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The Importance of Tree Service Insurance

By Stein Tree
Posted on June 7, 2023

Homeowners sometimes hire landscaping companies to perform tree care services such as trimming and pruning, and maybe even tree removal. They may make this choice because the company offers a low quote for services, or because they have already hired the company for landscaping services. Such homeowners assume that the landscaping company knows how to do the requested work and that they are licensed and insured. And they may even be licensed and insured as landscapers. However, homeowners often fail to realize that landscaper insurance may lack the required coverage for tree care services. Today we want to help you understand the difference between tree service insurance and landscaper insurance so you are aware when hiring a professional to maintain your property.

Hiring a professional tree service business like Stein Tree Service ensures that your trees are cared for by experienced and certified professionals with the necessary insurance coverage to protect your property and our employees.

The Difference Between Tree Service Insurance and Landscapers Insurance

Landscapers’ insurance typically covers general liability, property damage, and worker’s compensation. However, tree services often involve additional risks, such as working at sometimes great heights, using specialized and dangerous equipment, and potential damage to nearby structures. These risks are not typically covered under a standard landscaper’s policy.

Risks to Homeowners

When a homeowner hires a landscaping company licensed and insured to perform tree care, they assume all liability is covered. However, as mentioned previously, landscapers may be insured only for regular landscape work. If a landscaping company performs tree services, like trimming and pruning, and property damage or bodily injuries occur, the homeowner may be liable for the expenses. This scenario can result in significant financial loss and legal complications.

Stein bucket truck being used for high tree work at a park - Stein Tree Service

Insurance Requirements for Tree Service Companies

Spider lift and skid steer being used to cut down a tall tree near power lines - Stein Tree Service

Tree service companies are required to have specific insurance coverage, including:

  • General liability coverage and insurance
  • Worker’s compensation insurance
  • Property damage insurance
  • Additional coverage for specialized equipment and potential damage to nearby structures

As a result, tree service insurance cost is typically a lot higher than landscaper insurance due to the increased risks and potential damages associated with tree services. This additional cost is necessary to protect the tree service company and the homeowner from liability. This increased insurance coverage requirement may result in higher quotes from professional tree service companies than a landscaper can offer, but if the job is done improperly and results in damage or injuries, the cost of hiring the landscaper could be exponentially higher.

Importance of Choosing a Tree Service Company with Proper Insurance Coverage

By choosing a tree service company with proper insurance coverage, homeowners can have peace of mind knowing that their property is protected and they are protected from liability for any accidents or damages.

The bottom line is that tree services require specialized knowledge, skills, and equipment that many landscapers may not possess. Professional tree service companies, like Stein Tree Service, have arborists and state-of-the-art equipment to ensure the safe and efficient completion of tree services. Landscaping companies may be experts at maintaining your lawn and planting beds, but lack the expertise or equipment necessary to safely perform tree services, which can result in property damage, injury, or even death. Homeowners may also be held liable for any accidents on their property.

Stein Tree Service Offers Residential and Commercial Tree Services

Home and business owners in Delaware and Pennsylvania often call Stein for annual tree care services. We provide many services, such as trimming, pruning, tree removal, and pest management. In addition, we have a team of experienced arborists and the necessary tree service insurance to keep your property safe. To schedule a free consultation, contact us today.

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