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Get reliable arborist insurance coverage tailored for you by BrokerLink.
With over 3,000 tree service businesses operating in Canada, whether you're trimming branches in a quiet neighbourhood or performing hazardous tree removal services near power lines, the nature of arborist work comes with significant risks. Even one accident could cost you thousands of dollars, and that's why having the right insurance coverage matters.
That's where BrokerLink comes in. We specialize in insurance for tree care companies and professionals across Canada.
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BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.
Arborist insurance is a type of commercial insurance policy that is specifically designed for professionals who work in the tree care and removal industry. This coverage is intended to protect you from the unique risks that come with climbing, cutting, pruning, and removing trees.
It typically includes general liability coverage for third-party injuries and property damage, coverage for your tools and equipment, and protection for business-owned vehicles, property, and employees. Unlike general contractor insurance, arborist insurance offers more specialized protection for events like chainsaw-related injuries, falling branches, height-related hazards, and more.
In Canada, some provinces require certain licenses, permits, and workers' compensation before you can legally operate. With the help of BrokerLink, we'll make sure your coverage complies with provincial regulations.
We cover a wide range of professionals in the tree care industry. No matter the size, scale, or specialty of your operations, BrokerLink has got your back.
Stump grinding and tree removal services.
Municipal tree services that work on city parks, streets, and following storms.
Utility line clearance arborists who work around power lines and communication towers.
Forestry consultants who provide expert advice on tree health and preservation.
Emergency storm response crews that rapidly deploy after different weather conditions.
Residential arborists who prune, plant, trim, and maintain trees in Canadian neighbourhoods.
Commercial tree service contractors who specialize in large-scale tree removal and property maintenance.
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Tree removal and care are dangerous tasks. One wrong cut, one broken rope, or one falling branch could lead to serious injuries and property damage. Unexpected events can happen at any time, anywhere. With tree removal insurance in place, you're protecting yourself against:
Third-Party liabilities: A pedestrian is hit and injured by a falling branch, or a tree falls on your client's home.
Employee injuries: A team member falls from a tree or suffers a chainsaw injury.
Equipment loss: Your chipper or chainsaws are stolen from your job site.
Tree removal insurance isn't just about having peace of mind--it's about safeguarding your finances, interests, and reputation as a business or independent arborist.
Tree removal insurance is more than just a single policy. It's a combination of coverages tailored to your specific business operations, including both mandatory and additional coverage options to choose from.
Commercial general liability insurance
Tools & equipment insurance coverage
Commercial property coverage
Provincial-mandated workers' compensation
Professional liability insurance
Pollution liability insurance
Commercial auto coverage
Cyber liability insurance
Business interruption insurance
General arborist liability insurance protects your tree removal business if someone is injured or if you accidentally cause damage to a client's property while on the job. For example, if a branch falls on your client and they suffer injuries, they have the legal right to sue you for damages. In the event a lawsuit is filed against you, this liability insurance policy will cover the cost of medical bills, legal fees, and other associated expenses, up to your coverage limits.
As an arborist, you rely on expensive tools and heavy equipment to get the job done. This insurance policy protects your tools from theft, vandalism, and accidental damage while in transit or on job sites.
If you operate from a commercial property, commercial property insurance protects your physical location and its contents (like computers or spare parts) from fire, theft, storm damage, or vandalism.
If you have employees working at your tree removal company, you will need to purchase provincial workers' compensation insurance. This covers worker injuries, including medical expenses, lost wages, rehabilitation, and more.
If you give advice, consultations, or tree risk assessments, professional liability insurance protects you from allegations that your recommendations led to a financial loss. For example, if a client follows your advice and their tree damages their home or someone else's property, they could sue you. This insurance policy is specifically designed to cover legal fees and other associated costs.
If you use herbicides or pesticides to remove invasive species, pollution liability insurance is a must. This will cover chemical spills or contamination, especially around environments like parks, rivers, or residential areas.
Whether you're an independent arborist or own a tree removal company, your personal car insurance will not cover you if you are operating your vehicle for work-related purposes. A separate commercial auto plan is required to ensure your vehicles and employees are protected in the event of an accident.
