Fully Insured in Orlando, FL — General Liability & Workers’ Comp
Before anyone works on your property—tree service, roofer, plumber, electrician, even a handyman—verify they carry General Liability (GL) and Workers’ Compensation (WC). We do. Every single job.
Why GL + WC Matter (in Plain English)
- General Liability (GL) Protects the property owner’s property from accidental damage (roof, fence, pool screen, siding, landscaping).
- Workers’ Compensation (WC) Covers medical care and lost wages if a worker is injured—so the homeowner isn’t exposed to those claims.
- Tree work is high-risk. Overhead power lines, falling limbs, aerial lifts, and rigging require coverage and training. Ask every contractor for proof, not just tree companies.
Want a deeper consumer guide? Read our blog: Why Hiring a Fully Insured Tree Service Matters in Orlando.
How to Verify Coverage in Florida (Fast)
- Ask for Certificates of Insurance (GL + WC) sent directly from the agent to you—avoid screenshots.
- Check dates & names: policy effective dates, named insured matches the company on the truck, and tree work operations are covered.
- Confirm Workers’ Comp (not just an “exemption”). For construction‑related trades, Florida does not treat workers as independent contractors for WC—either you’re an owner or an employee.
Our Coverage & Property Protection
- Coverage Active General Liability and Workers’ Compensation. Certificates available on request.
- Ground protection mats On access paths to protect lawns, root zones, and pavers.
- Turf-tire lift / low-PSI equipment Reduces ground pressure; lawns and concrete stay unharmed.
- Careful staging & rigging Near pool screens, solar panels, and tight access.
- Spotters, cones & signage Clearly marked work zones to protect neighbors and pedestrians.
- Meticulous cleanup Lawns raked, walks/driveways blown, debris removed—your yard looks better than when we arrived.
When Insurance Matters Most
- Crane picks & tall takedowns Near homes or roads.
- Tight access By fences, alley garages, or above utilities.
- Work near pool enclosures or solar panels Requires precision rigging.
- Storm damage Where hazards are unpredictable.
5 Questions to Ask Before You Hire
- Will your agent email me current GL + WC certificates directly?
- What steps do you take to protect turf, pavers, and pool screens?
- Who will be on site and how will the job be supervised?
- Will you provide a written scope that matches the estimate?
Insurance FAQs (Florida & Tree Work)
Is a Workers’ Comp exemption the same as coverage?
No. An exemption is not an insurance policy and doesn’t pay benefits to injured workers. Ask for an active WC policy certificate.
Will my homeowners policy cover contractor injuries?
Homeowners policies are not designed to be a contractor’s WC policy. Coverage is often not included or very limited—verify with your carrier, and require WC from any contractor.
What’s the difference between GL and WC?
GL covers accidental property damage; WC covers worker injuries. You need both to reduce risk on a job site.
How do I verify a company’s WC in Florida?
Ask for a certificate from their agent and call to verify coverage.
Do you cover your subcontractors?
Yes—we require proof of WC from any sub we bring on a job. If a sub lacks WC, the hiring contractor can be on the hook in Florida.
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