Written by: Craig Barbee, CEO of Barbee Jackson Insurance. Craig has worked with hundreds of different tree removal services throughout the State of Florida. He and his team have partnered with the leading Excess and Surplus lines insurers to find their client the right coverage options at the best price.

Living in the tropical climate of Florida provides ample amount of work for Tree Trimmers to make money, but without the right insurance it can cost you valuable jobs and opens you to lawsuits if something goes wrong. That’s where we step in to make sure that you are getting the right coverage for the best price.

As an independent insurance agency we work with a large network of insurance carriers that specialize in providing coverage for tree trimming, tree removal and tree care. We are able to quote all the leading companies to find you coverage in less than 10 minutes. Call today to get started (850) 389-2001 (Spanish speaking associates are available)

How are Insurance Rates Determined

• Zip Code
• Employee Payroll
• Subcontracting Costs
• Number of Employees

Classes of Businesses we Insure

⭐⭐⭐⭐⭐Michael De Dios “Easy to work with and provides the coverage I need for my business.”

How Much does Tree Trimming Insurance Cost?

Tree trimming insurance is based on employee payroll and subcontracting costs. The typical two man option can expect to pay $1,500 per year for a one million dollar policy. This can be financed with 20% down and 10 equal monthly payments.

Florida Tree Services Insurance Coverage Options

Commercial General Liability

The most important coverage for any Tree Business is General Liability Insurance (CGL). This prevents the owner from financial loss due to a covered loss. Types of losses we frequently see in this business are trees falling on homes, cars and people. All of these losses would be covered under the policy terms and conditions.

It is important to have the correct insurance limits. Coverage limits start as low as $100,000 per occurrence, but higher limits of $1 Million are available and encouraged if you want to do any commercial work.

Commercial Auto Insurance

We are able to provide insurance coverage for a vast number of different vehicle types. Insurance liability limits start as low as $50,000 and can go to $1,000,000. Unlike personal auto insurance, limits of liability are usually quoted using Combined Single Limits (CSL). CSL means that the property damage and bodily injury are combined under a single limit instead of two limits. 

⭐⭐⭐⭐⭐Michelle Whittington “Had my doubts when I placed the call. The moment I was speaking to Tyler, he made my experience awesome. He stayed focused, was very helpful, positive, & very polite. I would give 10 stars for customer service. Thank you, Tyler.”

Inland Marine Floater/Equipment Floater/Tool and Equipment 

If you are in the tree removal and trimming business you most likely have or will need specialized equipment to make your job easier. Some of this equipment costs thousands of dollars and without the proper coverage you could be left holding the bill if a loss occurs to the equipment. 

On an Inland Marine policy you could schedule Skid Steers, Mulchers, Stump Grinders, Log Splitters, Wood Chippers etc. to protect against losses. A few hundreds of dollars a year policy could save you thousands.

Workers Compensation Insurance

The State of Florida requires all contractors to carry Workers Comp Insurance. This coverage protects your employees that are injured on the job. Unlike General Liability the workers comp insurance rates are set by the State of Florida, so insurance companies have no influence on price.

As of January 2026 the set rate for: Tree Pruning, Spraying, Repair Trimming or Removal is $6.09  per $100 in payroll. That means if your business has $100,000 in payroll expense you would expect to pay $6,090 ($100,000/100 * 6.09) before any experience modifications are applied.

Commercial Umbrella Policy

Some larger jobs will want you to have an additional layer of protection in the form of an umbrella policy. Umbrella Insurance is excess insurance over the limits of the General Liability and Commercial Auto.

If you had a claim that hit the maximum limit of either your General Liability or Commercial Auto this policy would pay the overage amount up to the umbrellas policy limits.

Frequently Asked Questions

What is the most common claim that you have seen?

The number one claim that we see is when the tree falls in a different direction that was anticipated. For example, a golf course contracted one of our clients to remove a tree that was leaning too close to the green. 

My insured brought out a front end loader and chains to try to control the fall. When the tree began to fall it twisted and fell in the opposite direction causing major roof damage to the house. The roof trusses had to be replaced along with all the plywood and shingles. Total cost damage was well over $100,000.

What is the turnaround time for a quote?

Quotes can be done over the phone in a matter of minutes with our rating software. If you like the price then we send it to underwriting for final review and most policies can be bound within 24 hours.

What if we subcontract all the work out?

If you subcontract the work out you need to keep track of your subcontracting costs. That will affect your renewal pricing. The higher the subcontracting costs the higher you can expect to pay. Also, it is important to get a Certificate of Insurance from your subcontractors to avoid any high audit bill.

We Save you Time and Money!

Getting an insurance quote is fast and easy. Just have your basic business information ready along with the payroll amount for the employees. After that we will be able to put that information in our rater and get you 10+ insurance quotes in less than 10 minutes. Call today to get started (850) 389-2001