Tree trimming contractors face a unique set of risks—climbing, cutting, heavy equipment, and exposure to unpredictable weather events. Novatae Risk Group, through its partnership with Empire Underwriters, offers a specialized General Liability Insurance program tailored for small to medium-sized tree service operations. This program is designed to help agents and brokers place accounts where traditional markets may fall short, offering targeted protection for a high-risk trade.
Whether your client handles seasonal residential tree trimming or provides full-service removal after storms, this program can accommodate a range of exposures. You can rely on our expert underwriting team to provide responsive service and flexible solutions backed by A-XV rated carriers, both admitted and non-admitted, depending on the state.
Ideal Accounts and Appetite
We focus on small to mid-sized tree contractors with annual payrolls under $1,000,000. This includes:
- Tree Trimming
- Tree Removal
- Stump Removal
Eligible operations may include both new construction and remodeling projects in residential and commercial settings, including new single-family homes.
Ineligible Risks
- New construction of condominiums, conversions, and townhouses (some exceptions may apply)
- Work involving structures over three stories (with limited exceptions)
Coverage Highlights
- Blanket Additional Insured
- Waiver of Subrogation
- Primary and Non-Contributory wording
- Per Project Aggregate limits
- Subsidence coverage (with limitations)
- Prior Projects coverage (with limitations)
These features help your clients meet contractual requirements while staying protected from jobsite-related liability exposures.
Submission Requirements
- Completed ACORD applications
- 3 to 5 years of currently valued loss runs
- Supplemental application
- Pollution application (for project-specific risks)
Minimum Premiums and Carrier Access
Minimum premiums start at $1,500. We offer access to both admitted and non-admitted markets, depending on the state and risk profile. Carriers are rated as high as A-XV, ensuring financial strength and reliability.
Available States
This General Liability program is available in the following states: AL, AK, AZ, AR, CA, CO, CT, FL, GA, IL, KY, LA, MS, MO, NV, NJ, NM, NC, PA, SC, TN, TX, UT, VA, WV. Most states include options for admitted coverage.
Why Work With Novatae Risk Group
As a wholesale broker with deep experience in high-risk contractor classes, Novatae Risk Group enables you to access niche markets for tree service accounts that might not qualify elsewhere. We understand that not every contractor fits a standard mold, and our underwriters are prepared to evaluate each submission on its individual merits. Fast response times, customized coverage options, and strong market relationships make us a valuable partner for placing tree contractor risks.
Need a General Liability quote for your Tree Contractor client?
Email [email protected] or call 800-758-8113 to speak with an experienced broker today.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Tree trimming, tree removal, and stump removal contractors with under $1,000,000 in annual payroll are ideal candidates.
Is this program available on an admitted basis?
Yes, in most available states we offer admitted options. Non-admitted options are also available depending on the risk and location.
What are the minimum submission requirements?
Submissions should include ACORD applications, 3–5 years of loss runs, a supplemental application, and a pollution-specific application if applicable.
Are new construction projects eligible?
Yes, new residential and commercial construction projects—including single-family homes—are eligible under this program.
Which states is this program available in?
This program is available in over 25 states, including CA, FL, TX, IL, NC, and more. Contact us to confirm availability in your client’s state.
Need help placing an account? Connect with a market specialist.