Why Hiring an Insured Tree Company Protects Your Home (and Your Wallet)
Why Hiring an Insured Tree Company Protects Your Home (and Your Wallet)
What Happens If a Tree Contractor Isn’t Insured?
If a contractor is uninsured and something goes wrong, the responsibility can fall on you as the homeowner. This includes damage to your home, vehicles, or neighboring properties.
How Liability Falls Back on the Homeowner
Tree work involves significant risk. If a worker is injured on your property or a tree damages a structure, you may face:
- Insurance claims against your homeowner’s policy
- Increased premiums
- Potential legal action
Why Certificates of Insurance Can Be Misleading
Some contractors present outdated or invalid insurance certificates. A policy may appear active on paper but could be canceled due to non-payment. This creates a false sense of security for homeowners.
How to Verify a Tree Company’s Insurance the Right Way
Always request a certificate of insurance directly from the contractor’s insurance provider—not the contractor themselves. This ensures:
- Coverage is active
- Policy limits are appropriate
- You’re fully protected
Frequently Asked Questions
What insurance should a tree company have?
General liability and workers’ compensation insurance are essential.
Can I be liable if a worker gets injured?
Yes, if the company lacks proper coverage, liability can shift to the homeowner.
How do I verify a company’s insurance?
Request proof directly from their insurance agent.
Why do insured companies cost more?
They carry significant overhead to protect you from risk—something uninsured operators do not provide.
Get a Free Estimate
For more information or to schedule a service, call us at 860-673-2564 or complete the contact form.
