Oftentimes, lawn work requires more than just applying mulch or watering the grass. Perhaps your big, old tree died and you need to remove it since it’s a safety hazard. Of course, you will need more than just a pair of tree clippers to do this.
When it comes to tree removal, you will need the help of a professional. However, you shouldn’t just hire the first tree service you see on the internet. You need to do your research first, especially when it comes to insurance.
Today, we’re going to share with you the importance of insurance for a tree service Berkeley company.
Contact the Insurance Company
You may need to conduct some more research to ensure that your tree removal professional is insured if you don’t have proof of insurance from them. Don’t enter a deal with the contractor until you’ve double-checked this information. Insurance protects everyone engaged in tree removal, from the owner of the house to the tree removal technician and his employees.
Keep in mind that an insurance billing statement is not the same as an insurance certificate. In addition to that, it is not sufficient proof of insurance. These documents show insurance coverages, but they don’t verify that the contractor paid the bill or that it’s current. Call the insurance company to determine whether their coverage is still in place if your tree removal pro cannot give a current insurance certificate.
Request an Insurance Certificate
When looking for a tree removal company, don’t be afraid to ask lots of inquiries, particularly concerning insurance and certifications. Here are a few questions to think about:
- What is your insurance company’s name?
- Do you have a workers’ compensation insurance policy?
- Do you have a liability insurance policy in place?
You can seek proof of the insurance certificate if you want to take it a step further. Contractors are frequently willing to give this evidence, which is a valuable addition to your files.
Types of Insurance to Look For
Liability insurance and workers’ compensation insurance are two of the most critical forms of insurance for tree service providers. It is possible that the company’s website will disclose whether they are insured. However, this isn’t the case always. It’s critical to double-check this information to avoid possible expensive issues later on, such as job site injury or tree removal damage.
Worker’s Compensation
Workers’ compensation is another important sort of insurance that every tree removal professional should carry. This sort of insurance will cover both the contractor and the homeowner on the homeowner’s property, similar to liability insurance. Workers’ compensation assures that if an employee is hurt on the job, the contractor or firm is held liable. Because work-related injuries are among the most expensive claims, this is important for any type of contractor you hire, regardless of the project.
Liability Insurance
If there are any accidents during the tree removal process, liability insurance can come in helpful. It protects both the tree service company and the homeowner. If a lawsuit emerges as a result of physical injury or property damage, liability insurance provides legal protection.
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