Tree work is one of the highest-risk trades to insure, and many carriers won’t quote it. We place tree trimming, removal and arborist businesses with carriers that write the class, including the workers compensation California requires of every D-49 licensee.
Start a tree service quote or call 888-391-5981.
Common risks
- A limb or tree falls on a house, car or power line
- A climber or ground worker is seriously injured
- A chipper, bucket truck or crane causes damage
- Damage to underground utilities during stump grinding
- A truck and trailer are in an accident
Coverage most tree service need
| Coverage | Why it matters |
|---|---|
| General liability | Damage to customers’ and neighbors’ property and injuries to others. |
| Workers compensation | Required for all D-49 tree service licensees in California, even with no employees. |
| Commercial auto | Trucks, chip trucks and trailers. |
| Equipment (inland marine) | Chippers, stump grinders, saws and climbing gear. |
| Contractor bond | The $25,000 CSLB bond. |
California requirements & what to know
Since January 1, 2023, CSLB has required D-49 (tree service) licensees to carry workers compensation even if they have no employees. If coverage lapses, the license can be suspended.
Why business owners work with Pierce
- We’re an independent agency with access to standard carriers and specialty (surplus lines) markets, so we can place risks many agents turn down.
- A licensed agent handles your account from quote to renewal.
- Certificates of insurance, additional insureds and policy changes are handled fast. Request a COI.
- Local offices in San Dimas and Monrovia.
Related: Landscapers & tree service · Contractors · 2028 contractor workers comp rule · Workers comp
Frequently asked questions
Do I need workers comp if I work alone?
Yes. California requires D-49 tree service licensees to carry workers compensation regardless of employees.
Can landscapers who trim trees use a landscaping policy?
Often not. Many landscaping policies limit tree work by height. If you climb or remove trees, you need a policy that specifically covers tree work.