Tree care work comes with many risks. Falling branches, property damage, on-site injuries, and equipment loss are everyday realities for arborists and tree removal professionals. Arborist insurance protects your business, your crew, and your livelihood, so one job doesn't put everything at risk.
Get an Arborist Insurance Quote
Most arborists require these coverages to operate and secure contracts.
Added protection based on your operations, equipment, and risk exposure.
Coverage options vary based on your services, equipment, and insurer requirements. A Morison broker will help confirm what's required for your specific operation.
Tree care and tree removal work comes with exposure that most other trades don't face, including height, heavy equipment, live trees near structures, and debris that can travel unpredictably. Without proper insurance, a single incident can result in legal fees, settlement costs, and medical bills that most businesses cannot absorb out of pocket.
Here's what arborist business insurance protects you against:
As an independent Ontario brokerage, Morison Insurance shops your coverage across the best business insurance carriers, not just one. That means more options, more competitive pricing, and coverage tailored to what tree service businesses actually need.
Understanding exclusions helps you avoid coverage gaps. Standard arborist insurance policies typically do not cover:
Not sure if your services are fully covered? A Morison broker will review your operations and flag any gaps before they become a problem.
Arborist insurance premiums vary based on the scope and scale of your tree care operation. Key pricing factors include:
A Morison broker compares multiple insurers to find competitive options that fit your operation.
Getting arborist insurance with Morison is straightforward, fast, and fully supported by licensed Ontario brokers.
Tell us about your tree service business: the services you offer, your equipment, work vehicles, and annual revenue. This helps us match you with the right insurers.
We shop your arborist insurance across leading Canadian insurers that specialize in high-risk contractor and tree removal coverage.
Review your coverage options, select the policy that fits your operation, and receive your proof of insurance.
Prefer to talk it through? Our licensed brokers are happy to help by phone or email.
In addition to arborists and tree service professionals, Morison provides insurance for a wide range of contractors and trades across Ontario.
Ontario does not mandate arborist insurance by law, with the exception of commercially required coverages like auto insurance. However, most residential, commercial, and municipal clients require proof of insurance before hiring, and many lenders and equipment rental companies require coverage as well. Operating without arborist insurance puts your business, your equipment, and your personal finances at significant risk.
Yes. Tree removal insurance, often part of a broader arborist insurance policy, covers liability arising from tree felling, branch removal, and associated property damage or bodily injury. The specific scope of coverage depends on your policy and the services you disclose to your insurer. It is important to accurately describe all services when applying for coverage.
Tools and equipment coverage can be added to your arborist insurance policy to protect chainsaws, climbing gear, rigging equipment, and other machinery against loss, theft, or damage, whether at the job site, in your vehicle, or in storage. Coverage limits and conditions vary by insurer.
Yes. Self-employed arborists and sole proprietors can obtain arborist business insurance tailored to their operation. Coverage requirements for solo operators are generally simpler, but the core liability coverages are just as important. A Morison broker can help identify what you need based on the services you provide and your client base.
All services you perform should be disclosed to your insurer at the time of application. This includes tree removal, trimming, pruning, stump grinding, chipping, land clearing, and any aerial or high-risk work. Undisclosed activities may result in claim denials. If your services change after your policy is issued, contact your broker promptly to update your coverage.
Whether you need coverage to secure new work or want to review your current policy, a Morison broker can help you get arborist insurance that meets client and insurer requirements.
Get an Arborist Insurance Quote
Or call us at: 1-800-463-8074
