Tree Services · Florida
Florida Tree Service & Tree Trimming Insurance Quotes
Tree crews work at height and face high damage risks daily. Tree service insurance protects against fallen limbs and property claims. We compare multiple A-rated carriers.
What insurance should a tree service have in Florida?
A Florida tree service usually carries general liability for damage to customers' property, workers comp for the crew, commercial auto for trucks and chippers on the road, and an inland marine floater for saws and equipment. Florida has no statewide license for tree services, but some counties require one. Broward County's tree trimmer license asks for at least $300,000 of general liability with the county named as additional insured (Broward County Code, ch. 9, art. XI). We compare tree service insurance across multiple A-rated carriers.
Common Tree Service Insurance Claims
Tree work fails in a few predictable ways, and each one lands on a different policy.
The situation
A trunk section misses the drop zone and tears through a neighbor's pool screen.
What responds
General liability pays the neighbor's repair and your defense, as long as tree removal is listed as covered work.
The situation
A climber's rope slips and he falls from the canopy.
What responds
Workers comp pays for his treatment and replaces part of his lost wages during recovery.
The situation
Your chip truck backs into a parked car on a narrow street.
What responds
Commercial auto answers the damage to the car. Make sure the towed chipper is listed on the auto policy or the equipment floater.
The situation
During storm cleanup, your crew removes a tree on the wrong side of a property line.
What responds
General liability may respond, but some policies limit damage to trees and landscaping. We check that wording before you sign.
Who Needs Tree Service Insurance
Four kinds of tree work, each with its own mix of height, heavy equipment and storm demand.
Tree trimming and pruning crews
Climbers and bucket trucks work above roofs, cars and power lines. Pruning is most of the work, and most claims start with a falling limb.
Tree removal companies
Felling and sectioning large trees brings cranes, rigging and heavier machines to the site. Carriers ask what share of revenue comes from removals.
Certified arborists
Arborists sell advice as well as labor, such as tree risk assessments and care plans. A wrong call on a tree can bring a claim even when nothing was cut, so ask about professional liability.
Land clearing and stump grinding
Clearing land falls inside the construction industry definition of Florida's workers comp law (§ 440.02(10), Florida Statutes), which moves the point where coverage starts. Our workers comp insurance page explains class codes.
Florida Tree Service Insurance Requirements
There is no state tree service license. The rules that touch your insurance come from workers comp law and from the counties.
| Rule | What it means for your business |
|---|---|
| No state license: the Florida Department of Agriculture and Consumer Services does not regulate or license tree services (as stated by Marion County) | Local rules and your customers' contracts decide what proof you need. |
| Broward County tree trimmer license: general liability of at least $300,000, with Broward County named as additional insured and certificate holder (Broward County Code, ch. 9, art. XI) | Working in Broward without it can stop a job. A Class A license also requires ISA arborist certification. |
| Workers comp: tree pruning (class code 0106) is not on Florida's construction class list, so coverage starts at four employees; land clearing counts as construction and starts with the first (§ 440.02(10), (20)(b), Florida Statutes; Rule 69L-6.021, F.A.C.) | Broward's license asks for workers comp once a company has more than three employees, the same line the state draws. |
| Your customers' contracts | Property managers, HOAs and cities often name the limit, ask to be added as additional insured and want proof before a crew arrives. |
County rules differ. Check the county where each job sits before the crew rolls out.
What to Gather for a Tree Service Insurance Quote
- Your revenue, split between trimming, removal, stump grinding and land clearing.
- How many climbers and ground workers you have, and your total payroll.
- Your trucks, bucket trucks, cranes, chippers and stump grinders, with their values.
- Any county licenses you hold and any ISA certifications on your crew.
- Your claims from the past five years, plus loss runs from your current carrier.
Who insures tree trimming companies in South Florida?
Tree work shortens the list of carriers, and an independent agency can reach the ones still writing it. American US Insurance, based in Kendall, quotes tree trimming insurance on your crew, your equipment and the removals you take on. We place tree service insurance for companies in Miami-Dade, Broward and Palm Beach. Certificates name the county or customer each job requires.
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Tell us about your equipment, crew size, and removal work. We compare multiple A-rated Florida carriers and explain every height limit and exclusion before you bind.
- No obligation, no pressure
- Renewal and claims help after you buy
- A licensed agent compares carriers
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