Tree service work is among the most hazardous trades in existence. Working at height with chainsaws, managing falling debris, and operating heavy equipment creates injury exposure that carriers take very seriously. Workers comp for tree service companies carries some of the highest rates in the industry, but there are ways to manage costs without sacrificing coverage.
Why Tree Service Workers Comp Rates Are High
Falls from trees and aerial lifts are the most severe injury risk in tree work, and fatalities occur at a much higher rate than in most other industries. Chainsaw injuries, being struck by falling limbs, and equipment accidents also contribute to a high-severity claim profile that carriers reflect in elevated rates.
Climbing vs. Ground Crew Class Codes
Tree service employees are not all classified the same way. Arborists and climbers who work in the canopy carry higher rates than ground crew workers who chip brush and handle debris at ground level. If your crew includes both roles, separating payroll between the two codes can save you significantly over the course of a policy year.
Subcontractors and COIs in Tree Work
Tree service companies that use subcontractors for specialized work, such as crane operation or stump grinding, must require current certificates of insurance. Without a valid COI, the subcontractor’s payroll may be added to your policy at the tree service rate, which is among the highest available.
Get a Free Tree Service Workers Comp Quote
Comp Matters Inc. writes workers comp for tree service companies across the East Coast. Call (631) 248-2500 for a free quote.
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