Coverage provided through non-admitted insurers. Products are not covered by state guaranty funds.
Specialized coverage for tree services, arborists, and tree care professionals in Montana. Protect your crew and your business from the unique risks of tree work.
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+1 (626) 778-2586The reality in Montana
Tree work is classified alongside roofers and structural ironworkers—the highest-risk trades in America. One fall from height, one chainsaw accident, and you're looking at claims that can exceed $500,000.
Trees are unpredictable. Wind shifts, branches snap, rigging fails. A 40-foot oak goes the wrong way and you're staring at a destroyed roof, crushed car, or downed power line.
Cities, utilities, and property managers all demand certificates with specific limits—often $1M/$2M GL and higher umbrella limits. Without a broker who can turn this around fast, you lose the job.
"We specialize in tree service insurance because we understand your industry. Let us protect what you've built."
Comprehensive protection tailored to your industry's unique risks.
Covers property damage from falling trees, branches, and debris
Critical coverage for one of the most dangerous occupations in America
Covers bucket trucks, chippers, and equipment trailers
Protects chainsaws, climbing gear, and equipment at job sites
Higher limits for commercial and municipal contracts
Covers consulting, arborist reports, and tree assessments
Common questions
These are general considerations, not a description of a specific policy. Coverage depends on the issued forms, endorsements, limits, exclusions, and applicable law.
Tree Service insurance is a commercial insurance program built around the risks of a tree service business. It may combine several policies or endorsements rather than relying on one standardized product.
Common options include General Liability, Workers Comp, Commercial Auto, Umbrella. The appropriate combination depends on the company’s actual operations, employees, property, vehicles, contracts, and the exclusions in each policy.
Cost depends on factors such as revenue, payroll, location, services, property values, vehicles, limits, deductibles, and claims history. An insurer must review the individual business before providing a reliable premium.
The application should accurately describe third-party injuries, property damage, employees, vehicles, equipment, professional services, and contractual requirements. Undisclosed or incorrectly described operations can affect eligibility, pricing, and how a policy responds to a claim.
A broker commonly needs the legal business name, address, services, annual revenue, payroll, employee count, property or equipment values, vehicle and driver details, prior losses, current policies, desired limits, and requested effective date.
No. Coverage depends on the issued policy’s terms, limits, deductibles, exclusions, conditions, and the facts of the loss. Panta can help compare and explain available options, but the insurer issues the policy and determines claim coverage.
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