Having trees in your yard is a big responsibility, as they often require occasional services to maintain their health. While some services can be attempted on your own, others are much too dangerous to try without having the proper tools and equipment. If you have a tree on your property, you may be wondering about tree service insurance and what it can cover.
There are a few different kinds of insurance that can cover tree services. Some options cover the services themselves, and some cover your finances and property should something bad occur while those services are being performed. Knowing which types of insurance you need to have and which ones you should make sure your tree service professionals have is very important.
Professional arborists like Mr. Tree will be happy to supply you with proof of all insurance information and details on what is covered under it. In the meantime, here are a few tree service insurance options you should be aware of.
If you’re wondering whether there are any insurance options that you can have as a homeowner to protect your trees and the property surrounding them, you’re in luck. Though the list isn’t that long, there are a couple of options available to you. One of those options is homeowners insurance, and while it may not cover services like tree pruning and trimming, it has the potential to cover a much larger tree service cost.
Homeowners insurance typically covers the cost of tree removal, but only under certain circumstances. For instance, the health of your tree and the reason it needs to be taken down are both taken into consideration before insurance will agree to cover any costs.
If your tree is suffering from disease, hollowed out, or badly damaged by animals or humans, you may not be eligible for coverage under this option. If your tree is otherwise in good condition, you’ll need to also have some natural interference to have any costs covered for tree service. That’s where storm damage may come into play.
Insurance policies typically cover damages from natural perils, which include lightning, wind, and the weight of ice and snow. If your tree is in danger of falling due to a natural peril, then your homeowners insurance will most likely cover the cost.
Homeowners aren’t held responsible for the way natural perils damage otherwise healthy trees or their surroundings. This insurance option will cover the cost to remove the tree if it hasn’t fallen yet, as well as the removal of tree debris should it fall down.
Another thing home insurance will cover is any damage to your property sustained from a tree falling as a direct cause of natural perils, so having this insurance can come with a lot of benefits. Make sure to double-check that your homeowners insurance includes natural perils in its clauses, and you’ll most likely be covered should you need tree removal services for this reason in the future.
General Liability Insurance
As we said before, not all insurance options that cover tree services need to be obtained by property owners themselves. Many tree service insurance options are actually the responsibility of those doing the work. General liability insurance is just one of the insurance options that you should make sure your tree service company has. This is the most basic and standard insurance option for businesses to have, as it protects them from the most common accidents sustained while performing tree service work.
For property owners, general liability insurance protects their property and home from any damage sustained by workers while performing a tree service. Because tree servicing is such dangerous work and involves moving large materials, it’s not uncommon for a property to become damaged in the process. General liability insurance ensures that the property owner isn’t responsible for covering the cost of these damages. This insurance also protects the business from being solely responsible for these costs.
When checking a business’s general liability insurance, it’s important to make sure that it says they’re protected while performing tree work specifically. This will keep them protected under their policy while performing all aspects of their job, including climbing high into trees.
Worker’s compensation is another type of insurance that professional tree service companies like Mr. Tree have that protects both you, the homeowner, and the people working on your property. In the event that a worker sustains an injury while on the job, they may need to be taken for professional medical care. Depending on the severity of the injury, they may also face a large sum for hospital bills, and without the proper worker’s compensation insurance, the business owner can become responsible for the full cost of those medical bills. In instances where the business owner cannot pay, the homeowner can then become responsible for those bills.
Medical bills aren’t the only thing covered by worker’s compensation insurance. Lost wages are also included. When a worker is out of work for a certain amount of time due to an injury they sustained while working, they’re also entitled to the money they would have been paid if they were able to work their normal hours. When your tree service company doesn’t have worker’s compensation insurance, this responsibility can fall on the homeowner too. For this reason, it’s important to ask for proof of insurance from the tree professionals you hire.
Any professional tree service company will be happy to provide property owners with proof of their insurance. It’s a large part of what separates professional companies from unprofessional companies. A business that takes pride in protecting itself, its workers, and its customers is one that you can likely rely on. Requesting a certificate of insurance from a business will show you what is covered as well as confirm the insurance policies are up-to-date and will remain in effect during the time working on your property.