How much does Tree Service insurance cost in Rochester, Minnesota?

The estimated annual cost for a Tree Service in Rochester with one employee is between $2006 and $2950. The state base rate is $920.

What insurance is required for a Tree Service in Minnesota?

In Minnesota, businesses are subject to a 6.9% insurance tax. Tree Services typically need General Liability due to a risk factor of 2.4.

Tree Service Insurance Cost in Rochester, Minnesota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$2006-$2950

Estimated Annual Premium

Monthly Average Breakdown

$197 / mo

Includes General Liability

Industry Risk Profile

Tree trimming and removal is highly dangerous work involving heights and heavy falling objects, commanding some of the highest premiums.

Risk Factor2.4x

Location Factors

State Base Rate$920
Rochester Multiplier1x
State Tax Rate6.9%

Local Compliance FAQ

Is General Liability required in Rochester?

While Minnesota law may not mandate it for all businesses, Tree Services often need proof of insurance to bid on local commercial projects in Rochester.

Why is the rate different here?

Your premium reflects Minnesota's specific base rate of $920 and a local city multiplier of 1x.

Compare Tree Service Insurance in Other Minnesota Cities

Tree Service in Minneapolis Tree Service in St. Paul Tree Service in Duluth

How much does Tree Service Insurance cost in Rochester?