Is the main reason that tree work is so expensive. Sadly, tree workers have an fatal accident rate that is roughly 10 times the average for all industries. By hiring and retaining professional tree workers, properly training them, and using the proper equipment, we dramatically reduce the likelihood of an accident, but we cannot eliminate it entirely. That’s why we carry $2 million in liability insurance to protect the customer and $500,000 in workers’ comp insurance to protect the crew.
If you hire an uninsured or under-insured tree company, it may save you a little money, but it puts you at risk and all you need to do to verify that is ask your homeowners insurance agent. If one of their crew is seriously injured, or worse, on your property, you can be held liable. You always want to verify that the tree company you are hiring has both workers’ comp and liability insurance. A surprising number of smaller tree companies cut corners by carrying no insurance at all or carrying insurance that does not insure them to work on large trees.