Imagine this: You hire a tree service to remove that massive oak threatening your roof. The price seems great, hundreds less than other quotes. The crew arrives, starts the tree work, and then disaster strikes. A worker falls from 30 feet up, suffers a severe injury, and you discover they have no workers' compensation insurance. Suddenly, you're facing a lawsuit that could cost you hundreds of thousands of dollars in medical bills, lost wages, and legal fees, potentially forcing you to sell your home to cover the extent of the claim.
This nightmare scenario happens more often than Clearwater homeowners realize. When it comes to hiring a professional tree service in Clearwater, FL, workers comp isn't just a nice-to-have; it's the single most critical insurance coverage standing between you and financial catastrophe.
At Andrew's Tree Care, we've built our family-owned tree care business on transparency and protection. We maintain full workers compensation coverage for every member of our team because we believe homeowners should never have to worry about liability when they're simply trying to maintain their property. But not all tree service companies operate this way, and understanding the difference could save you from devastating consequences.
The Dangerous Reality of Tree Work and Tree Service Work
Tree care consistently ranks among the most dangerous jobs in America. According to the Bureau of Labor Statistics, tree service workers and arborists face injury and fatality rates significantly higher than most other occupations. The tree care industry presents unique, high-risk challenges that make workers compensation insurance absolutely essential.
The tree service work involves:
- Working at extreme heights (often 30-80+ feet in the air)
- Operating dangerous tools (chainsaws, wood chippers, stump grinders)
- Handling unpredictable falling debris (tree limbs weighing hundreds of pounds)
- Working near power lines (electrocution risks for tree trimmers)
- Using heavy machinery (bucket trucks, cranes, grapple trucks)
- Exposure to weather conditions (wind, rain, heat)
In Florida's humid climate with frequent storms, these risks multiply for tree service workers. Palm trees can harbor hidden rot, oak branches become brittle in drought conditions, and storm-damaged trees are inherently unstable. Every single day, tree trimmers and arborists face potentially life-threatening situations in this dangerous job—and injuries happen even to the most experienced tree care professionals.
Common Tree Service Insurance Claims Include:
- Falls from heights resulting in broken bones, spinal injuries, or traumatic brain injuries
- Chainsaw lacerations requiring emergency surgery and extensive medical treatment
- Crushing injuries from falling limbs or trunks during tree removal
- Equipment-related accidents (chipper injuries, truck accidents)
- Electrocution from contact with power lines during tree trimming
- Heat exhaustion and heat stroke during Florida summers
When these injuries occur to uninsured workers on your property, Florida state law may hold you personally responsible for all associated costs. This is where understanding contractor insurance requirements becomes critical for every homeowner.
What Happens When an Uninsured Contractor Gets Hurt on Your Property
This is where many Clearwater homeowners face a devastating surprise: If a tree service worker without workers compensation insurance is injured on your property, you can be held personally liable for their medical expenses, lost income, rehabilitation costs, and more.
The liability and workers comp connection is crucial to understand. Without proper workers comp coverage, the financial risk transfers directly to you as the property owner.
Your Potential Financial Liability Includes:
Immediate Medical Bills
- Emergency room treatment: $5,000-$50,000+
- Surgery costs: $20,000-$200,000+
- Hospital stays: $2,000-$10,000 per day
- Ambulance and emergency transport
Ongoing Medical Care
- Physical therapy and rehabilitation
- Follow-up surgeries and procedures
- Prescription medications
- Medical equipment (wheelchairs, braces, etc.)
- Long-term care for permanent disabilities
Lost Wages and Income
- Compensation for time unable to work
- Lost future earning capacity for employees while on the job
- Vocational rehabilitation if they can't return to tree service work
Legal and Court Costs
- Attorney fees (yours and potentially theirs)
- Court costs and filing fees
- Expert witness fees
- Settlement or judgment amounts
Pain and Suffering
- Compensation for physical pain
- Emotional distress and mental anguish
- Loss of quality of life
- Permanent disability or disfigurement
The bottom line? A single serious injury to an uninsured tree service worker could easily cost you $250,000 to $1,000,000 or more. Your homeowner's insurance typically won't cover these costs because they arise from a contractor's lack of proper insurance policies, not from your own negligence. This is why verification of workers compensation coverage is non-negotiable.
