Why Hiring A Tree Service In Palo Alto Without Workers’ Compensation Is A Bad Decision?
Any type of tree service whether it is pruning or trimming, cutting or removing, and even pet rescue or drone removal, involves a lot of risks. The professional may have to climb great heights and reach to difficult places, come very near to the high voltage power lines and may even fall from a branch five feet above the ground if proper safety precautions are not taken. If someone, the worker, you or even a passerby is injured during the process you may face legal as well as financial obligations. To prevent such chances, it is best that you hire a professional Tree Service in Palo Alto that is certified, licensed, bonded and most importantly, adequately insured.
Prevent financial disaster
Remember, accidents do happen and medical costs can be excessively high. To avoid financial disaster always ensure that the Tree Service in Palo Alto and its workers carry Workers’ Compensations as well as general liability insurance. Do not simply inquire about it but make sure that you get a copy of the insurance from the service provider, individual or a company. Make sure that it is authentic and valid and you may even get it verified form the issuing authority. Also check that it is updated and renewed having enough coverage to meet with even the severest of injuries or mishaps.
Homeowner’s insurance policies
It is true that you will have a homeowner’s insurance policy for your property, but that is for you only and especially for the damages caused to your property. Moreover, as it is common for all insurance companies, they will find out several flaws and lacunas not to make the payment or reduce it as far as possible. However, they will surely not pay for such mishaps within your premise. It is only the worker’s compensation insurance of the Tree Service in Palo Alto that will keep you protected from such obligations.
Expiry of license and insurance
This is another significant factor that you should look for when you hire a Tree Service in Palo Alto. Often a tree service, mostly the scam ones, will carry a business card with them that will list a license and insurance number. This is just to portray a wrong impression that the company is experienced and capable of doing such jobs. However in reality it is seen that in most of the cases this license number is often of an expired city license and does not assure coverage for damages for such dangerous work. The company will conveniently show you an expired insurance policy as well. This is why you should get a copy of the two and get it verified from the relevant authority.
Household employee exception
This kind of very dangerous job usually does not fall under the household employee exception. It is not under the coverage of the federal Occupational Safety and Health Act or OSHA rules as well. Therefore, the most prudent thing to do is to insist on a workers' compensation insurance policy and grab a copy of it. Typically a service that has such insurance will have a wide difference in service cost compared to those who ignore them. For more information visit Our Website