Alishahi InsuranceIndependent Insurance Broker
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Who insures it · 3 named markets · read 2026-10-28

Who insures Tree trimming?

Tree trimming is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

3 markets publicly write Tree trimming: NIP Group, Jencap, Arlington/Roe. 2 wholesalers, 1 program administrator. 1 on admitted paper.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

MarketWhat they say they writeWherePaperSource
NIP Group
Program administrator		TreePro program with comprehensive coverages for tree service, arborist and utility line clearing businesses of all sizes.
“Place your tree care accounts with the industry specialist – TreePro®”		all statesAdmittednipgroup.com · read 2026-10-28
Jencap
Wholesaler		Tree Trimmers listed under Target Classes of Business for its construction wholesale brokerage.
“Tree Trimmers”		not statedbothjencapgroup.com · read 2026-10-28
Arlington/Roe
Wholesaler		Construction & contractors placements; 'Tree Surgeons, Landscapers & Snow Removal' is a listed class; new ventures acceptable.
“Tree Surgeons, Landscapers & Snow Removal”		All states (producer territories listed; Midwest target market per home page)not statedarlingtonroe.com · read 2026-10-28

Only two verified. ArborMAX (TCIA-endorsed) could not be verified: the TCIA program URLs returned 404 and arbormaxinsurance.com shows only 'Launching Soon'. The Hartford E&S specialty-arborists page timed out on three attempts. Hortica and Arbor Insurance Group pages do not mention tree care. Colonial General's own site does not list tree trimmers and its CompleteMarkets storefront returned 403.

How Tree trimming gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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