Professional Arborists in Springfield, OH

Verify your tree company’s insurance and workmen’s comp Many homeowners will choose a tree care company based upon the bottom line price without question. Homeowners should investigate a company’s qualifications as well as their insurance coverage to protect their assets. In some cases, a homeowner may be fiscally responsible for accidents and injuries that occur on their property when a contractor fails to carry proper insurance. There are many different situations in which a homeowner may be held liable for a workers’ injury: A company may “subcontract” day laborers or climbers to avoid paying for workers’ compensation coverage which is based upon an employee’s hourly wages. Employers may fail to add temporary or new employees to their commercial/vehicle policies. A company’s workers’ compensation policy may not be properly labeled to cover tree work which is a more expensive and separate category due to the higher risk. Some employers will opt to carry landscaper coverage which does not include tree pruning or removal services. How should a homeowner confirm that a tree company is legit?