Tree Service Insurance in Rhode Island

Do I need insurance to run a tree service business?

Yes. Every tree service business needs insurance. Most states require workers' compensation by law, and virtually all commercial and residential clients require proof of general liability coverage before allowing work to begin.

How much does tree service insurance cost?

Tree service insurance typically costs between $5,000 and $15,000 per year for a small operation, though companies with larger crews, heavy equipment, or crane work can pay $25,000 to $50,000 or more. Workers' compensation is usually the single largest line item.

What insurance do I need for tree trimming?

Tree trimming companies need general liability, workers' compensation (if you have employees), commercial auto, and inland marine insurance at minimum. Many clients and municipalities also require umbrella coverage and completed operations endorsements.

Does a tree service company need workers' compensation?

In almost every state, yes. Workers' compensation is legally required for tree service companies with employees, and tree care's NCCI class code 0106 carries some of the highest premium rates in any industry due to the extreme injury risk.

What does general liability insurance cover for tree services?

General liability covers third-party bodily injury, property damage, and personal/advertising injury claims arising from your tree service operations. It pays for defense costs, settlements, and judgments when your work causes harm to someone else's person or property.