The work as a homeowner is never complete and time can become a priority. To free up time or when a task requires specialized expertise, we often bring in contractors.
When large trees need to be trimmed or removed, it’s a good time to hire an expert. When homeowners hire a contractor, their due diligence is not complete by finding an ad that reads “fully insured.” Yes, this should be a sign that you can trust them. However, this is not always the case.
As a homeowner you are liable for any person working on your property and for a contractor to be properly covered, they need to have several types of insurance. They need to have car insurance on their vehicles to cover any damage they could cause while operating. If they are licensed as a tree-care business, they will also need to carry business insurance.
If a contractor is classified as a landscaper, they will have certain height restrictions on their policy. This could be of importance should an issue arise when operating outside policy specifications.
The last and significant insurance a customer should ask about is workers’ compensation insurance. This will be the first line of protection for a homeowner if a laborer is injured on the job. Injuries can be as small as a bee sting or a scrape. However, costs can be significant if an injury requires medical attention.
As a customer you can call and confirm the company is in good standing and is covered to do the work you are requesting. For a seasoned and fully insured tree care expert, call Joseph McIlvaine Tree and Lawn at 215-322-8394.
PHOTO CAP: Be sure your contractors are covered for all liability.