Understanding Florida Workers Compensation Requirements and State Law
Understanding Florida's workers compensation requirements and state law helps clarify why this insurance coverage matters so much for tree service companies:
Florida State Law Requirements
Mandatory Coverage Requirement
- Florida state law requires most businesses with four or more employees (including business owners) to carry workers compensation insurance
- Construction industry businesses (including tree service companies and tree trimming business operations) must have comp coverage with one or more employees
- Workers comp insurance policies must include all company employees, not just some team members
Classification and Policy Details
- Tree service insurance uses a specific class code for rating and pricing
- Insurance companies classify tree care work as high-risk
- The compensation class for arborists and tree trimmers carries higher premiums
- Each workers compensation insurance policy must include a policy number for verification
Exemptions
- Sole proprietors with no employees may legally operate without work comp
- However, they still need general liability insurance to protect homeowners
- Business owners should verify exemption status with state insurance authorities
The Problem with Uninsured Contractors
Many tree service companies and tree trimming business operators work illegally without required workers comp insurance because:
- Workers compensation insurance for tree service is expensive (often 20-40% of payroll due to high-risk classification)
- Enforcement is inconsistent across Florida
- Homeowners rarely complete verification before hiring
- The financial incentive to skip insurance policies is significant for some tree care companies
Why "Cheap" Bids from Tree Service Companies Often Mean No Insurance
When you receive a tree removal or tree trimming quote that's dramatically lower than competitors, ask yourself: Where are they cutting costs?
Reputable tree care companies with proper workers comp coverage can't compete on price with uninsured operators because their overhead includes:
- Workers compensation insurance premiums ($8,000-$20,000+ annually for small crews)
- General liability insurance ($2,000-$5,000+ annually)
- Proper safety equipment and training for tree service workers
- Licensed, experienced arborists and tree trimmers
- Proper cleanup and disposal
An uninsured contractor or landscaper can undercut legitimate tree service companies by thousands of dollars per job—but they're transferring their risk directly to you.
How to Verify Workers Compensation Coverage (Your Protection Plan)
Don't take a tree service contractor's word that they're "fully insured." Follow these verification steps before allowing any tree work to begin:
Step 1: Request a Current Certificate of Insurance
Ask the tree service to provide a Certificate of Insurance (COI) that specifically shows:
- Workers compensation coverage with current dates
- General liability insurance coverage
- Current insurance policies dates (not expired)
- Coverage limits ($1 million per occurrence minimum recommended)
- The insurance company's name and contact information
- Policy number for each insurance coverage
- Certificate holder information
Red Flag: If a tree service contractor hesitates, makes excuses, or can't immediately provide this documentation, walk away.
Step 2: Verify Coverage Directly with the Insurance Companies
This is the most critical verification step. Certificate of insurance documents can be forged or outdated. Always:
- Call the insurance company listed on the certificate
- Verify the workers compensation insurance policy is active and current
- Confirm coverage dates include your scheduled tree service work date
- Ask specifically about workers comp coverage and comp policy details
- Verify all tree service workers and employees while on the job are covered (some insurance policies exclude certain employees)
- Request the policy number and confirm it matches the certificate
Red Flag: If the insurance company has no record of the workers comp insurance policy, the coverage has lapsed, or they can't confirm workers compensation coverage, do not proceed with that tree service.
Step 3: Check Insurance Coverage Dates and Limits
Ensure the workers compensation insurance includes:
- The comp policy is active on your scheduled tree service work date
- Coverage limits are adequate (minimum $1M per occurrence, $2M aggregate recommended for general liability)
- There are no gaps in workers comp coverage
- The compensation insurance for tree service covers all company employees who will be working on your property
Step 4: Confirm All Workers Are Covered
Some tree care companies carry work comp but exclude certain tree service workers or use subcontractors. Ask:
- "Are all tree trimmers and arborists who will be on my property covered by your workers compensation insurance policy?"
