Why It Can Cost You Big, If You Hire An Unlicensed and Uninsured Tree Service Company in New York

Every state is unique and will have its rules and regulations governing various businesses and industries. The tree service sector is no exception, as it must comply with specific requirements and regulations depending on the state in which it operates. In New York, for instance, tree service companies must obtain a license from the state and secure insurance coverage from a reputable provider, offering both Workman's Compensation and general liability insurance. It is highly advisable to exclusively hire tree service companies that are properly licensed and insured, especially in New York, as failure to do so can result in significant costs.

If you decide to hire a tree service company without insurance coverage and workman's compensation, you may personally bear the responsibility in unfortunate situations where any injury occurs to the company or its workers during tree removal or related tasks. As the homeowner, it is possible for you to be sued by the tree service company or its workers for medical costs and other damages since the incident occurred on your property under the laws of New York State. Even if you are fortunate enough to retain a highly skilled attorney to assist with your defense, you can still be accountable for all associated legal fees, which can be quite substantial. In most cases, homeowners are held liable and must provide compensation for damages and medical expenses, regardless of any legal consequences the tree service company may face for operating without proper licensing or insurance.

Tree service work, particularly when it comes to tree removals, entails inherent dangers and risks. The task requires the use of substantial and hazardous machinery. Just as you wouldn't hire an unlicensed and inexperienced driver to operate a motor vehicle, you should avoid entrusting your trees to a tree service company that lacks the knowledge and expertise to use heavy bucket trucks, cranes, and powerful chainsaws. Such incompetence not only jeopardizes their own safety but also poses a threat to your family and property. Their reckless actions could potentially result in damage to the side of your home or other significant harm to your property, which might not be covered by your homeowner’s insurance.

The extent of coverage provided by your homeowner's insurance is contingent upon the specific plan and insurance company you have selected. In New York State, it is important to note that numerous insurance companies will decline to cover any destruction to your property or home if you choose to engage the services of an uninsured and unlicensed tree service company. It is a requirement for almost every insurance company, if not all, that you exclusively hire licensed and insured tree service companies in New York State. By doing so, the company will assume responsibility for any liabilities pertaining to damages or injuries.

Many homeowners in New York may be tempted to hire tree service companies or landscapers who are not licensed or insured in the state. These companies often offer their services at a lower cost compared to licensed and New York State-certified insurance providers. However, it's important to consider the potential consequences of such a decision, as it can result in higher expenses for liability and damage to your property caused by these unlicensed tree service companies.

At Six Diamonds Tree Services in Pawling, NY, we may be perceived as pricier than our unlicensed and uninsured counterparts. However, this "higher price" is justified by the level of protection it provides. We prioritize staying updated on our knowledge, worker's compensation, and liability, ensuring your safety and the safety of your property.