Our Carrier Partners
As an independent agency, we represent more than 16 carriers who write tree care insurance. That access is how we find the right coverage at the right price — not just whatever one company offers.
Our Markets
Carriers We Represent
Each of these carriers has been vetted for their tree care appetite, financial strength, and claims experience. Not every carrier is available in every state or for every risk — we'll tell you which ones make sense for your operation.
Amerisafe
Workers' CompensationSpecialist in workers' comp for high-hazard industries. One of the strongest markets for tree care operations with significant payroll and challenging risk profiles.
West Bend
GL & Commercial LinesRegional carrier with a strong track record for small to mid-sized contractors. Known for responsive claims handling and competitive pricing on general liability.
Secura Insurance
Contractors PackageContractor-focused carrier offering package policies that combine GL, commercial auto, and inland marine — a clean option for operations that want consolidated coverage.
Goodville Mutual
GL & Commercial LinesRegional mutual carrier with a long history serving agricultural and rural businesses. A solid market for tree care operations in their footprint.
Liberty Mutual
Multi-LineOne of the largest commercial insurers in the country. Offers broad capacity across GL, commercial auto, workers' comp, and umbrella for established tree care businesses.
Travelers
Multi-LineNational carrier with deep experience in contractor risks. Strong underwriting capabilities and broad state availability make Travelers a reliable option across many risk profiles.
The Hartford
Small Business & CommercialA go-to carrier for small business commercial lines. Offers competitive GL and business owner policies for smaller tree care operations with straightforward risk profiles.
ICW Group
Workers' CompensationWest Coast-based workers' comp specialist with strong loss control programs. A preferred market for tree care operations in their licensing territory.
Crum & Forster
Specialty & E&SSpecialty carrier with capabilities in environmental and contractor lines. Useful for accounts with pollution or complexity that standard markets prefer to avoid.
Nautilus
Excess & Surplus LinesE&S market for risks that fall outside standard carrier appetite — large operations, challenging loss histories, or unique coverage needs that admitted carriers won't write.
Berkley Group
Specialty CommercialPart of the W.R. Berkley family of specialty insurers. Offers strong capacity for commercial and specialty contractor risks with flexible underwriting.
Navigators
Specialty LinesSpecialty insurer with particular strength in professional and environmental liability. A useful market when tree care operations need specialty coverage beyond standard lines.
Ohio Mutual
Regional CommercialOhio-based regional carrier offering dependable commercial coverage for contractors and small businesses in their operating territory.
UFG
Commercial LinesUnited Fire Group is a Midwest-focused carrier with solid commercial lines capabilities. Competitive for tree care operations with clean loss histories in their region.
The Hanover Group
Commercial & SpecialtyStrong independent-agency-focused carrier. The Hanover has invested in contractor capabilities and offers competitive packages for mid-sized tree care operations.
Frank Winston Crum
Workers' Compensation / PEOSpecialty workers' comp and PEO market. Particularly useful for tree care businesses exploring alternative workers' comp structures or needing flexible payroll-based solutions.
Carrier availability varies by state, coverage type, and individual risk profile. Not all carriers write all lines in all states. TreeGuard will identify the best available markets for your specific operation.
Why It Matters
The Value of an Independent Agency
A captive agent represents one company. An independent agency represents many. For tree care — a specialty risk that carriers price differently — that distinction matters more than most people realize.
More options mean better pricing
When we submit your risk to multiple carriers simultaneously, they compete for your business. That competition typically produces better rates than going to a single carrier directly.
The right fit for your specific risk
Not every carrier prices tree care the same way. Some favor large payrolls; others prefer smaller owner-operator accounts. We know which carriers prefer which risk profiles and route your submission accordingly.
Admitted vs. E&S options
Most tree care risks place in the standard admitted market. But accounts with complex loss histories or unusual operations sometimes need E&S markets like Nautilus. We have access to both.
Long-term relationships that help at claim time
We've worked with these carriers repeatedly. When a claim comes in, a relationship with the underwriter is worth more than most people realize.
Our Process
How We Find the Right Carrier for You
Understand Your Operation
We start by learning about your business — your services, your crew size, your equipment, and your loss history. The more we know, the better we can match you to the right markets.
Identify the Best Markets
Based on your profile, we identify which carriers in our network are the best fit. Not every account goes to every carrier — we route your submission to markets with a genuine appetite for your risk.
Compare and Advise
We come back to you with options — not just prices, but an explanation of what each policy covers, where the differences are, and which one we recommend for your situation.
Bind and Service
Once you've made your decision, we handle the placement and remain your ongoing point of contact for certificates, endorsements, renewals, and claims questions.
Ready to see what our carrier network can do for your business?
Tell us about your operation and we'll go to work identifying the best options from our 16+ specialty markets.