What does “fully insured” really mean?
"Fully Insured" is a term you see in many ads, especially for contractors and service providers like tree care businesses. But it's more than just a catchphrase!
Why Does It Matter?
It indicates that the company or individual offering the services has obtained comprehensive insurance coverage to protect themselves, their employees, and their customers against potential risks and liabilities associated with their work.
For a tree service business, being "Fully Insured" typically means that they have two primary types of insurance coverage:
General Liability Insurance: This type of insurance provides coverage for third-party bodily injury or property damage that may occur during the course of their work. For instance, if a tree service company accidentally damages a customer's property or causes injury to someone while conducting tree work, their liability insurance would help cover the associated costs and legal expenses.
Worker's Compensation Insurance: This insurance is crucial for businesses with employees. It provides coverage for employees who may get injured or become ill while performing their job duties. Worker's compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for injured workers.
By being "Fully Insured," the tree service business aims to assure its customers that they are responsible and prepared in case of any unforeseen accidents or damages during their work. It also reflects the company's commitment to professionalism and adherence to safety standards.
When hiring a tree service provider or any contractor, it's essential for customers to verify their insurance coverage. They can ask for a Certificate of Insurance (COI) directly from the company or their insurance agent. The COI should clearly outline the types and limits of the company's insurance coverage, and it should be up-to-date. This way, customers can have peace of mind knowing that they are protected from potential liabilities.
If you're looking for expert tree care services backed by insurance protection, Plows Tree Service has got you covered. Whether it's tree pruning, removal, or any other tree-related task, we have the expertise and experience to get the job done safely and efficiently. We'll also happily provide you with our insurance certificates!
Contact us today to schedule a free estimate! Call/text 315-864-4007 or email info@plowstreeservice.com.
