Tree service companies are among the most underserved businesses in the Workers’ Comp market. Many are excellent at their craft, but when it comes to securing affordable, sustainable WC coverage, they hit a wall.
What makes tree service so hard to insure?
- Chainsaws, chippers, and stump grinders = high injury potential
- Working at heights using ropes or lifts
- Unstable terrain and dangerous weather conditions
- Emergency storm response = unpredictable hazards and rushed safety decisions
- Class codes like 0106 or 106 flagged as “decline” by standard WC carriers
Even companies with good safety records are often:
- Non-renewed after a single serious claim
- Forced into the assigned risk pool with double- or triple-digit mod scores
- Left uninsured between seasons due to lapsed payroll or employee turnover
But not every carrier or partner is afraid of the risk. PEOs specialize in writing coverage for hard-to-place industries especially those doing elevated, outdoor, or equipment-heavy work.
Why agents turn to PEOs for their arborist clients:
- PEOs provide a true WC home for clients stuck in the assigned risk pool
- They work with underwriters familiar with tree care, not just general construction
- They allow your clients to grow without being penalized for past claims
If your tree service client was non-renewed, or if they’re still limping along in the pool—we can help.
We help agents find homes for their clients in high-risk industries. We provide Workers’ Compensation coverage to businesses in need, no matter the risk, and help agents find the best PEO coverage and savings for their insured. To learn how we can help you find coverage for your tree care clients, please reach out to receive a quote.
