How much does Tree Service insurance cost in Fargo, North Dakota?

The estimated annual cost for a Tree Service in Fargo with one employee is between $1735 and $2551. The state base rate is $810.

What insurance is required for a Tree Service in North Dakota?

In North Dakota, businesses are subject to a 5.0% insurance tax. Tree Services typically need General Liability due to a risk factor of 2.4.

Tree Service Insurance Cost in Fargo, North Dakota (2026 Guide)

Estimated Cost (2026)

Adjust based on your team size

Number of Employees1

Just me (1)Team (20)

$1735-$2551

Estimated Annual Premium

Monthly Average Breakdown

$170 / 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$810
Fargo Multiplier1x
State Tax Rate5.0%

Local Compliance FAQ

Is General Liability required in Fargo?

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

Why is the rate different here?

Your premium reflects North Dakota's specific base rate of $810 and a local city multiplier of 1x.

How much does Tree Service Insurance cost in Fargo?