The Importance of Tree Service Insurance
If you’re collecting quotes for pruning, removals, storm cleanup, or plant health care, insurance shouldn’t be an afterthought. People often ask if we are insured, and it’s a good move. Why is it such a big deal whether your arborist or tree care professional has tree service insurance? If someone is working at your house or on your property, you as the owner of the property are the one who is ultimately responsible for the safety of any “guests” who come onto your property, including including painters, roofers, certified arborists/tree service professionals, electricians, and other general contractors. If someone walks onto your yard and slips and falls, you could be held responsible for their injuries.
When we work for a commercial enterprise we are labeled as a subcontractor. The “contractor” or owner makes sure we are have liability and workers compensation because the business owner knows that they would be liable for bodily injury, injured employees, or property damage if something happened during routine tree work because of an accident caused by us. If we are insured, the burden is taken from the contractor. Our business insurance protects the commercial enterprise from injury or property damage liability.
The Difference Between Tree Service Insurance and Landscapers Insurance
Homeowners sometimes hire a landscaping company for tree work because the price is lower or because they already use them for lawn/bed maintenance. The catch is that a landscaper may be insured for landscaping, yet not insured for higher-risk tree work like working aloft, rigging, heavy equipment, proximity to structures and utilities. When the policy doesn’t match the work being performed, you may not get the protection you think you’re getting. Also, though landscaping companies may be experts at maintaining your lawn and planting beds, they may lack the expertise or equipment necessary to safely perform tree care services, which can result in property damage, injury, or even death.
Risks to Homeowners and Property Managers
Tree work can involve heavy limbs, climbing, saws, rigging, bucket trucks/spider lifts, chippers, and work near homes, cars, fences, and wires. If a contractor is uninsured, or improperly insured, property damage and injuries can become a serious financial headache, and in some circumstances the property owner may be pulled into the claim.

Tree Care Professional Should Be Insured: Real-World Examples
Working for a tree care company is a dangerous job that must be respected by those practicing. Tree trimming, removing a tree, as well as other tree care industry tasks can result in tree falls or other injuries. When you hire a tree professional, you feel that he should be able to come in and do his job correctly and safely, but sometimes the situation ends badly.
Here are two real case scenarios that actually happened to people who tried to save a little money rather than hire an insured company professional:
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Uninsured Tree Service
A homeowner hired an uninsured tree service company with no general liability insurance to prune a tree in their back yard. The company dropped a large limb onto the high voltage power lines, which caused a power surge that fried all the electrical appliances of their neighbors up the street. The neighbors sued the contractor, but all he had was a pickup and some hand tools. They then had no choice but to sue their neighbor for the damage to their appliances. This cost the homeowner tens of thousands of dollars to repair the damages.
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Uninsured Contractor
A homeowner hired a painting contractor to paint the inside of his home. A worker fell off a ladder and broke his back and was paralyzed. The worker sued his boss who had no insurance. When he was unable to collect damages from his boss he sued the homeowner. The homeowner was found to be negligent for hiring an uninsured contractor and therefore was liable for the worker’s injuries.
These are exactly the kinds of “low-probability, high-cost” outcomes insurance is designed to handle. So yes, our Arborists (Certified by the International Society of Arboriculture) and plant health care professionals are fully insured, both to protect our business and employees and to protect your business or home! Be proactive and investigate: always keep in mind that any contractor, and certainly a tree care professional should be insured.
Insurance Requirements for Tree Service Companies

