It’s honestly one of those things you don’t think about until something goes wrong.
Tree work is risky. You’re dealing with heavy wood, chainsaws, heights, power lines, roofs, fences, a lot can happen in a few seconds. Even the most experienced crew can’t control everything. If a big limb swings the wrong way and hits your house, or someone gets hurt on the job, insurance is what protects everyone involved.
From a homeowner’s side, it gives peace of mind. You don’t want to be stuck paying out of pocket because a contractor didn’t carry liability or workers’ comp. If a worker falls in your yard and they’re not insured, that can turn into a legal and financial mess fast.
From the company’s side, it shows they’re serious and professional. Anyone can buy a chainsaw and call themselves a tree service. Insurance is part of proving you’re running a real business and taking responsibility for the risks that come with the job.