Contact Us
Verifying Tree Service Insurance: Understanding Fully Insured
When hiring a tree service, it is crucial to understand the insurance coverage they carry. While businesses can opt for various types of insurance, certain policy types are essential to be considered “Fully Insured.” This designation ensures that both the homeowner and the service provider are protected in case of accidents or damages during the work. The limits on the following coverage types can differ significantly from one company to another. To consider a tree service company as “Fully Insured,” the following policy types should be active and in good standing.
Commercial Liability
Commercial liability insurance is vital for any tree service. This type of insurance protects a client’s real and personal property from damages that may occur as a result of tree service work being performed. For instance, if a tree falls and damages your fence or home during the service, this insurance would cover the costs of repairs. It is essential to ensure that the tree service you hire has adequate commercial liability coverage to safeguard your property against potential mishaps.
Workers Compensation
Workers’ compensation insurance is another critical component of a fully insured tree service. This insurance protects both the client and the service provider from liability if a tree service worker becomes injured while working on your property. For example, if a worker falls from a tree and sustains injuries, workers’ compensation would cover their medical expenses and lost wages.
In North Carolina, the Workers’ Compensation Act mandates that all businesses employing three or more employees must provide workers’ compensation benefits. This law is in place to ensure that workers are protected and that clients are not held liable for workplace injuries.
For more information on this requirement, you can visit the North Carolina Workers’ Compensation website: https://www.ic.nc.gov/wcinsrqmt.html.
Commercial Auto
Commercial auto insurance is essential for tree service companies that use vehicles to transport equipment, personnel and debris. This insurance protects both the client and the public from liability in the event that a tree service vehicle causes damages or injuries. For example, if a tree service truck accidentally collides with your property or another vehicle, commercial auto insurance would cover the damages. It is important to confirm that the tree service you hire has this coverage to protect yourself from potential liabilities.
How do I verify insurance and know I will be covered?
- What types of insurance are currently in place?
- What are the policy limits for each type of coverage?
- Are the policies active and up to date?
- Will you be covered if any damages occur during the service?
To ensure that a tree service company is properly insured, you can request a certificate of insurance. This certificate should name you as an insured party and is typically sent directly from the insurance company or broker.
When you receive this certificate, it will provide you with important information, including:
DC Tree Cutting and Land Service has attached a sample certificate for your reference. This sample illustrates our insurance coverage and limits.
If you decide to proceed with our proposal, you can easily request a named certificate by sending an email to the address below or by giving our office a call.
Email: insurance@dctreecutting.com
Subject: Certificate Request
DC Tree Cutting and Land Service has attached a sample certificate for your reference. This sample illustrates our insurance coverage and limits.
How do I verify insurance and know I will be covered?
If you have any questions or concerns regarding our insurance or services, please do not hesitate to reach out to us. We are here to help you understand how to verify tree service insurance and ensure that you are fully protected.
DC Tree Cutting Team
Phone:252-506-0099
Email:now@dctreecutting.com