Whether you’re ready to stop spending the weekend trimming dead branches, or it’s finally time to remove that sick oak tree, there are many benefits to outsourcing your regular tree service to a professional. Many homeowners will opt to get multiple quotes before making a decision on which tree care company to hire.
When researching different contractors, it’s important to ask about insurance coverage. Learn about tree service insurance requirements to make sure you’re covered at all times.
what are the insurance requirements for tree services?
Tree servicing is a job that carries a great deal of risk for workers, who must maneuver around power lines, tackle fallen tree limbs, and work with heavy equipment. That’s why it’s a good idea to leave these tasks to professionals and hire outside contractors.
As such, you’ll need to consider what’s important when hiring a tree service and take the time to do some research. hiring a company without insurance can mean that any damage or accident that occurs on your property is your responsibility. this can also leave you vulnerable to lawsuits.
Some tree contractors may operate a business without any insurance, so it’s crucial that you research them properly before hiring them. Look for a tree company or contractor with general liability and workers’ compensation insurance, at a minimum.
types of insurance coverage for tree service contractors
a professional can make your garden look perfect all year round. But before that happens, use these tips to find the best tree service company for your needs. Your tree service company should carry both general liability and workers’ compensation insurance, but there are a couple of other options that would be great for them as well.
Don’t assume a tree service company that says it’s insured has adequate coverage. There are several different types of insurance that help cover a variety of potential situations. Having the right insurance policies helps mitigate the risks when hiring a contractor for any type of tree removal, pruning, or other maintenance.
Since some businesses may not carry insurance at all, decide what their tree service insurance requirements are, and then request proof that they do. Here’s a look at the various types of insurance for tree service contractors.
general liability insurance
General liability coverage is comprehensive insurance that protects both the owner and the tree business in the event of an accident or damage. If bodily injury or property damage occurs during the course of the job, a general liability policy will offer protection in the event of a lawsuit.
professional civil liability insurance
Professional liability insurance provides coverage in cases where a tree care professional provided false information or bad advice. this type of policy is also known as errors & omissions, and it is recommended that tree service companies carry this type of policy to protect themselves against any disputes over possible negligence.
inland marine insurance
Although the name sounds nautical, inland marine insurance refers to land-based equipment used by forestry companies. This type of coverage protects tools and supplies that may be transported from the business location to the job site. this could include theft, damage, or loss of chainsaws, ladders, stump grinders, tablets, and computers.
workers compensation insurance
Work-related injuries are some of the costliest claims, so having comprehensive workers’ compensation coverage is essential for any tree service business. As a homeowner, you accept potential liability for any accidents or damage that may occur on your property, and this coverage protects you as well. no matter how big or small your tree service is, all employees should be protected with adequate workers’ compensation insurance.
request an insurance certificate
Any reputable company will have no problem sharing your insurance certificates, so don’t be afraid to ask! Tree removal can be a dangerous job, and double-checking for proper tree insurance coverage will help protect everyone. Before hiring a tree service professional, ask for copies of your policy documents and wait to enter into a contract until you’ve had a chance to review them.
hire a tree service company you trust
As with most large projects, it’s a good idea to bring in a few different companies to evaluate and provide quotes. Be sure to ask the representative what kind of training their tree crews have and how they maintain a safe environment for both workers and owners.
Decide what your insurance requirements are for tree service companies and have them confirm that they have those types. Search online to find great local tree service contractors, read reviews, and find exactly the right business for your needs.