The job is hard enough. Finding a serious insurance conversation should not be.
General contractors, property managers, homeowners, and municipalities often want proof of liability before your crew can start. That requirement can hold up a contract, a permit, or a certificate while trucks and workers wait. Tree work also sits in a higher-hazard category than routine property maintenance. A falling limb can damage a roof, a chipper can cause a severe injury, and work near roads or power lines can turn a small mistake into a serious claim.
The traditional path can create another problem: cashflow suffers when a business must write a large check just to start a policy. Tree trimmers still need cash for payroll, fuel, saw maintenance, chipper repairs, lifts, and the next job. FLASLA offers a clearer starting point built around the work your crew actually performs.
Florida-rooted trust, national help for tree crews
FLASLA is the Florida Association of Landscape Artisans. We help tree trimmers, arborists, and specialty outdoor contractors describe their work clearly and begin a coverage conversation without pretending tree service is an office risk. Our Florida roots shape the association, but the insurance path serves crews in all 50 states.
Insurance products are offered through licensed broker partners EZBind / Edemnify. A licensed agent can help you understand the indication, answer questions about limits and requirements, and explain what underwriting needs before coverage can be approved.
If your company also handles landscape maintenance, irrigation, hardscape, or related outdoor work, review the full list of trades FLASLA serves so your submission reflects the full scope of operations.
A three-step path from question to approved coverage
You stay in control. The form starts the conversation; it does not bind coverage or promise approval.
- 01
Request a free indication
Use the homepage form to describe your crew, location, revenue, experience, and tree services. Include the heights, equipment, and storm work that shape your real exposure.
- 02
Review it with a licensed agent
A licensed agent reviews the non-binding indication with you, explains the proposed terms, and gathers any details underwriting still needs. You can ask questions before making a decision.
- 03
Bind only after approval
Coverage can begin only after underwriting approval, your acceptance of the final terms, and eSignature when approved. A submitted form or indication does not place insurance.
$0 Down® keeps working cash in the business
Eligible tree service businesses can use $0 Down® with twelve automatic monthly payments. This simple monthly approach helps preserve cash for the equipment, people, and operating costs that keep jobs moving. Your free indication helps show how the payment approach could apply to your crew before you choose whether to proceed.
Need more context before submitting? Read the landscaper and tree trimmer insurance cost guide for the factors underwriters review.
High-hazard appetite means real tree work
The conversation can include trimming, cutting, full removals, storm cleanup, chippers, stump work, climbing, bucket trucks, lifts, and elevated operations. These are field exposures with the possibility of falling material, property damage, bodily injury, and severe claims—not office policies dressed up for contractors.
Accurate details matter. Tell the agent about maximum height, work near structures or utilities, equipment use, subcontractors, payroll, and the percentage of revenue from each service. Underwriting and final terms determine eligibility.
Faulty workmanship
Built into every quote. Designed to protect your reputation.
Review the actual terms, conditions, limits, and exclusions with your licensed agent. The quote and policy documents control how coverage applies to a particular claim.
An indication is not a binder
An indication is a free, non-binding estimate based on the information available. It can help you understand possible pricing and terms, but it is not coverage, a guarantee of approval, or permission to represent that your business is insured.
A binder or issued policy confirms coverage is in force only after underwriting approval, acceptance of final terms, completion of required documents, and eSignature when approved. Until you receive written confirmation, do not assume coverage has started.
Tree trimmer insurance FAQs
Straight answers for tree service crews evaluating their next coverage step.
How much does tree trimmer insurance cost?
It depends on state, payroll/crew, height/equipment exposure, and work mix. Request a free indication on the homepage for a personalized estimate. An indication is not a binder.
Do you offer arborist liability insurance?
We help tree trimmers and arborist-style operations explore general liability with a high-hazard appetite. Start with a free indication.
Is tree cutting / tree service general liability available with $0 Down®?
Eligible accounts can use $0 Down® with simple monthly payments. Ask for an indication to confirm how it applies to your crew.
Is faulty workmanship included?
Built into every quote. Designed to protect your reputation.
Do you only cover Florida?
No. FLASLA branding is Florida-rooted; we serve tree trimmers in all 50 states via EZBind / Edemnify brokers.
Ready to get a clearer answer for your crew?
Request a free, no-obligation indication for tree trimmer or arborist liability insurance with $0 Down® and simple monthly payments.
An indication is not a binder. Insurance products offered through licensed broker partners EZBind / Edemnify.