Coverage Options for Trimming, Removal & High-Risk Outdoor Work
Tree trimming and removal work comes with unique risks — from falling limbs to equipment-related injuries. Because every business is different, it’s important to work with an insurance professional who can help you understand what coverages may be available to support your operations.
Catanzaro Insurance works with tree service businesses in Ohio, Indiana, and Illinois to help them explore coverage options and compare policies that may fit their needs.
🌲 Common Coverage Options for Tree Service Businesses
Coverage availability varies by carrier and underwriting guidelines. Below are typical coverages many tree service businesses consider, depending on eligibility.
General Liability
May provide protection if a third party alleges bodily injury or property damage.
Tree service operations often look at this coverage due to exposures such as:
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Falling branches
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Accidental property damage
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Trip hazards from equipment
Commercial Auto
Available for work trucks, trailers, and vehicles used in your operations.
Policies may include options for:
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Physical damage
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Liability
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Coverage for attached equipment (varies by carrier)
Tools, Equipment & Inland Marine
This type of coverage may insure certain tools and equipment such as:
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Chainsaws
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Climbing gear
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Wood chippers
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Stump grinders
The specifics depend on the policy form and carrier.
Workers’ Compensation
If you have employees, many states require workers’ comp.
Tree service operations may be subject to special classifications due to higher-risk work.
Eligibility and pricing vary.
Commercial Property
If your business has a building, yard, or storage area, you may be able to insure items such as:
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Buildings
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Office contents
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Stored equipment
Umbrella Liability
Some tree service businesses consider umbrella coverage for higher-limit protection, depending on their operations and risk tolerance.
🌳 Types of Tree Service Businesses We Can Assist
We work with a wide range of operations, depending on eligibility, including:
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Tree trimming & pruning
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Tree removal services
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Stump grinding
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Land clearing
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Brush removal
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Storm cleanup
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Bucket truck or climbing operations
Eligibility for coverage varies by carrier.
⭐ Why Tree Service Businesses Work With Catanzaro Insurance
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Multi-state licensing (OH, IN & IL)
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Access to multiple carriers, depending on availability
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Fast quote turnaround
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Help navigating certificate requests and jobsite requirements
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Experience with high-risk contractor classifications
📝 Request a Tree Service Insurance Quote
Coverage options depend on your business size, services, equipment, and safety controls.
We’ll walk you through what carriers offer, help gather your underwriting info, and provide quotes where eligible.
📞 Call 614-489-8383
📧 Email info@catanzaroinsurance.com
Or submit the short form below to get started.
We’ll review your setup, identify coverage gaps, and provide competitive options built for tree service businesses in Ohio, Indiana, and Illinois.
🔗 Learn More
Learn more about insurance for contractors here.