Spreadsheet template
Tree Service Cost Worksheet
Compare tree service insurance quote line items against published cost benchmarks.
How to use this tool
This worksheet helps tree service owners compare general liability, workers compensation, tools and equipment, commercial auto, and business owner’s policy quotes against published cost benchmarks.
Who this is for
Tree trimming, arborist, tree removal, stump grinding, and tree-care businesses comparing insurance quotes by coverage line.
When to use it
Use it when quotes start coming in or before renewal so each carrier’s monthly and annual premiums can be reviewed side by side.
How to use it
Enter each carrier name, type quoted premiums into the blank columns, and use the notes column to flag limits, deductibles, vehicles, payroll, and contract endorsements.
What you get
You get an XLSX or CSV worksheet with benchmark monthly and annual costs, three quote columns, formula-ready totals, and review notes for tree service insurance.
Tree Service Cost Worksheet
Compare tree service insurance quote line items against published cost benchmarks.
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Spreadsheet template
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You get an XLSX or CSV worksheet with benchmark monthly and annual costs, three quote columns, formula-ready totals, and review notes for tree service insurance.
Available as XLSX, CSV. The file uses the current field values.
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Spreadsheet preview
Updates as you type before download.
Spreadsheet preview
Updates as you type before download.
Business
________________
State
________________
Quote due date
________________
Coverage line
General liability
Benchmark monthly
138
Benchmark annual
1656
Benchmark source scope
TechInsurance median for tree companies applying through its marketplace; typical example used $1 million per occurrence, $2 million aggregate, and $1,000 deductible.
Quote 1 monthly
Quote 1 annual
Quote 2 monthly
Quote 2 annual
Quote 3 monthly
Quote 3 annual
Review notes
Check occurrence limit, aggregate limit, deductible, tree removal classification, additional insured wording, and whether completed operations are included.
Business
________________
State
________________
Quote due date
________________
Coverage line
Business owner’s policy
Benchmark monthly
181
Benchmark annual
2172
Benchmark source scope
TechInsurance cost point for tree trimmers; underwriting review decides whether a business owner’s policy fits the account.
Quote 1 monthly
Quote 1 annual
Quote 2 monthly
Quote 2 annual
Quote 3 monthly
Quote 3 annual
Review notes
Do not add this to general liability if the quote uses a business owner’s policy instead of a separate general liability policy for the same exposure.
Business
________________
State
________________
Quote due date
________________
Coverage line
Workers compensation
Benchmark monthly
TechInsurance applicant benchmark: $186 monthly
Benchmark annual
TechInsurance applicant benchmark: $2,235 annual
Benchmark source scope
TechInsurance cost point for tree service applicants; real premiums depend on payroll, employee status, state, and classification.
Quote 1 monthly
Quote 1 annual
Quote 2 monthly
Quote 2 annual
Quote 3 monthly
Quote 3 annual
Review notes
Compare payroll basis, owner inclusion or exclusion, waiver of subrogation charge, employee classification, and state requirements.
Business
________________
State
________________
Quote due date
________________
Coverage line
Contractor tools and equipment
Benchmark monthly
TechInsurance applicant benchmark: $57 monthly
Benchmark annual
TechInsurance applicant benchmark: $684 annual
Benchmark source scope
TechInsurance cost point for contractor tools and equipment among tree service applicants.
Quote 1 monthly
Quote 1 annual
Quote 2 monthly
Quote 2 annual
Quote 3 monthly
Quote 3 annual
Review notes
List chainsaws, climbing gear, stump grinders, trailers, rented equipment, deductibles, and whether items need scheduling.
Business
________________
State
________________
Quote due date
________________
Coverage line
Commercial auto
Benchmark monthly
TechInsurance applicant benchmark: $204 monthly
Benchmark annual
TechInsurance applicant benchmark: $2,448 annual
Benchmark source scope
TechInsurance cost point for tree service applicants; vehicle type, drivers, garaging, radius, and claims history change premiums.
Quote 1 monthly
Quote 1 annual
Quote 2 monthly
Quote 2 annual
Quote 3 monthly
Quote 3 annual
Review notes
Review pickups, bucket trucks, trailers, hired autos, non-owned autos, liability limits, physical damage, and driver details.
