PA Workers Comp Calculator
Tree service work carries some of the highest workers' comp rates in Pennsylvania. Working at height in trees with chainsaws creates a unique combination of severe hazard factors. Understanding your options and managing safety aggressively is essential.
Tree service workers face extreme injury rates from falls from trees and aerial lifts, chainsaw injuries, struck-by injuries from falling limbs and trees, and electrical contact with overhead power lines. The industry has very high loss costs reflecting the frequency and severity of these incidents.
Common Workers' Comp Risks in Tree Service & Arborists
- ▸ Falls from trees and aerial lifts
- ▸ Chainsaw injuries (kickback, contact)
- ▸ Struck-by injuries from falling limbs
- ▸ Electrical contact with overhead power lines
- ▸ Crush injuries from log splitting and chipping
- ▸ Vehicle accidents transporting equipment
How to Reduce Your Workers' Comp Cost in Tree Service & Arborists
Industry-specific strategies that lower your premium — not generic advice.
- Require ISA certification or equivalent training for all climbers
- Never work within 10 feet of energized power lines without utility coordination
- Implement a 100% tie-in policy for all tree climbers
- Separate ground crew payroll from climber payroll where possible
- Keep accurate records for any aerial lift vs. climbing work
Calculate Your Tree Service Workers' Comp Premium
Enter your actual payroll, class code, LCM, and EMR for a personalized 2026 estimate.
Frequently Asked Questions — Tree Service & Arborists Workers' Comp in PA
Why is tree service workers' comp so expensive in Pennsylvania?
Tree service work involves chainsaw use at height in unstable environments (tree canopies) near overhead power lines. This combination of hazards produces some of the highest injury rates and claim severity of any occupation. The PCRB's loss cost for Code 061 reflects this actuarial reality. Compare it to roofing, the other highest-cost PA trade.