Why Hiring a Fully Insured Tree Service Matters in Orlando (GL + Workers’ Comp)

Not All Insurance Is the Same

Many insurance policies are written for lawn care or general property maintenance — not professional tree work. Those policies often exclude aerial work whenever an employee’s feet leave the ground. Some carriers allow a limited ladder exception (for example, up to 15 feet), but most do not cover climbing, aerial lift work, rigging, or removals because tree care carries higher risk and requires specialized training.

If you’re hiring for tree work, treat it like any other specialty. You wouldn’t hire a plumber to rewire your home — and you shouldn’t assume a lawn company’s policy covers tree removals. Tree care requires specific skills, safety protocols, and coverage, and insurance for professional tree services is typically much higher than basic property‑maintenance policies.

GL vs. Workers’ Comp: What Each One Covers

General Liability (GL) is designed to pay for accidental property damage the contractor causes—think broken roof tiles, dented gutters, damaged fences, or cracked pavers. Workers’ Compensation (WC) pays for injuries to workers on the job (medical bills and lost wages). You need both protections on a tree job—especially in Orlando where we work around pool enclosures, tight alleys, and overhead service lines.

Florida Basics: Who Must Carry Workers’ Comp?

Florida guidance states that construction‑industry employers with one (1) or more employees must carry WC; non‑construction employers generally need WC at four (4) or more employees. Tree work typically falls under construction‑related requirements.

Also important: a WC exemption is not an insurance policy. If someone is exempt, there’s no WC coverage paying benefits if they’re injured.

How to Verify a Tree Company’s Insurance (Fast)

1. Ask for Certificates of Insurance (GL + WC) emailed directly by the insurance agent—not a screenshot.
2. Check the details: effective dates, named insured matches the company on the truck, and tree operations are listed.
3. Confirm subcontractors are covered: either listed on the COI or each sub provides their own active WC/GL certificate.
4. Request a written scope that matches what’s insured (equipment, rigging approach, debris handling) so expectations are clear.

Pro tip: store the certificates with your project documents for future reference.

Real Orlando Scenarios Where Insurance Matters

• Pool enclosure clearance: A small slip can puncture screen panels; GL covers accidental damage.
• Storm‑damaged laurel oak: Unpredictable tear‑outs and overhead utilities—WC protects workers if someone gets hurt.
• Tight alley access by pavers: We use ground‑protection mats and a turf‑tire lift to reduce ground pressure; GL stands behind us if something goes wrong.

How We Reduce Risk on Your Property

• Active GL + WC: Certificates available on request.
• Certified arborist on site or overseeing work for clear, safety‑first decisions.
• Ground‑protection mats on access paths and staging areas.
• Turf‑tire lift (low PSI) and compact equipment for yards and pavers.
• Careful rigging near pool cages, solar, and service drops.
• Meticulous cleanup—your yard looks better than we found it.

FAQs: Insurance for Tree Work in Florida