Cyber liability insurance is important for businesses that store client data, make online payments, or use other scheduling software. If a cyberattack/data leak occurs, this policy will help pay for recovery costs, legal fees, and more.
Should your business be forced to shut down for the foreseeable future due to an insured loss like a fire or severe weather damage, business interruption insurance helps cover lost income and ongoing expenses until you’re back up and running.
Let us be your resource for all things arborist insurance
Discover what sets BrokerLink apart. Our commitment to personalized service, expert advice, and comprehensive coverage options ensures you get the best protection tailored to your needs.
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The cost of arborist insurance in Canada will vary based on several factors related to your business. Similar to other insurance policies, insurance companies will look at the level of risk you carry, the scale of your tree removal services, and your past history to determine your rates:
Where you operate your tree removal business matters; operating in an urban area like Toronto, Vancouver, or Montreal, near residential properties, or rural areas prone to severe storm damage or wildfires will likely increase your tree removal insurance costs, given the increased risk of you filing an insurance claim.
Larger companies with numerous employees typically pay more for their premiums than arborists working solo, as you're more exposed to liabilities and higher workers' compensation limits.
If you have an extensive customer list and high annual revenue, you'll likely need higher coverage limits to protect your interests financially should something go wrong. In turn, this can increase your premiums.
Owning expensive tools and equipment requires more coverage in the event you need to file a claim for losses or damages.
An insurance history with little to no claims can help you keep your premiums low in the long run, as you will likely be seen as a lower risk to insure compared to someone who has numerous claims on their file.
So, how do these factors impact rates? Let's say you're an independent arborist working in rural Alberta. You may pay around $1,000 to safeguard your interests, as your overall risk profile is moderate to low. In contrast, a commercial company with numerous trucks, expensive equipment, and 10 workers may be charged $5,000 or more annually, given their increased exposure to risk.
BrokerLink will help you find the right balance between affordability and protection. That's a promise.
The average arborist insurance policy costs between $900 and $2,500 annually in Canada. But that doesn't mean you can't save money where you can without sacrificing your peace of mind. Here are some ways you can cut costs:
Combine your tree removal insurance, home insurance, and other policies with the same provider to save up to 15% on your insurance costs!
Did you know most insurance companies add a surcharge to customer accounts who pay monthly? While it's only technically a 2% to 5% monthly charge, it can add up over time. To avoid these fees, consider paying for your tree removal insurance upfront instead.
If you own and operate a company, implement formal safety training with your staff members to lower your risk profile. Doing so may qualify you for an insurance discount with your provider.
Risk management is key to maintaining a clean insurance history without any claims. Ensure you have procedures and protocols in place to reduce accidents and losses.
Whether you need garden and tree insurance or coverage for your landscaping business, with the help of BrokerLink, we'll make sure you’re properly covered, so you can focus on growing your business with confidence. We've got access to top policies and leading insurance companies across Canada, allowing us to shop around and customize your coverage based on your needs and budget.
To work with BrokerLink, contact us over the phone or by email to speak with a broker directly.
You can also get a fast and free arborist insurance quote right now using our online quote tool!
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At a minimum, we recommend purchasing general liability insurance, commercial auto, and tools and equipment coverage. This will ensure you're protected while on the go, if your tools are stolen or damaged, and if you cause injuries or property damage to a third party while on the job. You may also want to purchase professional liability insurance if you plan on working as a consultant or giving advice to customers.
Most policies can be set up within 30 minutes to an hour of you speaking with an insurance specialist and submitting your application. Start by comparing quotes on your own, or contact a BrokerLink advisor for assistance.
Yes, but you’ll need to disclose your subcontractor relationships. Some insurers require subcontractors to carry their own insurance, while others allow you to add them to your policy afterwards. We recommend speaking with your insurance company or a broker prior to doing so to ensure your finances and interests are protected.
There's no legal requirement for you to purchase arborist insurance in Canada. However, if you do have employees, you will need to purchase workers' compensation. Some municipalities may also require proof of liability coverage before issuing permits if you're working on commercial spaces.
Yes, your coverage will extend to employees.
Explore our other insurance products to find additional coverage options that fit your needs. Discover more ways to protect what matters most.
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