People often ask if we are insured. Why is it such a big deal whether your certified arborist or tree care professional should be insured? If someone is working at your house or on your property, you as the owner of the property are the one who is ultimately responsible for the safety of any “guests” who come onto your property, even if they are uninvited. If someone walks onto your yard and slips and falls, YOU are responsible for their injuries.
When we work for a commercial enterprise we are labeled as a subcontractor. The “contractor” or owner makes sure we are have liability and workers compensation because the business owner knows that they would be liable for bodily injury, injured employees, or property damage if something happened during routine tree work because of an accident caused by us. If we are insured, the burden is taken from the contractor. Our business insurance protects the commercial enterprise from injury or property damage liability.
Most homeowners are unaware that they are “contractors” as well. If they allow someone on their property then they are the ones responsible, so homeowners need proof of insurance (such as a certificate of insurance) from everyone who works for them, including painters, roofers, certified arborists/tree service professionals, electricians, and other general contractors.
Working for a tree care company is a dangerous job that must be respected by those practicing. Tree trimming, removing a tree, as well as other tree care industry tasks can result in tree falls or other injuries. When you hire a tree professional, you feel that he should be able to come in and do his job correctly and safely, but sometimes the situation ends badly.
Here are two real case scenarios that actually happened to people who tried to save a few bucks rather than hire an insured company professional:
So yes, Stein Tree Service’s Certified Arborists and plant health care professionals are fully insured–to both protect our business and employees and to protect your business or home! Be proactive and investigate: always keep in mind that any contractor, and certainly a tree care professional should be insured.
We have over 35 years of experience serving residents and businesses in Wilmington, Newark and surrounding areas in Delaware, Pennsylvania, and Maryland. For skilled tree care services you can count on by licensed insured professionals, contact Stein Tree today at 610-723-8072.
Stein Tree Earns Permit to Work in Spotted Lanternfly Quarantine Areas
Stein has a permit to work in spotted lanternfly quarantine areas in Pennsylvania and Delaware. Tree Service Companies have to be trained in proper moving and disposal of materials to avoid spread of the spotted lanternfly and Stein has completed the training courses. Learn more.
Emerald Ash Borer Inspection
In the spring, destructive emerald ash borer (EAB) adult beetles begin to emerge. These invasive pests can destroy your ash trees. Our specialists are certified to treat for EAB in Pennsylvania and Delaware. For a free consultation, contact us today.