- "Do you use subcontractors or landscaper partners? If so, do they carry their own workers comp insurance?"
- "Can you provide certificate of insurance documents for any subcontractors?"
- "What is the number of employees covered under your comp insurance?"
Red Flags Indicating Lack of Insurance Coverage
Be wary if a tree service shows these warning signs:
- Offers prices dramatically lower than other tree service companies
- Pressures you to pay cash or avoid contracts
- Can't provide insurance policies documentation immediately
- Gives excuses about "updating" their workers comp coverage
- Suggests comp insurance "isn't necessary" for smaller tree trimming jobs
- Uses vague language like "we're covered" without providing specific insurance coverage details
- Provides certificate of insurance documents that look altered or photocopied poorly
- Operates without a business license or proper permits for tree work
- Can't provide a valid policy number when asked
- Certificate holder information is missing or incorrect
Additional Verification Steps
For complete protection, also verify:
- The tree service business is registered with Florida state authorities
- They follow all contractor insurance requirements
- Their workers compensation coverage won't become null and void during your service
- The insurance company is reputable and licensed in Florida
- An audit trail exists for all insurance policies
Why Andrew's Tree Care Prioritizes Full Insurance Coverage
At Andrew's Tree Care, protecting our clients is as important as protecting our tree service workers. Here's our commitment to you:
Our Comprehensive Insurance Coverage
Full Workers Compensation Insurance
- Every tree service worker and arborist is covered, every day
- No exclusions or gaps in workers comp coverage
- Current certificate of insurance available immediately upon request
- All company employees protected while on the job
- Valid policy number provided for verification
Comprehensive General Liability Insurance
- $1 million per occurrence liability coverage
- $2 million general aggregate
- Property damage coverage for your landscape
- Equipment and vehicle insurance
- Complete tree service insurance coverage
Beyond Insurance Policies: Our Protection Promise
Insurance for tree service is just the beginning. We also protect your property through:
- Preventive turf protection measures (plywood, mats to prevent landscape damage during tree work)
- Careful debris cleanup management (complete cleanup included after tree trimming or tree removal)
- Experienced, trained arborists (Andrew has 6+ years of tree care experience)
- Proper equipment maintenance (reducing accident risks for tree service workers)
- Safety-first protocols (protecting both our tree trimmers and your property)
Our Payment Policy
We don't take payment until you're completely satisfied with our tree service work. This policy reflects our confidence in our team and our commitment to quality tree care.
Understanding Tree Service Insurance Coverage Requirements
While workers compensation insurance is the most critical coverage for protecting you from liability, comprehensive tree service insurance coverage includes multiple insurance policies:
Workers Compensation Coverage
This comp coverage protects:
- Tree service workers injured while on the job
- Medical bills for injured tree trimmers
- Lost wages during recovery
- Rehabilitation costs for severe injury cases
- Permanent disability payments if arborists can't return to work
- Legal protection for both the tree care business and homeowner
Why it matters: Without workers comp insurance, you become personally liable for all these costs when tree service workers are injured on your property.
General Liability Insurance
This liability coverage protects against:
- Property damage to your home, vehicles, landscape, or structures during tree work
- Accidental damage from falling trees or equipment during tree removal
- Damage to neighboring properties during tree trimming
- Third-party injuries (visitors to your property)
Recommended minimum: $1 million per occurrence, $2 million aggregate for reputable tree service companies
Property Damage Coverage
Specific protection for your landscape and property:
- Damage to your roof, siding, windows, or fences during tree service work
- Landscape damage (gardens, sprinkler systems, hardscaping) from tree trimmers
- Underground utilities (water lines, septic systems)
- Driveways and walkways affected by tree removal or cleanup
Vehicle and Equipment Insurance
Protects against risks associated with:
- Damage from trucks or equipment on your property
- Accidents involving company vehicles during tree service work
- Equipment malfunction causing property damage
- Damage near power lines from bucket trucks
Understanding Insurance Policies for Tree Care Companies
Reputable tree care companies maintain multiple insurance policies that work together:
- Workers comp insurance protects employees while on the job
- General liability protects your property and third parties
- Commercial auto covers vehicle-related incidents
- Equipment coverage protects specialized tree service equipment
Each insurance company issues separate insurance policies with unique policy numbers. A complete certificate of insurance should list all relevant coverage.
