All Insurance is created equal.
Fact: Insurance in the tree industry is very expensive, especially workers’ compensation. Companies often do not carry proper insurance to protect you from liability, and some will stretch the truth to convince you everything is covered when they are under insured and many are unaware of what coverage is needed.
Remember, where a lot of money is involved, there is a lot of motivation to bend the truth. Do your own research and get certificates of insurance directly from the insurance company. No one should ever be offended or hesitant when you ask for proof of insurance!
It is much cheaper simply to print “fully insured, workers’ compensation and liability insurance” on a card or ad than it is to buy coverage. This deception is made especially easy and profitable because very few customers actually check to see if insurance is in place until after an accident happens. Please do your homework and ask your lawyer.