Insurance Services for Tree Trimming

Working at Height, Around Power Lines, With Heavy Equipment. Insured for All of It.

Tree trimming and tree removal work carries a level of physical risk most industries don't deal with. Crews work at height, operate chainsaws and chippers, run bucket trucks and cranes, and often work close to power lines, structures, and other people's property. A standard landscaping or general contractor policy usually doesn't account for the specific hazards this trade creates.

Coldbrook Insurance Group has worked with tree service companies and arborists throughout West Michigan for years. We don't hand you a generic landscaping policy and assume it covers tree work. We build coverage around the equipment, the crews, and the physical risk that comes with working at height and around hazards a typical outdoor service business doesn't face.

As an independent agency, we're not tied to one carrier's version of a tree service policy. We shop your risk across our network to find coverage that actually reflects what your crews do on a daily basis, and we stay involved after the policy is signed, not just at renewal.

Coverage Built for Tree Trimming and Tree Service Companies

Broad Core Coverage

• General liability insurance
• Commercial property insurance
• Commercial auto for trucks and trailers
• Workers' compensation
• Umbrella liability
• Errors & Omissions
• Crime, Cyber & Management Liability

Tree Service Specific Protection

• Inland marine coverage for chainsaws, chippers, and hand equipment that move between job sites
• Contractors equipment coverage, including bucket trucks, stump grinders, and cranes, whether owned, financed, or leased
• Property damage liability for third party damage, including structures, fences, vehicles, and landscaping affected during a job
• Aerial lift and bucket truck liability, covering the elevated risk of working from height
• Utility line proximity liability, for crews working near power lines and other utility infrastructure

Cost Control

• Competitive rates shopped across multiple carriers
• Savings tied to documented safety training, certification programs, and proper equipment maintenance
• Loss control and claims support that moves quickly, so problems get resolved instead of dragging on

Risks That Are Easy to Overlook

Worker injury risk is higher in this trade than in most outdoor service businesses. Working at height, operating chainsaws, and running a chipper all carry a level of physical risk that affects workers' compensation exposure differently than a standard landscaping crew.

Third party property damage happens fast. A falling limb, a dropped section of trunk, or an equipment mishap can damage a roof, a fence, a vehicle, or a neighboring property in seconds, even on a routine job.

Utility line proximity adds a layer of risk many owners underestimate. Work performed near power lines or other utility infrastructure can create liability exposure that a general policy doesn't fully anticipate, and it's worth confirming your coverage actually addresses it.

Equipment represents a significant investment that moves constantly. Bucket trucks, chippers, and stump grinders are expensive, mobile, and frequent targets for theft or damage, and a standard property policy often doesn't follow equipment off your premises the way inland marine coverage does.

Why Work With an Independent Agency

Coldbrook is independently owned. Not a franchise, and not part of a national conglomerate that's acquired a string of local agencies. For a tree service business, that means:

• We're not tied to one carrier. We shop your risk across multiple companies to find the right fit for your crews and equipment.
• You get a real point of contact, not a call center, when you have a question about your policy or need to file a claim.
• We're licensed in 48 states, so if you're taking on jobs or expanding operations across state lines, we can still cover you.
• We're West Michigan based and understand the demands this region's seasons and storm work put on a tree service business.

Claims, Handled the Way They Should Be

If a crew member is hurt, equipment is damaged, or a job results in third party property damage, you call your Coldbrook contact directly. We handle fast intake, loop in the adjuster when it helps, and keep you informed on next steps and timelines, so you can stay focused on the job instead of chasing down claim status.

Get a Quote for Your Tree Service Business

Whether you're running a small trimming crew or a full service tree removal and storm response operation, we'll build coverage around how your business actually operates.