearing land for residences, power lines, golf courses, etc. This code also includes stump removal when done in conjunction with logging and tree removal.

Class Code 6217 | Tree Excavation

When the clearing or removal of trees and brush utilizes mechanical equipment such as bulldozers, hydroaxes, and hi-lifts it is classified under the excavation class code. This class also includes the relocation or installation of trees wit the use of tree spades.

Class Code 0005 | Tree Planting

Code 0005 is the standard classification code for facilities devoted to growing trees, shrubs, and plants. These companies may also deliver and plant trees at the customers' locations.

Alternative State Class Codes for Tree Service:

Sometimes a state will deviate from the industry class code recommended by NCCI. Instead of the NCCI code, they may require the utilization of a state specific class code for certain business segments.

Class Code State
6217 | Tree Service & Excavation Michigan
2702 | Tree Stump Removal Texas
005 | Tree Services Delaware / Pennsylvania

Related: arborist, tree service, tree trimming, tree pruning, tree removal, stump grinding, tree spraying, tree fumigation, christmas tree harvesting,

Workers Compensation is licensed in all 50 states. We are proud to offer national multi-state coverage.

Workers Compensation is a national Agency, licensed throughout the United States.

Get the Best Tree Service Insurance Coverage

A lot of small tree trimming businesses are overpaying for insurance coverage because their agent does not have access to the lowest cost insurance companies. Many companies end up paying even higher rates with state insurance fund. Other business owners are using installment plans based on estimated payroll that doesn't adjust as payroll fluctuates. We help our customers find the best insurance rates for each unique state and type of business. Our Pay As You Go payment plans will improve your business cash flow. We work with new business owners and companies with higher EMR Ratings. We've been writing tree service insurance since 2005.

Program Features
No Minimum Premium Requirements
Pay As You Go Work Comp - $0 Deposit
Guaranteed Cost and Deductible Options
National Tree Service Insurance Expertise
More Markets for More Solutions   We shop renewals too
Commercial Package Insurance Options

What Does Workers' Comp Cover?

What does workers comp cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.

Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job

Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.

Workmans comp does not cover negligence
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Lower Your Tree Service Insurance Cost

The cost of business insurance has been increasing for small businesses. General liability and workers' comp insurance have been the major cause of the increase in the cost of coverage. We've partnered with our insurance companies to provide more affordable commercial insurance solutions for our customers. Ask about our package insurance options for tree trimmers:

  Workers' Compensation and Employers Liability

  Tree Service Liability Insurance

  Commercial and Personal Property

  Umbrella Liability and more

Not all lines of insurance coverage or all class codes will be available in all states. Contact one of our workers' comp Specialists for program details on general liability and workers' compensation insurance.

Get Started Now

Start a quote online or give one of our specialists a call at 888-611-7467.

How Much Does Tree Service Insurance Cost?

The average rate our customers pay for workers' compensation under the tree service class code is around $9.15 per $100 of payroll. The average cost for a general liability insurance policy is about $2,400.00.

Workers' Comp Costs

  • Work Comp is priced based on payroll
  • Your state and EMR Rating will affect your cost
  • The type of tree work can modify rates
  • Premium discounts and policy credits may apply

General Liability Costs

  • GL rates are based on sales (rated per $1000)
  • Gross revenue may affect pricing
  • The type of work done matters to underwriters
  • Prior clams and years in business affect pricing
  • SIC codes vary by class code
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How do I get started?

Here's what we need from you

  • Business details, locations, FEIN or SSN
  • Estimated annual payroll and job duties- class codes
  • Claims info or loss history- if applicable

What Happens Next?

We go find for your best price

  • Our software matches you with top-rated carriers
  • Our agents apply and negotiate your lowest rates
  • We present and recommend your best options

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Pay As You Go Workers Compensation Insurance Options.

Ask about our Pay As You Go plans designed to improve cashflow and bullet-proof your audits.

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Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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