Professional tree work typically calls for coverage that matches the risk profile of the job. Common types include:
- General liability coverage (property damage / third-party injury)
- Workers’ compensation (if employees are working on-site)
- Property damage coverage
- Often, additional coverage related to specialized equipment and higher-risk operations
Because tree work is higher risk than many landscape tasks, the insurance cost for a true tree service operation is often higher, which is one reason professional quotes can be higher than “tree work as an add-on.”
| What to Request | Why it Matters | Questions |
|---|---|---|
| COI (Certificate of Insurance) | Confirms active coverage |
“Please provide the COI directly to me.” |
| General liability | Covers many property/third-party risks |
Limits/confirm it applies to tree work |
| Workers’ compensation | Protects if a worker is injured |
Confirmation it’s active |
| Property damage coverage | Helps address damage to structures/neighbor property |
What’s covered and exclusions |
| Written scope of work | Prevents surprises |
Exact work description, cleanup, disposal terms |
| Crew & equipment plan | Reduces jobsite risk |
What equipment will be used near the house/lines? |
Why Choose Stein Tree Service
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FREE
ConsultationWe offer a free consultation with our experts to evaluate your landscape and its current or potential problems. We provide a solution based on YOUR landscape needs.
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Expert Care by Certified Arborist
Our arborist is ISA-certified and experienced in all types of plant and tree problems, including pests like emerald ash borer, plant and tree disease, and damaged trees.
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Transparent Pricing & Clear Quotes
You’ll receive a straightforward, comprehensive written estimate, and you get to choose which services you want so you know what’s included before scheduling.
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Licensed and Insured
We are fully licensed and insured. Our team consists of highly experienced professionals, and our comprehensive insurance coverage means you’re protected against any unforeseen incidents.
We get many questions from residents about tree care, our services, and our policies. Below are some of our frequently asked questions.
FAQs About Tree Service Insurance
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What insurance should a professional tree service company have?
At a minimum, look for general liability (property damage/third-party injury) and workers’ compensation insurance when a crew is working on-site. For larger or higher-risk jobs, many companies also carry coverage that fits specialized equipment and operations.
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Do I need to ask a tree company for proof of insurance?
Yes. Before work starts, request proof of coverage (typically a Certificate of Insurance) so you’re not relying on verbal assurances, especially for higher-risk jobs like removal of hazardous trees, storm damage cleanup, or tree work near structures and utilities.
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What is a Certificate of Insurance (COI)?
A COI is a document that provides proof of insurance coverage and summarizes key policy details like the contractor’s insurer, policy types, effective dates, and key limits. It’s one of the fastest ways to confirm a contractor has active coverage for the work you’re hiring them to do.
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Do I need workers’ compensation coverage for a crew working on my property?
You don’t need to carry it as the homeowner, but you should confirm the tree company carries workers’ compensation if employees will be on-site. If a company says they don’t have it, ask how they handle employee injuries and what coverage applies.
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Does my homeowner’s insurance policy cover accidents caused by an uninsured tree contractor?
It depends on your policy and the situation, but relying on your own coverage can mean uncertainty, delays, and potential out-of-pocket costs. The safer approach is to hire a properly insured tree care professional and verify coverage before scheduling.
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Is landscaper insurance the same as tree service insurance?
Not always. A landscaper may be insured for lawn/bed work but not for higher-risk tree operations (climbing, rigging, removals near structures/utilities), so you should confirm the policy matches the exact tree work being performed.
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Are You licensed and insured?
The crew at Stein Tree are tree care specialists with decades of collective experience and knowledge. In addition, our company carries more insurance than most other tree removal companies due to the nature of some industries where we provide services. They require us to have more insurance due to the danger involved. Therefore, we are more than covered for residential work. When asked, we can have our insurance agent provide you with a current certificate of insurance.
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What is the customer’s responsibility?
Before our arrival, the customer is responsible for informing us of any hidden wiring, watering systems, drainage pipes, and septic systems. We need to know if you had anything buried on your lawn. We cannot be responsible for something we can’t see and didn’t know existed. Please move all lawn ornaments and furniture out of our working area if possible.
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What areas do you service?
Stein Tree Service proudly provides expert tree care to residential, commercial, and municipal clients in Delaware, parts of southeastern Pennsylvania, and parts of Maryland. Our primary service areas include:
Delaware: New Castle County, including Wilmington, Newark, and surrounding communities.
Pennsylvania: Areas of southeastern PA such as Chadds Ford, West Chester, and Kennett Square.
Maryland: We serve parts of northeastern Maryland, including Elkton, Chesapeake and Fair Hill.
If you’re located near the Delaware border and are unsure whether your property is within our service range, feel free to contact us directly—we’re happy to check and schedule a consultation.
Importance of Choosing a Tree Service Company with Proper Insurance Coverage
A low quote can look attractive until one incident turns into weeks of phone calls, uncertainty, and unexpected costs. Proper insurance (and the professional standards behind it) is part of what helps a tree job run safely and predictably.
By choosing a tree service company with proper insurance coverage, homeowners can have peace of mind knowing that their property is protected and they are protected from liability for any accidents or damages.
The bottom line is that tree services require specialized knowledge, skills, and equipment that many landscapers may not possess. Professional tree service companies, like Stein Tree Service, have arborists and state-of-the-art equipment to ensure the safe and efficient completion of tree services.
Stein Tree Service Offers Tree Services With Proper Insurance Coverage
We provide services like trimming and pruning, tree removal (even in tight spaces), and plant health care with experienced professionals and the equipment needed to complete work safely and efficiently. If you’d like, we can provide a current certificate of insurance through our insurance agent upon request. If you’re planning tree work and want clarity on scope, safety, and insurance documentation, request a free, no-obligation consultation/estimate, contact us today.
Featured Programs

Stein has a permit to work in spotted lanternfly quarantine areas in Pennsylvania and Delaware. Tree Service Companies have to be trained in proper moving and disposal of materials to avoid spread of the spotted lanternfly and Stein has completed the training courses.

In the spring, destructive ash borer (EAB) adult beetles begin to emerge. These invasive pests can destroy your ash trees. Our specialists are certified to treat for EAP in Pennsylvania and Delaware. For A free consultation, contact us today.




























