Does Tree Service Insurance Cover Storm and Ice Damage Work?

In most cases, yes. A properly written tree service policy covers storm cleanup and emergency removals as part of your normal operations. The key is making sure your general liability limits are high enough, your equipment coverage includes cranes and bucket trucks, and your workers' comp reflects the actual climbing and cutting your crew does.

Ice storms and high winds hit Indiana, Illinois, and Michigan every winter, and when they do, tree crews are the first ones called. Storm work pays well, but it's some of the most dangerous work in the trade. Trees under tension, limbs on power lines, and damaged homes all add up to bigger claims. Here's what to check.

Am I covered for emergency tree removals?

If tree removal is listed on your policy, emergency and storm removals are generally covered under general liability. Where people run into trouble is when their policy was written for trimming or landscaping only. If you're taking down whole trees or working near structures, your policy needs to say so.

What if a limb falls on a house during removal?

This is the classic tree service claim. General liability insurance covers damage you cause to a customer's property, or a neighbor's, while you're working. For storm jobs where the tree is already sitting on the house, it's important to document the existing damage with photos before you start. That helps separate what the storm did from what happened during removal.

One thing to know: some general liability policies limit or exclude damage to property in your care, custody, or control. Ask your agent how your policy handles it.

Do I need higher limits for crane work?

Often, yes. Crane-assisted removals carry bigger risks, and many clients and general contractors require higher limits. A commercial umbrella policy can add an extra layer. You'll also want to confirm whether your crane is covered for rigging and lifting operations, since some policies treat that separately.

Is my equipment covered?

Chippers, stump grinders, bucket trucks, and cranes are expensive. Inland marine or contractor's equipment coverage protects them against theft, damage, and breakdown on the job. Your auto policy covers trucks on the road, but not necessarily equipment mounted on them.

Do I need workers' comp for storm crews?

Yes, and this is where tree services see the highest premiums. Climbing and cutting are classified as high risk work. Workers' compensation requirements differ in Indiana, Illinois, and Michigan, but almost every tree service with employees needs it. Hiring extra help after a storm? Make sure they're on your policy, not just paid in cash.

What about working near power lines?

Line clearance work is a specialty, and many tree service policies exclude it unless you're qualified and it's listed. If storm work puts your crew near energized lines, talk to us first.

Let's Get You Ready for Storm Season

When a storm hits, you want to be the crew that can say yes, with the coverage to back it up. We've worked with tree services and contractors across Indiana, Illinois, and Michigan for generations. Reach out and we'll review your policy before the next storm rolls through.

Disclaimer: This article is provided by Shurr Insurance Agency for general informational purposes only and does not constitute insurance, legal, or financial advice. Coverage availability, terms, and requirements vary by carrier and state. Please contact Shurr Insurance Agency to discuss your specific situation.