What many people are unware of is that the tree service industry is one of the most dangerous professions (including firefighting and army). This many due to the fact that there is often the use of tall and dangerous tools, having to cut trees near electric lines, running the risk of damaging a neighbor’s property or pet and this might cause serious injury or even death. In that regard, it is extremely important that you understand how tree service industry works so that you know how to protect yourself and the health of your trees.
Although insurance in the tree is expensive, it is extremely essential because of the enormous risks that come with the work. This is contrary to many people’s opinion that all insurance is created equal. As far as tree service industry is concerned, worker’s compensation is the most expensive. As a result, some companies may decide not to include the worker’s compensation in their policy and convince you that everything is covered. Because a lot of money is involved, there is a lot of motivation to hide the truth. The bad news is that few clients actually bother to find out about details of insurance of a tree service company.
Just to be clear, workers’ Compensation, as we have already stated, is the most expensive and the most necessary insurance. In fact, you would rather miss any other insurance policy than lack this one. It insures you against anyone being injured while working on your property. The reason why you should only deal with companies with worker’s compensation is that a worker may get injured and the company might not be able to pay the bills. Needless to say, it is not fun.
Another type of coverage that is important is the general liability insurance, which protects the property of the customer. Obviously, if the company doesn’t have this cover, you might never recover your loses just in case your property is damaged as a result of a falling try.
Apart from the workers’ compensation and general liability policy, please ensure that you get a bond with the company. Generally, a bond refers to a written document that gurantees you that the company will complete the job. You if you enter into a bond with a company, ensure that you have a copy because the bond will not mean anything unless you have a copy of the bond. But it is important to note that bonds are better used in case there is a big project involved.
Other types of insurance you might need
Depending on where your property is situated, you might need an automobile insurance to cover damages resulting from accidents involving vehicles that pass the road. Please note that this may not be necessary if you have both general liability and workers’ compensation.
Therefore, it is very critical that you understand the insurance cover your service tree company has before entering into any agreement with the company. You can also check with the Better Business Bureau to ascertain that the business has not been receiving complaints from the clients. Also check with Tree Service Alpharetta reviews.