Questions to Ask Tree Service Companies Before Hiring
Use this checklist to protect yourself when evaluating tree service companies in Clearwater:
Insurance Coverage Verification Questions
- "Can you provide a current certificate of insurance showing workers compensation insurance?"
- "What are your coverage limits for general liability insurance?"
- "Are all tree service workers and arborists who will work on my property covered by workers comp?"
- "Do you use subcontractors or landscaper partners? If so, are they also insured?"
- "Can I contact your insurance company to complete verification of your comp coverage?"
- "Is your workers compensation coverage current through my scheduled tree service date?"
- "Can you provide the policy number for your workers comp insurance?"
- "What is the number of employees covered under your insurance policies?"
- "Do your insurance policies cover work near power lines?"
- "Who is listed as the certificate holder on your insurance?"
Licensing and Credentials for Tree Care Business
- "Are you licensed to operate as a tree service in Clearwater and Pinellas County?"
- "Do you have any certified arborists on staff?"
- "How long has your tree care business been operating?"
- "Can you provide references from recent tree service customers?"
- "What class code does your workers compensation insurance use?"
Service and Safety Questions for Tree Work
- "What safety protocols do your tree trimmers follow?"
- "How do you protect my landscape during tree removal or tree trimming?"
- "What's included in your cleanup process after tree work?"
- "Do you handle permit requirements if needed for tree removal?"
- "What happens if something goes wrong or I'm not satisfied with the tree service?"
- "How do you prune trees safely near power lines?"
- "What training do your tree service workers receive?"
What Answers to Accept vs. Red Flags
Good Answers from Tree Service Companies:
- Immediate provision of certificate of insurance with valid policy number
- Specific workers compensation coverage amounts and insurance policies details
- Willingness to have you complete verification with insurance companies
- Clear explanations of safety measures for tree trimmers
- Professional documentation and contracts for tree service work
- Detailed explanation of how they categorize and classify their insurance coverage
Red Flags from Tree Care Companies:
- Vague responses about comp insurance ("We're covered")
- Reluctance to provide certificate of insurance documentation
- Pressure to start tree work immediately without verification
- Cash-only payment demands
- No written contracts or estimates for tree service
- Defensiveness about workers compensation insurance questions
- Claims their coverage might be null and void but "it's fine"
- Can't provide a valid policy number
- Unclear about number of employees or who's covered
The True Cost of "Cheap" Tree Service Companies
That $1,500 savings on a low-ball tree removal estimate could cost you $500,000 in liability. Here's the real math for tree service work:
Scenario Comparison
Option 1: Uninsured "Cheap" Tree Service Contractor
- Tree removal estimate: $2,000
- No workers compensation insurance
- Tree service worker falls and breaks back during tree work
- Medical bills: $150,000
- Lost wages: $75,000
- Legal fees: $125,000
- Your total liability: $350,000
- Total cost to you: $352,000
Option 2: Fully Insured Tree Care Professional (Andrew's Tree Care)
- Tree removal estimate: $3,500
- Full workers comp coverage and liability insurance
- Tree service worker injury covered by insurance policies
- Zero liability to you for medical bills or lost wages
- Complete cleanup of your landscape included
- Total cost to you: $3,500
Long-Term Value vs. Short-Term Savings with Tree Service Insurance
Working with properly insured tree service companies provides:
- Peace of mind (no liability worries during tree work)
- Quality tree care (experienced, trained arborists and tree trimmers)
- Proper cleanup (complete debris removal from your landscape)
- Satisfaction guarantees (payment only when satisfied with tree service)
- Professional communication (clear timelines and expectations)
- Community reputation (established tree care business with reviews)
- Recourse if problems arise (insurance coverage and legal protections)
- Protection from risks associated with this dangerous job
The small price difference isn't just about the tree trimming or tree removal—it's about protecting your family's financial future from the risks involved in tree service work.
