Tree service insurance cost
Pick a coverage to see the published figure, type a quote to compare, and tick coverages to add up a yearly budget.
How to use the tree service insurance cost tool
- Find the published table and choose the row for the coverage you want to look at: General liability, Workers’ compensation, Tools and equipment, Commercial auto, Business owner’s policy (BOP), or License and permit bonds.
- Read the published figure for that row. Each row shows a monthly figure and a yearly figure.
- Check the limits listed for that row, where the source states them. For example, General liability is shown with $1M per occurrence and $2M aggregate, and a $500 deductible.
- If you have a quote, type it in as the optional quote. Choose “per month” or “per year” so the tool knows the period your quote covers.
- Read how far your quote sits above or below the published figure for the same coverage.
- Open “More options” if you want to add annual revenue, employees, or the coverages you want to add to your budget.
- Read the results for share of revenue and amount per employee. These appear once you have typed in the matching values.
- If you tick more than one coverage for the budget, the tool adds the published medians and warns that a sum of separate medians is a rough budget. If your quote is far from the published figure, it suggests checking the period and the limits the quote includes.
- Treat every result as an estimate. If you need an actual price, ask a licensed insurer or agent for a quote.
What does a published median mean for tree service insurance cost?
The figures on this page are published medians from Insureon’s tree service and arborist cost page, updated 30 September 2026. A median is the middle value in a set of numbers, so half the businesses in the group fall above it and half fall below. The source describes these figures as medians for tree service and arborist business owners who bought through Insureon, most with fewer than five employees. Some wording on the source refers to averages, but its top list calls them medians, so this page uses that term.
How does the tool work out the gap, share of revenue, and amount per employee?
The gap compares your quote with the published figure for the same coverage. Both numbers must cover the same period, so a monthly quote is multiplied by 12 before it is compared with the yearly figure, and the result is shown as a percentage above or below. Share of revenue is the yearly total of the coverages ticked for the budget, taken from the published medians, divided by annual revenue and shown as a percentage. Amount per employee is that same yearly total divided by the number of employees. Both results depend on the figures you type in, so they only describe your inputs.
Which limits does the page show?
Limits are shown only where the source states them. The source lists $1M per occurrence / $2M aggregate with a $500 deductible for general liability. For tools and equipment, it notes that items valued over $2,500 may need separate scheduling. It states no limits for the other rows, so none are shown. A quote written with different limits may not be directly comparable with the published median.
Why is a total of several figures not a bundle price?
Each published figure is a median for one coverage. Adding General liability, Workers’ compensation, and other rows together gives a sum of separate medians. That sum is not the price of a bundle, and the page says so. The BOP and bond figures are stated for landscaping businesses generally rather than tree service alone. The source also notes that tools and equipment items valued over $2,500 may need separate scheduling, so check that note before you compare that row with a quote.
Sources (checked 15 October 2026): insureon.com
Worked examples
| Input | Result |
|---|---|
| General liability | 2 coverage(s) added up from the published medians: $371 a month, $4,455 a year |
| General liability, quote $195 per month | Your quote of $195 a month ($2,340 a year) is 24.8% above the published median of $156 a month. |
| Workers' compensation, revenue $120,000 | 2 coverage(s) added up from the published medians: $371 a month, $4,455 a year |
| General liability, revenue $150,000 | 2 coverage(s) added up from the published medians: $371 a month, $4,455 a year |
Calculated by the tool above; open it with the same values to see each step.
How this tool works and where the numbers come from
The page shows published medians from one source, Insureon’s tree service and arborist cost page, and adds no estimate of its own. Your quote is converted to a yearly amount (monthly x 12) and compared with the published yearly figure as a percentage above or below; the optional budget adds the published medians of the coverages you tick, and share of revenue and amount per employee are that yearly total divided by the revenue or headcount you type.
Sources
Frequently asked questions
Is tree service insurance cost the same for every tree business?
No. The published figures are medians for tree service and arborist business owners who bought through Insureon, most with fewer than five employees. A quote for your own business may differ from a published median. Compare your quote with the published figure, and ask a licensed insurer or agent for a quote that applies to your business.
Does this page give me an insurance quote?
No. Every figure on the page is taken from the named source, and the page adds no estimate of its own. The tool only compares the published figures with a quote you type in. Quotes come from a licensed insurer or agent.
Is the information I type sent anywhere?
Everything is calculated in your browser, and nothing is uploaded. You do not need to sign up, and the page does not ask for contact details. The tool is free to use.
Why does the tool show a gap above or below the published figure?
The gap shows how far your quote is above or below the published median for the same coverage. It helps you see the difference in one number. A gap does not tell you whether a quote is right for your business, because the published figures are medians for a specific group of business owners.
Can I add up the figures for several coverages?
You can add the yearly figures for several rows, but the total is a sum of separate medians. It is not the price of a bundle of those coverages. Use the individual figures to compare each coverage with its matching quote.
Why do the BOP and bond figures mention landscaping?
The source states the Business owner’s policy (BOP) and License and permit bond figures for landscaping businesses generally. They are not stated for tree service alone, so keep that in mind when you compare them with a tree service quote.
What is the average cost of tree service insurance for an arborist?
In Insureon’s tree service and arborist figures on this page, general liability is a median of $156 a month ($1,875 a year), workers’ compensation $215 ($2,580) and commercial auto $299 ($3,590). These are medians for a group of business owners, not a quote, so how much arborist insurance costs you depends on your services, employees and equipment.
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