Hiring a tree service company that is insured protects the consumer from accidents that happen on their property. The risks of hiring a uninsured tree service or company that are often listed on classified sites like Craigslist, Backpage, etc… can sometimes be risky and can risk taking the responsibility of financial damages for injuries to the staff, the property and surrounding areas.
Liability Insurance – Some states require tree service companies to carry Liability insurance and some do not. Liability insurance covers the employees against any damages or injuries they cause while working on the property. In some cases, tree service companies carry such small policies or none at all and we recommend to ask the owner or manager for a copy of their insurance certificate and then contact the insurance carrier for confirmation. This will insure if something were to happen on your property that you will be covered for
any potential losses.
Workers Compensation Insurance – Employers carry workers’ comp insurance to protect their staff. Workers comp coverage pays for employees’ lost wages including medical and rehab costs if the employee is injured while working on your property. In some cases a homeowners policy will cover workers’ compensation coverage, however this type of policy usually restricts against a catastrophic loss for an uninsured business and not a personal claim.
Errors and Emission Insurance – Errors and omissions insurance protects you in case the certified tree Arborist fails to adequately perform the job or does not complete the requested work. This type of insurance coverage also is known as E&O insurance or professional liability coverage.
Here is an example of a tree service company gone wrong:
In conclusion, there is incredible danger by hiring uninsured or under insured tree service providers. The employers that exploits its employees and puts you the property owner at great risk. If their employee is injured on your property, you could be held responsible for medical and related costs.
Chip Off The Old Block carries the proper insurance coverage and has been providing safe and secure tree removal services in the valley with an impeccable record. Contact us today for a free tree service estimate by visiting www.AlYourTreesPal.com or by calling:
“I got a very reasonable quote and quite less than another company to remove a couple tree stumps. They were able to do the job two days later. Showed up early than expected which was great. The two guys that showed up were very nice and professional. They did the job in a timely manner and cleaned up before they left. I would definitely call on them again and recommend them to anyone!!!” – Susie Goeden
“They were quick, reasonably priced, very professional and did a wonderful job not only removing our tree, but cleaning up. I found COTOB through a referral on the Nextdoor app and have since referred him to others. Great experience!” – Jennifer Radack