If you hire a tree service company to trim, cut down, or otherwise care for the trees on your property, it’s vital to make sure the company is fully bonded and insured. Without proper coverage for contractors and their equipment, you accept substantial risk with costly repercussions. Here’s a look at three types of insurance a reputable tree company should have:
General Liability Insurance
General liability insurance protects against any damage to your property caused by tree care (fences, sheds or other structures, including the home). When removing a dead tree or trimming large limbs, there’s an element of danger that shouldn’t be ignored. For example, when incorrectly used, tree service equipment can damage electricity lines or even start fires. Even when executed properly, sharp tools, heavy trees and extreme heights make tree care risky.
Note: Most Homeowners Insurance policies don’t cover harm or injury caused by service companies, so it’s your responsibility to ensure all contractors have enough coverage.
Did you know tree care professionals have one of the most dangerous jobs in the country? Since technicians use heavy, sharp equipment and spend time in trees and on ladders, they need protection against injury. A high-quality tree service company should carry Workers Compensation for all contractors that protects against cuts, falls, electrocution, or any other on-the-job injury.
Commercial Auto Insurance
It may not occur to you to check that your tree service company has auto insurance, but cars (along with structures) can be damaged during certain maintenance jobs. Many new or unprofessional companies skip this coverage, but as the property owner, you would be liable for any relevant vehicle damages.
In addition, any harm caused by their vehicle would fall under this umbrella, as well. That means if they run over someone or hit a mailbox/other vehicle with their car, you could be responsible for expenses.
The Bottom Line
Tree servicing is dangerous work that requires significant insurance coverage. Not only can structures or vehicles get harmed during work, but individuals can be injured, as well. As a conscientious homeowner, you want to make sure you don’t incur unnecessary risk. To protect yourself and your property, make sure to fully research any tree service company you hire, making proper insurance coverage a top priority.
To learn more about how routine tree maintenance can help keep your trees happy and healthy, call Gordon Pro Tree Service in Buford, GA at 770-271-6072.