05/21/2026
𝐖𝐡𝐚𝐭 𝐝𝐨 𝐰𝐞 𝐦𝐞𝐚𝐧 𝐰𝐡𝐞𝐧 𝐰𝐞 𝐬𝐚𝐲 𝐰𝐞’𝐫𝐞 𝐅𝐔𝐋𝐋𝐘 𝐈𝐍𝐒𝐔𝐑𝐄𝐃?
A lot of people hear “insured” and assume all tree companies carry the same coverage — but that’s simply not true. Insurance in the tree industry matters more than most people realize, because tree work is one of the most dangerous trades out there. 𝐖𝐡𝐞𝐧 𝐠𝐞𝐭𝐭𝐢𝐧𝐠 𝐪𝐮𝐨𝐭𝐞𝐬 𝐟𝐨𝐫 𝐬𝐞𝐫𝐯𝐢𝐜𝐞 𝐢𝐧𝐝𝐮𝐬𝐭𝐫𝐲 𝐰𝐨𝐫𝐤, 𝐚𝐥𝐰𝐚𝐲𝐬 𝐚𝐬𝐤 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐜𝐨𝐧𝐭𝐫𝐚𝐜𝐭𝐨𝐫 𝐭𝐨 𝐩𝐫𝐨𝐯𝐢𝐝𝐞 𝐚 𝐂𝐞𝐫𝐭𝐢𝐟𝐢𝐜𝐚𝐭𝐞 𝐨𝐟 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 (𝐂𝐎𝐈).
𝐀𝐭 𝐓𝐢𝐩 𝐓𝐨𝐩 𝐓𝐫𝐞𝐞 𝐒𝐞𝐫𝐯𝐢𝐜𝐞, 𝐛𝐞𝐢𝐧𝐠 𝐟𝐮𝐥𝐥𝐲 𝐢𝐧𝐬𝐮𝐫𝐞𝐝 𝐦𝐞𝐚𝐧𝐬 𝐰𝐞 𝐜𝐚𝐫𝐫𝐲:
✔️ General Liability Insurance
Protects your home, property, and surrounding structures in the unlikely event of accidental damage during a job.
✔️ Commercial Auto Insurance
Covers our trucks, trailers, and vehicles while transporting equipment and operating on job sites.
✔️ Equipment Insurance
Protects the specialized equipment needed to safely and properly complete tree work.
✔️ Workers’ Compensation Insurance
This is the BIG one — and one of the most important things homeowners should ask about before hiring ANY tree company.
𝐖𝐨𝐫𝐤𝐞𝐫𝐬’ 𝐜𝐨𝐦𝐩 𝐩𝐫𝐨𝐭𝐞𝐜𝐭𝐬 𝐞𝐦𝐩𝐥𝐨𝐲𝐞𝐞𝐬 𝐢𝐟 𝐭𝐡𝐞𝐲 𝐚𝐫𝐞 𝐢𝐧𝐣𝐮𝐫𝐞𝐝 𝐨𝐧 𝐭𝐡𝐞 𝐣𝐨𝐛. 𝐖𝐢𝐭𝐡𝐨𝐮𝐭 𝐢𝐭, 𝐭𝐡𝐞𝐫𝐞 𝐢𝐬 𝐩𝐨𝐭𝐞𝐧𝐭𝐢𝐚𝐥 𝐟𝐨𝐫 𝐭𝐡𝐞 𝐡𝐨𝐦𝐞𝐨𝐰𝐧𝐞𝐫 𝐭𝐨 𝐛𝐞 𝐩𝐮𝐥𝐥𝐞𝐝 𝐢𝐧𝐭𝐨 𝐥𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐲 𝐢𝐟 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐠𝐞𝐭𝐬 𝐡𝐮𝐫𝐭 𝐰𝐡𝐢𝐥𝐞 𝐰𝐨𝐫𝐤𝐢𝐧𝐠 𝐨𝐧 𝐭𝐡𝐞𝐢𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲.
And here’s something many people may not realize — workers’ comp insurance companies don’t just hand out policies and walk away. At least for us recently, it required a full jobsite survey and safety evaluation of our operations, equipment, crew procedures, and overall work practices.
We’re proud to say we passed with FLYING colors.
That means 𝐨𝐮𝐫 𝐢𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐜𝐨𝐦𝐩𝐚𝐧𝐲 𝐬𝐚𝐰 𝐟𝐢𝐫𝐬𝐭𝐡𝐚𝐧𝐝 𝐰𝐡𝐚𝐭 𝐰𝐞 𝐚𝐥𝐫𝐞𝐚𝐝𝐲 𝐤𝐧𝐨𝐰: 𝐨𝐮𝐫 𝐜𝐫𝐞𝐰 𝐭𝐚𝐤𝐞𝐬 𝐬𝐚𝐟𝐞𝐭𝐲 𝐬𝐞𝐫𝐢𝐨𝐮𝐬𝐥𝐲, 𝐮𝐬𝐞𝐬 𝐩𝐫𝐨𝐩𝐞𝐫 𝐞𝐪𝐮𝐢𝐩𝐦𝐞𝐧𝐭, 𝐟𝐨𝐥𝐥𝐨𝐰𝐬 𝐬𝐚𝐟𝐞 𝐰𝐨𝐫𝐤 𝐩𝐫𝐚𝐜𝐭𝐢𝐜𝐞𝐬, 𝐚𝐧𝐝 𝐨𝐩𝐞𝐫𝐚𝐭𝐞𝐬 𝐩𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐥𝐲 𝐨𝐧 𝐞𝐯𝐞𝐫𝐲 𝐣𝐨𝐛𝐬𝐢𝐭𝐞.
Unfortunately, many companies either don’t carry workers’ comp at all, or improperly classify workers to avoid the cost. 𝐋𝐨𝐰𝐞𝐫 𝐛𝐢𝐝𝐬 𝐜𝐚𝐧 𝐬𝐨𝐦𝐞𝐭𝐢𝐦𝐞𝐬 𝐜𝐨𝐦𝐞 𝐰𝐢𝐭𝐡 𝐦𝐮𝐜𝐡 𝐡𝐢𝐠𝐡𝐞𝐫 𝐫𝐢𝐬𝐤.
When comparing estimates, remember you’re not just paying for someone to cut a tree — you’re paying for proper equipment, experienced crews, safety practices, legal compliance, and protection for everyone involved.
𝐖𝐞 𝐛𝐞𝐥𝐢𝐞𝐯𝐞 𝐨𝐮𝐫 𝐜𝐮𝐬𝐭𝐨𝐦𝐞𝐫𝐬 𝐝𝐞𝐬𝐞𝐫𝐯𝐞 𝐩𝐞𝐚𝐜𝐞 𝐨𝐟 𝐦𝐢𝐧𝐝 𝐤𝐧𝐨𝐰𝐢𝐧𝐠 𝐭𝐡𝐞 𝐣𝐨𝐛 𝐢𝐬 𝐛𝐞𝐢𝐧𝐠 𝐝𝐨𝐧𝐞 𝐭𝐡𝐞 𝐫𝐢𝐠𝐡𝐭 𝐰𝐚𝐲.