Insurance Verification

In the tree service industry, proper insurance isn't just a formality—it is an absolute necessity. Tree work is inherently high-risk, and hiring an uninsured or underinsured contractor can leave homeowners exposed to devastating financial liability.

Unfortunately, many operators in the Big Bend region run without adequate coverage to cut costs. At Big Bend Tree Care LLC, we prioritize your peace of mind and protection by maintaining full, active General Liability and Workers' Compensation coverage.

What Kind of Insurance Should a Tree Service Have?

When asking a tree service if they are "insured," make sure they carry both of these essential policies:

1. General Liability Insurance

Protects you, your physical property, and neighboring structures from accidental damages during operations (e.g., a limb striking a roof, fence, or power line).

2. Workers' Compensation Insurance

Protects crew members in the event of job-site injury. If an arborist or laborer is injured on your property and the company lacks Workers' Comp, you as the homeowner can be legally held responsible for medical bills and lost wages.

Why Do Some Companies Lack Proper Insurance?

High-risk category insurance—especially Workers' Compensation for elevated tree work—is exceptionally expensive. To quote lower prices, unlicensed or unbonded operators often gamble at the homeowner's expense by skimping on or dropping coverage entirely.

Never rely solely on a paper document or verbal promise. Fraudulent or expired certificates are common in this industry. It is vital to independently verify active coverage directly through official state databases.

Real Precedent: Homeowner Liable for Uninsured Worker Injury

The Incident: A homeowner hired a low-cost tree contractor who presented a business card displaying a city license number. When asked for proof of Workers' Compensation, the contractor claimed he forgot the paperwork but promised he had coverage, so work began.
The Accident: A worker suffered severe injuries after falling from a tall tree. It was soon discovered that the contractor had no active Workers' Comp policy.
The Legal Ruling: The injured worker sued the homeowner. Because the contractor was uninsured, the court ruled that the homeowner legally became the employer of the worker and was held fully liable for medical costs and long-term damages—an expense not covered by standard homeowners insurance policies.

OUR PRICE guarantee

At Big Bend Tree Service, LLC, we are deeply committed to client satisfaction and always go the extra mile to deliver exceptional results. If you receive a lower written quote from a local competitor for the same scope of work, we will gladly match it.

Qualification Requirements

To qualify for our price match, the competing tree service company must be fully insured to match our strict safety and liability standards. A fully insured competitor must hold active coverage including:

$2,000,000 General Liability Policy
$2,000,000 Umbrella Policy
$1,000,000 Workers' Compensation Policy