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Tree Company Insurance Explained: Coverage Every Arborist Needs

Tree Company Insurance Explained: Coverage Every Arborist Needs

Insurance for tree service providers in Atlanta, GA helps cover injuries, damages, stolen equipment, and lawsuits. Essentially, anything…

Jan 14,2026

Insurance for tree service providers in Atlanta, GA helps cover injuries, damages, stolen equipment, and lawsuits. Essentially, anything that can damage your bottom line is the reason arborists carry insurance. If you need routine trimming and pruning or are considering a full tree removal, ensuring the company you hire is insured and bonded is crucial for peace of mind. If a tree company does not have the proper insurance, it is a red flag you should not ignore. At Sesmas Tree Service, we prioritize your safety and well-being, ensuring every expert in our team is certified and protected by the proper insurance. Before signing off on any work, here’s what you should know about the insurance a tree company should have.

Tree Company Insurance Explained: Coverage Every Arborist Needs

Common Insurance for Tree Services

While insurance policies vary, there are several categories for tree services based on your needs. If you have a tree care project planned, the service provider should have one of these insurance plans.

General Liability

The most common insurance for tree companies or landscaping businesses is general liability. This policy basically covers issues like property damage, injuries, and other types of liability. As the most basic form of insurance, it’s crucial to ensure that the tree care service has a current policy, which may be backed up by more detailed coverage.

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Commercial Umbrella Liability

Insurance providers often recommend commercial umbrella liability as an "add-on" to general liability insurance. A reputable tree company may use this to provide extra coverage, boosting the existing liability policy. This type of policy often comes in handy during injury or legal issues, as it covers medical expenses and settlements if necessary. By adding this extra protection, tree services show their commitment to your safety and overall experience.

Commercial Property Insurance

As the name suggests, this type of insurance protects the physical business, as well as the tools, materials, vehicles, and equipment housed within. This is a good idea for businesses seeking protection against accidents such as flooding, fires, and theft, as well as natural disasters. However, commercial property insurance only covers damage to the physical property, so issues like stolen equipment off the truck may not be included in the coverage provided.

Commercial Auto Insurance

Vehicles that are used for tree services, whether it is transporting equipment or hauling trash following a tree removal, can be covered under this policy. Some of the vehicles commonly covered under these policies include service vans, trucks, and other utility vehicles. In the case of property damage or a collision, commercial auto insurance can protect you and the tree service provider.

Worker’s Compensation

A tree company that offers workers’ compensation to employees shows commitment to safety and creates a better working environment. In the event of injuries on the job, workers’ compensation can pay for the medical bills, lost wages, as well as treatment expenses. If the risk of injury is higher, either due to dangerous materials or equipment, ensuring the arborists have workers’ compensation is crucial.

Customer Reviews

3 large Leyland Cypress trees removed near front of our home. Excellent service, professional crew, very competitive pricing for superior work! Rolando provided the initial estimate and the  follow up and was the best in terms of customer relations. I'd both use this company again AND highly recommend them.

Susan Hitchcock

This is the 2nd time we have used Sesmas Tree Service. They are a wonderful company to deal with. They were on time, professional, and very thorough. They cleaned up prior to leaving and went out of their way to protect our plants and landscaping. And they kept to their proposal with no hidden cost or add ons. Definitely a five star experience!

Gene McFadden

Wow!  I deal with tree services in my professional work and I can honestly say Sesmas is by far the most professional, best equipped, efficient, safety conscious, and communicative service I've ever encountered.  Their price was very reasonable and they even went so far as to include additional work without increasing the price.  Call them!  Now! They are very quick to respond.

Scott McLendon

We've used Sesmas several times and have always received excellent service.  Estimates are quick and easy and the crew is efficient and leaves the property clean of debris.  Recently we needed a tree removed next to a heavily landscaped area.  Sebastian went over everything with me in detail and listened to my concerns.  The crew did an excellent job in removing the tree with minimal disturbance to the surrounding area.  We are pleased and will consider them again in the future for pruning and tree removal.

Tonia Griswold

Sesmas Tree Service was amazing! I had two dead trees cut and a lot of trees that were already down on my property removed. Sebastian came out and sent the quote in writing within 24 hours. We were in the process of scheduling the service when a slot opened up sooner snd I was able to go ahead and get the work done. Everything was explained ahead of time for what to expect. The crew was very efficient and professional.  All of the work and cleanup was done in one day. I would recommend Sesmas for your tree cutting/cleanup needs.

LaDora Woods

I hired Sesmas to cut down a very tricky tree that was hanging over my house as well as a few large limbs. They did a great job and had the machinery to get the job done right.

Perry Hartman

Great experience with Sesmas. They were meticulous with my tree removal, safe and efficient. David’s communication throughout the process was much appreciated. Highly recommend!

Lindsay Ellenburg

Great experience with Sesmas Tree Service. The arborist who came out was a Board Certified Master Arborist, and you could immediately tell he knew his stuff. He took the time to explain what needed to be done, gave us clear options, and helped us feel confident from start to finish. The whole process was easy and professional. We’ll definitely use them again.

Ed Martin

Call a Professional Tree Service Provider

With all the different tree companies on the market, choosing the right one can make a big difference. Do not be shy to inquire about insurance coverage and other necessary documentation before signing off on any work. If a company is not forthcoming about their insurance policy and what it covers, steer clear, as it indicates they don’t have the protection needed to tackle tree projects.

Contact Sesmas Tree Service to book an appointment with our experts and learn more about insurance and how it can enhance your overall experience. We ensure compliance with local codes and regulations, providing peace of mind throughout the process.

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