Arborist insurance is a type of insurance designed to protect tree care professionals from the financial costs of liability. If an arborist is sued for causing property damage or personal injury, their arborist insurance will cover the cost of legal defence and any resulting damages. Arborist insurance typically includes two types of coverage: third-party liability and first-party coverage. Third-party liability coverage protects the arborist from lawsuits filed by other people, while Many arborists also purchase workers' compensation insurance to protect themselves from work-related injuries financially.