Business
________________
State
________________
Quote due date
________________
Coverage line
Selected coverage total
Benchmark monthly
=SUM(E2:E6)
Benchmark annual
=SUM(F2:F6)
Benchmark source scope
Benchmark total only adds the listed rows; remove either general liability or business owner’s policy if the quote does not include both.
Quote 1 monthly
=SUM(H2:H6)
Quote 1 annual
=SUM(I2:I6)
Quote 2 monthly
=SUM(J2:J6)
Quote 2 annual
=SUM(K2:K6)
Quote 3 monthly
=SUM(L2:L6)
Quote 3 annual
=SUM(M2:M6)
Review notes
Use totals only after removing duplicate or declined lines so the worksheet matches the actual quote package.
| Business | State | Quote due date | Coverage line | Benchmark monthly | Benchmark annual | Benchmark source scope | Quote 1 monthly | Quote 1 annual | Quote 2 monthly | Quote 2 annual | Quote 3 monthly | Quote 3 annual | Review notes |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ________________ | ________________ | ________________ | General liability | 138 | 1656 | TechInsurance median for tree companies applying through its marketplace; typical example used $1 million per occurrence, $2 million aggregate, and $1,000 deductible. | Check occurrence limit, aggregate limit, deductible, tree removal classification, additional insured wording, and whether completed operations are included. | ||||||
| ________________ | ________________ | ________________ | Business owner’s policy | 181 | 2172 | TechInsurance cost point for tree trimmers; underwriting review decides whether a business owner’s policy fits the account. | Do not add this to general liability if the quote uses a business owner’s policy instead of a separate general liability policy for the same exposure. | ||||||
| ________________ | ________________ | ________________ | Workers compensation | TechInsurance applicant benchmark: $186 monthly | TechInsurance applicant benchmark: $2,235 annual | TechInsurance cost point for tree service applicants; real premiums depend on payroll, employee status, state, and classification. | Compare payroll basis, owner inclusion or exclusion, waiver of subrogation charge, employee classification, and state requirements. | ||||||
| ________________ | ________________ | ________________ | Contractor tools and equipment | TechInsurance applicant benchmark: $57 monthly | TechInsurance applicant benchmark: $684 annual | TechInsurance cost point for contractor tools and equipment among tree service applicants. | List chainsaws, climbing gear, stump grinders, trailers, rented equipment, deductibles, and whether items need scheduling. | ||||||
| ________________ | ________________ | ________________ | Commercial auto | TechInsurance applicant benchmark: $204 monthly | TechInsurance applicant benchmark: $2,448 annual | TechInsurance cost point for tree service applicants; vehicle type, drivers, garaging, radius, and claims history change premiums. | Review pickups, bucket trucks, trailers, hired autos, non-owned autos, liability limits, physical damage, and driver details. | ||||||
| ________________ | ________________ | ________________ | Selected coverage total | =SUM(E2:E6) | =SUM(F2:F6) | Benchmark total only adds the listed rows; remove either general liability or business owner’s policy if the quote does not include both. | =SUM(H2:H6) | =SUM(I2:I6) | =SUM(J2:J6) | =SUM(K2:K6) | =SUM(L2:L6) | =SUM(M2:M6) | Use totals only after removing duplicate or declined lines so the worksheet matches the actual quote package. |
Preview of downloaded spreadsheet template
Updates as you type before download.
Preview of downloaded spreadsheet template
Updates as you type before download.
Next steps
- Enter real quote premiums before comparing totals; benchmarks are not quotes for your account.
- Remove either general liability or business owner’s policy if both rows would count the same liability exposure.
- Ask each carrier or agent to explain exclusions, limits, deductibles, and endorsement charges in writing.
- Use Trades Coverage to compare tree service insurance options for your state and operations.
What this includes
Download formats
XLSX, CSV
Fields
Business name, State, Carrier 1 name, Carrier 2 name, Carrier 3 name, Quote due date
Spreadsheet columns
Business, State, Quote due date, Coverage line, Benchmark monthly, Benchmark annual, Benchmark source scope, Quote 1 monthly, Quote 1 annual, Quote 2 monthly, Quote 2 annual, Quote 3 monthly, Quote 3 annual, Review notes
Document sections
How to use the worksheet, Quote review checks
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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026
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