Quick answer: California C-61/D-49 Tree Service contractors must carry workers' compensation now, even with no employees — CSLB does not allow them to file an exemption. C-49 Tree and Palm contractors need it as soon as they hire, and every active license needs it from January 1, 2028. They also need the $25,000 license bond. Asena quotes general liability for tree trimming and removal through several markets; workers' comp for tree work is written by few markets, so call us to review options.
D-49 Tree Service contractors in California — CSLB numbers
CSLB lists 2,467 active licenses with the D-49 classification (CSLB license file, September 2026). The most are in Los Angeles, San Diego and Orange counties. Many also hold a C-27 Landscaping license (650).
What CSLB requires
Every active license needs the $25,000 CSLB contractor license bond. LLC licenses also need a $100,000 employee/worker bond and $1M–$5M of liability insurance.
Workers' comp: required NOW for every active C-61/D-49 Tree Service license, with or without employees (Business and Professions Code §7125). From January 1, 2028 it is required for every active license.
What underwriters look at
Trimming vs. full removal and climbing
Work height and crane use
Stump grinding and chippers
Work near power lines (line-clearance work is specialized)
Damage to homes and vehicles from falling limbs
Workers' comp class codes (WCIRB, effective 9/1/2026)
Code
Description
Rate per $100
0106
Tree pruning, repairing or trimming
$12.393
Note: Advisory pure premium rates per $100 of payroll, before each carrier's own rating. Your actual premium depends on the carrier, payroll and experience.
Coverage we quote for this trade
General liability (several markets write this trade)
Commercial auto and hired/non-owned auto
CSLB license bond and contract bonds
Tools and equipment (inland marine)
Umbrella/excess
Workers' compensation: few markets write this trade — call us and we will tell you honestly what is available
What to have ready for a quote
Revenue and payroll; trimming vs. removal
Maximum climbing/work height and crane use
Chippers, stump grinders, trucks
Current policy and losses
Get a quote
Call (858) 925-9555 or request a review online — only your name, phone and email are required; we collect project details by phone. Asena Capital Insurance Services, CA License #6008596.
Frequently asked questions
Do tree service contractors need workers' comp in California?
Yes. Active C-61/D-49 Tree Service licenses must carry workers' comp now, even with no employees, under Business and Professions Code §7125.
What is the workers' comp code for tree trimming?
WCIRB class 0106, tree pruning, repairing or trimming. The 9/1/2026 advisory pure premium rate is $12.393 per $100 of payroll.