How Insurance Companies Classify and Categorize Tree Service Work
Understanding how insurance companies evaluate tree care companies helps explain why workers compensation insurance is expensive and why some contractors skip it:
Risk Classification
Insurance companies classify tree service work as high-risk because:
- Tree trimmers work at dangerous heights
- Arborists use dangerous tools like chainsaws
- Tree work often occurs near power lines
- The tree care industry has high injury rates
- Severe injury and fatality risks are elevated
- Equipment accidents are common
Class Code Assignment
Each tree care business receives a compensation class code that determines workers comp insurance rates:
- The class code for tree service work carries premium rates 3-5x higher than office work
- Insurance companies use the class code to categorize risk levels
- Different tree service work (tree trimming vs. tree removal) may use different classification codes
- Arborists and tree trimmers are rated based on the risks involved in their specific duties
Premium Calculation
Workers compensation insurance costs for tree service companies depend on:
- The class code assigned to the tree care business
- Number of employees and total payroll
- Claims history and safety record
- The extent of coverage needed
- State insurance requirements in Florida
Why Some Tree Service Companies Skip Coverage
The high cost of comp insurance for this dangerous job leads some tree care companies to:
- Operate without required workers compensation coverage
- Misclassify employees to get lower rates (which makes the policy null and void)
- Use "independent contractors" to avoid coverage requirement (often illegal)
- Underreport the number of employees during insurance company audit
- Claim exemptions they don't qualify for under state law
All of these practices transfer liability and risk to you as the homeowner.
Special Considerations for Tree Work Near Power Lines
Tree service work near power lines presents extreme risks that require additional insurance coverage considerations:
Electrocution Risks
When tree trimmers or arborists work near power lines:
- Contact with live wires can cause instant death
- Tree limbs can conduct electricity during tree trimming
- Equipment like bucket trucks can contact overhead lines
- Falling branches can damage power lines during tree removal
Insurance Coverage for Power Line Work
Verify that tree service insurance coverage specifically includes:
- Work near power lines in the workers comp policy
- Adequate liability coverage for utility damage
- Specialized training for tree trimmers working near power lines
- Proper equipment rated for electrical work
Regulatory Requirements
Florida state law and local regulations require:
- Minimum clearance distances from power lines during tree work
- Specialized training for arborists working near electrical hazards
- Notification to utility companies before certain tree service work
- Additional insurance coverage for high-risk electrical work
Never hire a tree service that can't demonstrate proper insurance coverage and training for work near power lines.
What Happens During an Insurance Company Audit
Reputable tree care companies undergo regular insurance company audits to verify:
Audit Process
Insurance companies conduct an audit to:
- Verify the number of employees matches what's reported
- Confirm payroll amounts for premium calculation
- Ensure proper classification of tree service workers
- Check that all employees while on the job are covered
- Verify the class code is correct for the tree service work performed
- Confirm no misclassification that would make coverage null and void
Why Audits Matter to You
An insurance company audit protects you by:
- Ensuring the workers compensation insurance is legitimate
- Confirming all tree trimmers are actually covered
- Verifying the tree service isn't committing insurance fraud
- Guaranteeing coverage won't become null and void due to misrepresentation
Red Flags During Verification
If a tree service contractor:
- Refuses to discuss their last insurance company audit
- Can't explain their class code or compensation class
- Is vague about the number of employees
- Hasn't had an audit (suggesting no real coverage)
- Shows signs their policy might be null and void
Walk away and find a legitimate tree care business with proper workers comp coverage.
