https://completemarkets.com/company/cochrane-and-company/tree-trimmers-insurance/
Cochrane & Company offers a focused Tree Trimmers Insurance program for businesses whose primary operations include planting, transplanting, pruning, fertilizing, pesticide/herbicide application, bracing, and tree removal. This program is designed for professional arborists and tree care contractors working in residential, commercial, or municipal settings. It is not intended for risks that involve logging, lumbering, or timber harvesting exposures.
Ideal Accounts and Appetite
This program targets tree trimming and arboriculture operations rather than timber or logging businesses. Typical accounts that fit the appetite include:
Independent tree care contractors
Licensed arborists and dedicated tree service companies
Landscaping firms where tree trimming is a primary exposure
Municipal tree care and public works vegetation crews
Operations with logging, lumbering, timberland management, or extensive sawmill exposures do not fit this program.
Coverage Highlights and Advantages
Policies can be written monoline or packaged to match the insured’s needs. Key features include:
Property Coverage
Basic, Broad, or Special Form options
Property Extension Endorsement
Inland Marine coverage for specialized tools and equipment
Commercial General Liability
Primary limits available up to $3 million occurrence/aggregate
Additional Interests - $100 each (Blanket Additional Insured option available)
Excess or Umbrella limits up to $25 million
Errors & Omissions coverage available as a Coverage Part
Medical Payments - $5,000 limit
Pesticide/Herbicide Applicator Coverage - available up to policy limits
In-Transit Pollution Coverage - $25,000 per occurrence / $100,000 aggregate
Property Damage Extension (Care, Custody, Control) - $5,000/$25,000 (higher limits available)
Crime Coverage
Inside the Premises - Theft of Money and Securities
Inside the Premises - Robbery or Safe Burglary of Other Property
Outside the Premises coverage available
All accounts require a $1,000 minimum deductible. Cochrane & Company provides a Loss Prevention Brochure to help insureds reduce exposures and maintain compliance with industry best practices.
Underwriting Notes and Minimum Premiums
Minimum premiums vary by risk characteristics and coverage selections. Underwriters prefer accounts that demonstrate documented safety programs, certified arborist credentials, routine equipment maintenance, and a strong loss-control history. Additional insureds can be added individually or via a blanket endorsement to simplify certificate issuance.
Territories and Availability
This program is available on a non-admitted basis in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY. Writing on a non-admitted basis provides flexibility to place non-standard or challenging risks that may not fit admitted markets.
Why Work With Cochrane & Company?
As a Managing General Agency specializing in niche commercial programs, Cochrane & Company gives agents access to competitive carriers and responsive underwriting tailored to tree care operations. Their underwriting team understands the industry-specific risks—such as pesticide application, aerial lift operations, and property damage from falling limbs—and can structure limits and endorsements to address those exposures.
Agents benefit from streamlined submissions, flexible additional-insured options, and loss-control resources designed for arborists and tree service providers.
Example fits you might place through this program:
A licensed arborist business performing residential pruning, tree planting, and occasional removals seeking CGL limits to $1M/$2M with inland marine for chippers and bucket trucks.
A municipal tree maintenance contractor that applies pesticides and needs applicator coverage plus a blanket additional insured endorsement for city contracts.
For more information on Tree Trimmers Insurance or to submit a submission, please contact Cochrane & Company.
Frequently Asked Questions
What types of accounts are a good fit for this Tree Trimmers Insurance program?This program is best for businesses where tree care—pruning, planting, fertilizing, pesticide application, and removal—is the core operation, such as arborists, tree service contractors, landscaping firms with primary tree exposure, and municipal tree crews. It excludes logging and timber-harvesting operations.
Is this program available in all states?No. The program is currently offered on a non-admitted basis in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Are there coverage options for pesticide or herbicide application?Yes. Pesticide/Herbicide Applicator Coverage is available up to policy limits, and In-Transit Pollution Coverage is included as specified in the policy.
Can I add additional insureds for my client?Yes. Additional interests can be added for $100 each, and a Blanket Additional Insured endorsement option is available to streamline certificates and contract compliance.
What is the minimum deductible required?All accounts written through this program carry a $1,000 minimum deductible. Minimum premiums vary based on exposures and coverage choices.
Need help placing an account? Connect with a market specialist.