When it comes to hiring a tree service, it's important to make sure they have the right insurance coverage. Tree contractors must have general liability insurance and workers' compensation to protect people and property from unexpected damage or problems. Professional liability insurance, also known as Errors & Omissions, provides coverage in cases where a tree care professional has provided false information or bad advice. It is recommended that tree service companies have this type of policy to protect against any dispute over possible negligence.
Inland marine insurance is another type of coverage that protects the onshore equipment used by tree companies. This could include the theft, damage, or loss of chainsaws, ladders, stump shredders, tablets and computers. If you hire a company to grind logs or any home service, you want them to at least have general liability insurance and workers' compensation insurance. This type of coverage protects you and the company in the event of an accident. Professional liability insurance and inland marine insurance plans are also important for tree companies.
Before booking work, ask any professional you're considering hiring about licenses and insurance coverage. Tree service insurance is coverage for businesses that prune, maintain and remove trees. General liability coverage is the most common for tree trimmers. It could minimize your company's out-of-pocket costs after an accident and reassure customers who might hesitate to hire you. The cost of tree maintenance insurance depends on several factors, such as your coverage needs, number of employees, and claim history. Making sure you hire a tree service company with the right insurance protects you and the company from any accident or damage.
Since some companies may not have any insurance, decide what your tree service insurance requirements are and then request proof that they do. Work-related injuries are some of the most expensive claims, so having comprehensive workers' compensation coverage is essential for any tree service company. It's important for tree companies to be insured because removing, pruning and pruning trees are hazardous jobs. That's why your tree service should have both of these types of insurance, and that's why it's in your best interest to do a little legwork to find out. Well, if a tree service employee suffers an injury while working on their property and the company does not have this insurance, they may be at risk of suffering any loss that may occur as a result. This freedom means that they can cover businesses that other insurance companies can't cover, such as pruning, removal, and tree service.
If the tree service doesn't have insurance, they may not be able to pay you even if you win the case. And since any injury or damage that occurs on your property can cause you legal and financial problems, the only way to protect yourself is to ensure that the tree care service is sufficiently insured. If the company is properly insured, many issues that arise during tree service projects will be covered. After a tree service confirms that they are insured, you should evaluate the validity of your claims.