Protecting Yourself from Contractor Fraud
Some unscrupulous tree service companies engage in insurance fraud that puts you at risk:
Common Fraud Tactics
Fake Certificate of Insurance
- Creating fraudulent insurance policies documents
- Using expired certificates with altered dates
- Listing fake policy numbers
- Naming fake insurance companies
Misclassification Schemes
- Claiming tree service workers are independent contractors
- Using the wrong class code to reduce premiums (making coverage null and void)
- Underreporting the number of employees
- Hiding certain tree trimmers from insurance company audit
Coverage Gaps
- Letting workers compensation insurance lapse between jobs
- Timing work during gaps in comp coverage
- Canceling insurance policies after providing certificate
- Excluding certain employees while on the job
How to Protect Yourself
Always Complete Verification:
- Get certificate of insurance with policy number
- Call the insurance company directly (not a broker)
- Verify coverage is active on your service date
- Confirm all tree service workers are covered
- Check that coverage includes your type of tree work
- Verify the certificate holder information
- Ask about recent insurance company audit results
Document Everything:
- Keep copies of all certificate of insurance documents
- Note the policy number and insurance company contact info
- Document your verification calls
- Save all contracts and estimates from the tree service
- Take photos before tree work begins
Use Licensed Tree Care Companies:
- Verify business license with local authorities
- Check for complaints with Better Business Bureau
- Read reviews of other tree service customers
- Ask for references from recent tree removal or tree trimming jobs
- Confirm they follow all contractor insurance requirements
The Role of Brokers and Insurance Companies in Tree Service Insurance
Understanding how tree service insurance works helps you evaluate coverage:
Insurance Company vs. Broker
Insurance Companies:
- Issue the actual workers compensation insurance policy
- Provide the policy number and coverage
- Conduct the insurance company audit
- Pay claims when tree service workers are injured
- Determine the class code and premiums
Broker:
- Helps tree care companies find insurance coverage
- Compares rates from multiple insurance companies
- May issue certificate of insurance on behalf of insurance company
- Doesn't actually provide the workers comp coverage
For verification purposes: Always contact the insurance company directly, not just the broker, to confirm workers compensation coverage is active.
What to Ask the Insurance Company
When you call for verification:
- "Can you confirm this policy number is active?"
- "What is the current status of this workers compensation insurance?"
- "Are all employees while on the job covered under this comp policy?"
- "Does this coverage include tree service work and tree trimming?"
- "What is the compensation class code for this policy?"
- "When was the last insurance company audit completed?"
- "Is there any reason this coverage might be null and void?"
- "Does this liability coverage include work near power lines?"
State Insurance Requirements and Policy in Florida
Florida has specific state law requirements for workers compensation insurance that affect tree service companies:
Florida Workers Comp Law
Coverage Requirements:
- Construction businesses (including tree care business operations) need workers comp with 1+ employees
- Other businesses need coverage with 4+ employees
- State insurance authorities enforce compliance
- Penalties for operating without required comp coverage
- State law mandates specific coverage minimums
Exemptions:
- Sole proprietors with no employees
- Certain corporate officers (with proper documentation)
- Must file exemption paperwork with state insurance authorities
- Exemptions don't eliminate the need for general liability insurance
Verification Resources
Florida provides resources to verify:
- Business license status
- Workers compensation coverage compliance
- Contractor insurance requirements
- State insurance regulations
- Class code assignments
Use these state resources in addition to direct insurance company verification for complete protection.
