Tree Service Insurance: What Licensed Companies Must Carry

Before hiring a tree service in Frankston, ask what insurance the company carries and request current proof of coverage. Tree work involves chainsaws, elevated work, heavy equipment and falling limbs, so an accident can damage a home, a vehicle or a neighbouring property. Insurance helps clarify who is responsible for covered losses, but a company’s licence or registration does not automatically confirm that every policy is suitable or current.

Key Insurance to Check

Public liability insurance

Public liability insurance can cover a company’s legal liability for injury to other people or damage to their property during its work, subject to the policy terms, exclusions and limit. Ask for the certificate of currency and check that the insured business name matches the name on your quote. Confirm the cover applies to the specific work required, such as tree removal, pruning or stump grinding.

Workers compensation

In Victoria, employers generally need workers compensation https://martinqcrr714.oakridgedigest.com/posts/when-is-the-best-time-to-prune-trees-in-frankston insurance for eligible employees. This cover relates to work-related injuries and illnesses; it is different from public liability. Ask whether the crew members attending your property are employees or subcontractors and how their cover is managed. If a contractor says workers compensation does not apply, verify the position with WorkSafe Victoria rather than relying on a verbal assurance.

Vehicles, equipment and other cover

Commercial vehicle insurance may cover work vehicles, while plant and equipment insurance can protect machinery such as elevated work platforms and chippers. These policies primarily protect the business and do not necessarily cover damage to your property. If the job involves specialist work, ask the contractor to confirm relevant cover directly with their insurer or broker.

Questions to Ask Before Work Begins

• Can you provide a current certificate of currency for public liability insurance?
• Does the policy cover the exact tree work and location in Frankston?
• Are employees and subcontractors appropriately covered?
• Who is responsible for damage to fences, roofs, driveways or underground services?

Check the Details, Not Just the Certificate

A certificate of currency shows policy details at the time it is issued; it is not a guarantee that a future claim will be accepted. Check the expiry date, insured entity, cover limit and policy type, and contact the insurer using independently verified details if anything is unclear. Also confirm any required local permits or tree-protection approvals with Frankston City Council. Insurance is one part of choosing a contractor: request a written quote, scope of work and clear plan for debris removal before authorising the job.

Frankston Tree Removal Experts

5/42 Hartnett Dr, Seaford VIC 3198

(03) 8820 1799