St. Louis' Love Your Landscape GiveawayWe Carry Insurance to Protect YOU
Why is hiring a tree company with insurance so important? When you hire a company that is not bonded, licensed and insured, you, the homeowner, assumes all the risk and liability for accidents to any persons or property while the tree company is on the job.
For example: An uninsured worker falls from a tree and breaks his leg? He can sue you for damages. To add insult to injury, your insurance company may not cover the claim because they see it as your responsibility to hire a contractor that is properly insured.
Insurance Types & Why They Matter
Workers’ Compensation
A company’s Workers’ Compensation insurance covers injury to any owner or employee of the hired company. This includes:
- Cuts
- Falls
- Electrocutions
- Deaths
A company without workers’ compensation insurance puts the burden of liability on the homeowner. Yes, even though the person doing the job may be “paid” by the business, you will be liable.
Generally Liability Insurance
General Liability Insurance covers damage to your property. Some examples include:
- Falling trees and limbs
- Fires
- Damage caused by improperly used of equipment
This not only covers damaged to your home but surrounding property like decks, patios, pool, cars, and sheds.
Commercial Auto Insurance
Commercial Auto Insurance covers any damage done to property or person caused by company vehicles. This could include hitting the top or your home with a lift/cherry picker, running into your home, or hitting someone.
“It Probably Won’t Happen”
Hopefully not, but if you think the chances of an accident are minimal, know that 2 tree care professionals are killed every three days in America and more than 30,000 chainsaw accidents are seen in ERs each year. That ranks tree care professional at the top of the list for the nation’s most dangerous jobs.