Protect Yourself Before Hiring Tree Service Companies
Workers compensation insurance is non-negotiable when hiring tree service companies in Clearwater. Here are the key takeaways:
Critical Points to Remember
- Tree service work is a dangerous job with high injury rates for tree trimmers and arborists
- You can be held personally liable for injuries to uninsured tree service workers on your property
- Liability costs including medical bills and lost wages can reach hundreds of thousands of dollars or more
- Florida state law requires workers comp for most tree service companies and tree care business operations
- Many contractors operate illegally without proper workers compensation coverage
- Always complete verification directly with insurance companies using the policy number
- Cheap bids from tree service companies often indicate no comp insurance and massive risk transfer to you
- Proper workers compensation insurance is your financial protection against catastrophic liability
- The risks involved and risks associated with tree work near power lines require specialized coverage
- Insurance company audits and proper class code classification ensure legitimate coverage
Your Action Plan
Before hiring any tree service:
- Request current certificate of insurance with policy number
- Complete verification directly with insurance companies (not just broker)
- Confirm all tree service workers and arborists are covered
- Verify coverage dates include your tree service work date
- Check that the number of employees matches what's insured
- Confirm coverage includes your type of tree work (tree trimming, tree removal, work near power lines)
- Verify the compensation class code is appropriate for tree service
- Ask about recent insurance company audit results
- Ensure coverage won't become null and void
- Get everything in writing
- Never pay cash or skip contracts
- Choose protection over price from reputable tree care companies
The Empowerment Message
You have the power to protect your family and your financial future from the risks associated with tree service work. By asking the right questions and completing proper verification of workers compensation coverage, you eliminate the risk of devastating liability. Don't let a tree service contractor's lack of responsibility become your financial catastrophe.
Work with a Fully Insured Tree Care Professional
At Andrew's Tree Care, we make verification easy because we have nothing to hide. Our full workers compensation insurance and liability coverage protects both our tree service workers and your property on every single job.
Why Clearwater Homeowners Choose Our Tree Service
Family-Owned Tree Care Business
Founded in 2020 by Kelly (a former nurse with 28 years of healthcare experience) and Andrew (with 6+ years of professional tree care experience), we built our tree service on the values of care, communication, and community trust.
Complete Insurance Coverage
- Workers compensation insurance for all tree service workers and arborists
- Every employee while on the job is covered
- $1 million per occurrence liability coverage
- $2 million general aggregate
- Certificate of insurance with policy number available immediately
- Full compliance with all contractor insurance requirements
- Regular insurance company audit confirms our coverage
- Proper class code classification for all tree service work
- Coverage includes work near power lines
- All insurance policies current and verified
Our Satisfaction Guarantee
We don't take payment until you're completely satisfied with our tree service work. This policy reflects our confidence in our tree trimmers and our commitment to quality tree care.
Comprehensive Tree Service Work
- Tree trimming and pruning by certified arborists
- Tree removal (all sizes)
- Palm trimming following proper techniques to prune safely
- Stump grinding and complete cleanup
- Emergency tree service available 24/7
- Professional landscape protection during all tree work
Serving Your Community
We proudly serve Clearwater, Palm Harbor, Dunedin, Oldsmar, Largo, Safety Harbor, Seminole, St. Petersburg, Tarpon Springs, and surrounding Pinellas, Pasco, and Hillsborough County communities with professional tree care.
Special Offers
- 10% discount for veterans and military families
- 15% discount for Dunedin Moms group members
- Seasonal promotions available
- Free Veterans Day tree service for veterans
Get Your Free, No-Obligation Estimate
Ready to work with a tree service that puts your protection first through proper workers compensation insurance? Contact Andrew's Tree Care today.
Available 24/7 for emergency tree service
We'll provide you with our current certificate of insurance including policy number, answer all your questions about our workers compensation coverage, and give you a detailed estimate for your tree care needs—with complete transparency and zero pressure. You can verify our comp insurance directly with our insurance company, and we welcome your due diligence.
Don't Risk Your Financial Future on Uninsured Tree Service Companies
Your home is likely your largest investment. Protect it by choosing a tree service that protects you through proper workers comp insurance. The risks involved in tree work are too great to trust uninsured contractors or tree care companies that cut corners on insurance coverage.
Request your free estimate today and experience the Andrew's Tree Care difference: professional arborists and tree trimmers, complete workers compensation insurance, full liability coverage, and the peace of mind that comes from working with a family-owned tree care business that truly cares about your safety and satisfaction.
Our commitment to maintaining proper insurance policies, passing every insurance company audit, using the correct compensation class code, and ensuring all our tree service workers are protected while on the job means you can focus on enjoying your beautiful landscape—not worrying about liability.