Yes. Tree removal and trimming involve dangerous equipment, heights, and outdoor hazards—making the industry one of the most high-risk professions in Michigan. This means you’ll need strong liability and workers’ comp policies in place to protect your business, team, and clients. We help businesses in places like Lapeer and Davison find industry-specific coverage that meets insurance and licensing requirements.

Possibly. In Michigan, if the subcontractor doesn’t carry their own insurance—or if they work under your supervision—you may be liable for their injuries. It’s important to verify each worker’s status and carry a workers’ comp policy that reflects how your business operates. We help contractors across Flint, Lapeer, and Genesee County sort this out clearly and affordably.

General liability protects you if you cause injury or property damage while trimming or removing trees. If a branch hits a car, a client gets hurt, or you damage a structure while on-site, this coverage helps with legal and medical costs. It’s required for many municipal contracts and commercial jobs in Michigan. We make sure your policy matches the scope of your services and equipment.

Yes. Business auto and inland marine policies can cover your specialized equipment whether it’s attached to a vehicle or not. We’ll help you build a policy that protects everything from your dump trailer to your chainsaws—so you’re not stuck paying out of pocket after a theft or accident.

Costs vary depending on crew size, services offered, and where you work. That said, we regularly help tree service businesses in Lapeer, Flint, and rural areas get comprehensive coverage starting around a few hundred dollars per month. We quote multiple carriers to keep your pricing competitive and coverage strong.