Independent brokerage · San Francisco, California
Insurance for tree care companies & hazardous contractors
Setpoint Insurance Services is an independent California brokerage for tree services and high-hazard contracting operations — the accounts standard markets hesitate on, including businesses that have been non-renewed or have recent claims.
How we work
Tell us about the risk
One message is enough to start: what the business does, where you are in your policy term, and what’s driving the search.
We prepare the submission
A complete, accurate submission, presented to the specialty and surplus lines markets suited to the risk — markets retail buyers can’t approach directly.
You compare real options
We explain the resulting quotes — including any differences in coverage terms — so you can decide with the trade-offs in view.
Coverage
What we place for tree care & contractors
Workers’ comp
The hardest line to place for tree work — what drives the premium and what helps a difficult account get written.
General liability
The sublimits and exclusions that matter, and why generic contractor GL often excludes tree work.
Equipment coverage
Chippers, cranes, stump grinders — scheduled vs blanket, rented equipment, and the gaps that surface after a loss.
- Workers’ comp
- General liability
- Equipment / inland marine
- Commercial auto
- Umbrella & excess
- Non-renewed & post-claim accounts
The 2026 news
The TCIA–ArborMAX endorsement is ending
TCIA and ArborMAX will conclude their endorsement partnership effective June 26, 2026. The announcement does not cancel existing policies — changes, if any, surface at renewal. We track what that does and does not mean for tree care companies.
What was announced
What was announced, what is unchanged, what is still unknown — with a dated changelog as the story develops.
Is ArborMAX shutting down?
The short, factual answer to the question tree care companies are asking — and what the announcement does not say.
Options after the endorsement ends
A neutral framework for comparing tree care insurance options at renewal — coverage, services, eligibility, and pricing.
Tell us what standard markets said no to
Non-renewed or post-claim? That’s our specialty — it won’t shock us. We reply within one business day, and the contact page explains exactly what happens after you write.
Got it. We’ll reply by email within one business day.