How Much Is Insurance for Tree Trimming in Aspen Hill, MD?

If you’re a homeowner in Aspen Hill, MD, making sure the tree service company you hire professional proper insurance is one of the most important steps you can take. Many people focus only on price, but understanding the insurance behind the service can protect you from major liabilities.

Whether you’re planning routine maintenance or handling an urgent tree concern, here’s what you should know about the cost of insurance for tree trimming companies—and what it means for you.

Why Insurance Matters for Tree Trimming

Tree trimming is a high-risk job. Workers climb tall trees, handle chainsaws, and work near power lines. That’s why reputable companies carry insurance such as:

• General liability insurance

• Workers’ compensation

• Commercial vehicle insurance

• Equipment coverage

If something goes wrong—property damage, injuries, falling branches—the right insurance protects both you and the service provider.

Typical Insurance Costs for Tree Service Businesses

While homeowners don’t pay for the insurance directly, understanding what companies pay helps explain differences in pricing.

On average in Maryland:

• General liability insurance for tree trimmers typically ranges from $350 to $1,200 per month, depending on coverage limits and risk factors.

• Workers’ compensation often ranges from $500 to $2,000+ per month, especially for companies with climbers.

• Commercial auto insurance may cost $250 to $500 per vehicle per month.

These high business expenses play a major role in the pricing of tree trimming services. Companies that operate extremely cheaply are often cutting corners—usually insurance is the first thing they skip.

How This Affects Homeowners

When you hire a properly insured team:

• You avoid liability if a worker gets injured

• You’re protected if a branch falls and damages your home

• You gain peace of mind knowing you're working with trained, responsible Local professionals

Paying slightly more for a fully insured company is almost always cheaper than dealing with uninsured accidents.

Factors That Influence Insurance Costs

Insurance providers consider several risk elements, including:

• Number of employees

• Whether the company uses climbers or bucket trucks

• Previous claims history

• Location (Aspen Hill has moderate risk due to tree density and storms)

• Type of tree services offered

As a result, no two tree service businesses will have the same insurance rates or identical pricing structures.

How to Verify a Company’s Insurance

Before hiring anyone, always ask for:

• Certificate of Insurance (COI)

• Coverage limits

• Proof of workers’ compensation

• Updated expiration dates

A reputable company will gladly share this. If someone refuses or hesitates, consider it a red flag.

Why Homeowners in Aspen Hill Trust H&E Tree Service & Landscaping

At H&E Tree Service & Landscaping, our team carries all necessary insurance to keep your property and family protected. We believe in transparency, fair pricing, and safe work practices—values that matter when you're inviting a crew onto your property.

H&E tree service & landscaping
2621 Bel Pre Rd, Silver Spring, MD 20906
240-516-4354