4 Ways Tree Care Companies Can Strengthen Their Insurance Profile
Author, Rory Anderson, Partner, Account Executive, Rancho Mesa Insurance Services, Inc.
When it comes to insurance, your broker is responsible for representing your business to the marketplace. And, how your company is presented makes a real difference.
There is a clear distinction between a submission that includes only the basics—an application and loss runs—and one that provides a full picture of your operations, safety practices, and credentials. Underwriters respond more favorably to businesses that take risk management seriously and can show it.
So, what exactly helps you stand out in the eyes of an underwriter? What are they looking for when deciding whether or not to offer terms? Let us take a look at the factors that can move the needle in your favor.
1. Safety Culture and Documentation
A documented safety program goes a long way with underwriters. They want evidence that safety is part of your daily operations.
What helps:
Commitment from the leadership team that safety is a priority
Written safety manual and job hazard analysis process
Regular, documented safety meetings (tailgates and formal trainings)
PPE usage policies and enforcement
Process for documenting when clients decline recommended work—for example, if you advise removing a hazardous tree and the client refuses, a signed acknowledgment or internal log can help limit future liability
The more specific and consistent your documentation, the more confidence an underwriter will have in how your risk is managed in the field.
2. Fleet Management and Driver Oversight
Auto losses are one of the biggest concerns in the tree care industry. Underwriters pay close attention to how you manage your vehicles and drivers.
What helps:
Written driver policy, including MVR screening and standards
Use of telematics to monitor speed, location, and driving behavior
Formal accident investigation – written description, witness statements, and photographs
Regular vehicle inspections and maintenance logs
If you are actively managing fleet and driver risk, it sends a clear message that your team is working to prevent losses before they happen.
3. Claims History and What You Have Learned from It
Most companies have claims—it’s how you respond that matters most.
What helps:
Timely and accurate reporting of all claims
Documentation of corrective actions taken after an incident
Written loss narratives on large claims explaining root cause and what’s been done to prevent reoccurrence
Using the claim incident as a teaching tool to prevent similar accidents
Underwriters are more inclined to offer favorable terms when they see that you have taken steps to learn from past incidents and improve your processes.
4. Industry Credentials and Professional Involvement
Credentials and affiliations show that your company operates at a higher standard, and underwriters take notice.
What helps:
TCIA Accreditation
ISA Certified Arborists on staff
CTSPs (Certified Treecare Safety Professionals)
Active membership in associations like TCIA and ISA
These credentials reflect a commitment to professionalism, ongoing education, and adherence to industry best practices.
Insurance carriers make decisions based on how they perceive your risk. The companies that demonstrate strong safety practices, solid operations, and industry commitment typically secure better outcomes.
You also need a broker who understands your business and knows how to present it effectively. If your risk management efforts are not being clearly communicated to underwriters, the value of that work can get lost.
Partnering with someone who knows the tree care industry and how to advocate for you in the insurance market can make all the difference—not just in pricing, but in the kind of support and coverage you receive.
If you want to make sure your business is being represented accurately and competitively, contact me directly at randerson@ranchomesa.com or call me at (619) 486-6437.