Workers’ compensation & liability insurance are important factors when it comes to services provided to you as a homeowner.
If a non-insured person falls while performing tree work the liability can fall back on the homeowner.
By law, tree services are required to carry workers’ compensation, and we do. There are loopholes – ways to get around – paying the cost that is required for companies to have workers’ compensation…So be careful when selecting your service provider be cautious of the following:
- You DON’T want sub-contractors workers’ comp – which basically says in the policy (that you never see) is that if someone gets hurt working on your property, that they will pay your homeowners insurance deductible and claim it on your policy. Employee workers’ compensation means the company will pay their own deductible and claim it on their insurance.
- Confirm the RIGHT type of workers’ comp coverage. For example, being a construction contractor, you shouldn’t have your employees climb trees. Construction workers are not insured by workers comp to climb trees.
- Ensure workers’ comp coverage as a tree climber. Workers’ Comp Tree climber coverage has its own category. Ask for a copy of a company’s workers comp coverage and verify the policy is active and covers “TREE CLIMBING” Manual classification code 0106 (Tree Pruning). Just because they give you a piece of paper that shows a policy, do your due diligence and verify it is an active policy that covers tree climbing code 0106.