What kind of insurance coverage for tree care companies?

1. What kind of insurance coverage for tree care companies? While you are thinking about tree trimming or tree pruning, you need to hire a professional arborist. Tree work can be dangerous, particularly those without the training, experience, and equipment to do it safely. Tree work is the job of heights and is dominated by heavy objects, dangerous tools, unpredictable events, and more. For any types of disaster read; ted to the tree, there are two types of insurance coverage: general liability and workers' compensation. In this post, we will discuss that. Here we go: •Workers' compensation insurance All companies are obliged by law to carry workers' compensation. General liability insurance must specifically cover tree work (not just landscaping or similar position) to be valid with workers' compensation insurance. Although most companies claim to be fully covered by workers' compensation insurance, they may not always be covered for tree work. Tree work coverage is costly (which is not surprising, given the work's dangerous nature). Some of the companies doing tree work choose to classify themselves as landscapers instead to cut costs. They can then transfer the cost savings to you in the form of a lower price for tree work. But don't be fooled – what they have done is pass the risk on to you. © 2021 Treescape® Australasia.

2. Without the right workers' compensation coverage, the business owner is legally required to pay for work injuries to them and any crew members. And if they cannot or would not? As the landlord who hired the company, you are on the hook. You can take the legal action against the company to recover damages. You will still have to pay for the injured person's medical bills—also the lost wages and other costs related to the injury until the case is settled. •General liability insurance It is peculiar when it comes to the type of work covered by the insurance policy. If someone is doing tree work, the insurance policy must specifically cover tree work. If not, will not cover any damages or injuries arising from tree work done on your property. Insurance policies for landscapers are different; they only provide the coverage for work done on the ground bases and up to about 8 or 10 feet above that. If a person or arborist climbs up over 10 feet to work on your tree (or even if they climb a ladder to reach a branch) and something happens, then the insurance will not cover it. In that case, you may be liable for any injuries, damage, medical bills, lost wages, etc. Hope this post is useful for you if you are looking for any tree services like stump removal, hedge trimming or any other. So the next time you get a proposal for tree work and especially one that seems too good to be true. Must ask to see the policy documents for both workers' compensation and general liability. Generally, the low-cost providers don't have both types of insurance. They have shallow policy limits, putting you and your family at risk should an accident happen on your property. Don't take the risk of your family! Hire us for good safety services. We will be happy to provide you with our best services. CONTACT US Address: 21 Huia Road, Otahuhu 1062, PO Box 22149, Auckland 1640 Phone No: 0800 873 396 Email ID: info@treescape.co.nz Website: www.treescape.co.nz © 2021 Treescape® Australasia.