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Tree and pruning services business insurance in Quebec

Do you run an arboricultural and pruning services company in Quebec? Tree felling and pruning is one of the riskiest activities: a falling branch or tree can damage a building, a vehicle or injure a person. Assur360 is an independent comparator that puts you in touch with AMF-certified partner firms. The brokers of our partner firms compare more than 9 insurers specializing in commercial insurance to find the right coverage for your business, at the best price and at no cost.

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Tree and Pruning Services Business Insurance

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Essential Covers for Your Tree and Pruning Services Business

Falling trees and branches

Covers damage to buildings, vehicles and people caused by a falling tree or branch during your work.

Pruning equipment and aerial work platforms

Chainsaws, chippers, cherry pickers and equipment covered against breakage and theft.

General liability $2 million to $5 million

Covers bodily injury or property damage that your business may cause to a customer or third party during the work. This is the basic protection required by most clients.

Tools and Equipment

Theft, breakage or loss of your tools and equipment, on the jobsite, in the shop or in the vehicle.

Property and materials on site

Materials supplied and work being installed before final acceptance by the customer.

Vehicles and commercial fleet

Company trucks, vans and trailers, with coverage of the equipment being transported.

Risks specific to the profession of arboriculturist-pruner

Risk profile of the profession

Tree felling and pruning is one of the riskiest activities: a falling branch or tree can damage a building, a vehicle or injure a person.

Compliance and licensing

Even if this profession does not always require an RBQ license, proof of civil liability insurance is almost always requested by your commercial and institutional clients before the start of the work.

One comprehensive policy

Most businesses like yours bundle liability, tools, equipment, vehicles and property into a single comprehensive commercial policy — often better and simpler than separate policies.

Frequently asked questions

Am I covered if a tree I cut down falls on a house?
Yes, civil liability covers damage caused unintentionally to third parties. This is one of the most common complaints in the trade — a high limit is recommended.
Is pruning considered a high-risk profession?
Yes, because of working at heights and cutting equipment. A few insurers specialize in this area; Comparing them allows you to obtain a fair premium.
How much does insurance cost for an arboricultural and pruning services company in Quebec?
The premium varies depending on your sales, the number of employees, your specific activities, your claims history and the limits chosen. As an indication, the civil liability of a small contractor is often between $500 and $1,800 per year, but the exact premium is established after analyzing your file. Comparing several insurers remains the best way to get a fair price.
What insurance is necessary for an arboriculturist-pruner in Quebec?
The law does not impose civil liability on all companies, but your clients, clients and the Régie du bâtiment almost always require it. If you have employees, registration with the CNESST is mandatory.
Does my home insurance cover my business if I’m self-employed?
No. A home insurance policy excludes commercial activities. You need separate business insurance to cover your liability, tools, and professional equipment.
Am I covered if one of my employees is injured on a construction site?
Employees’ occupational injuries are covered by the CNESST’s public plan, to which you must contribute. Instead, your business insurance covers your liability to third parties as well as your property.
Are my tools covered if they are stolen from my truck?
Yes, with the Tools and Equipment endorsement, your tools are covered against theft and breakage, including off-site and in your vehicle. Check the applicable limit and deductible.

Why choose Assur360

  • ✓ Independent comparator : we compare more than 9 insurance companies for you
  • ✓ AMF-certified partner firms and members of the Chambre de l’assurance
  • ✓ 100,000+ Quebecers have already trusted our network
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  • ✓ Quote in 3 minutes, online or by phone
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