A Word About Insurance
Why is it important that you hire an insured contractor to do work around your home? Why is worker's compensation insurance important?
When it comes to hiring a lawn maintenance professional to work on your property, one of the biggest considerations in hiring should be whether or not they are insured. It's not just a matter of a possible broken window or perhaps a scratch on your family automobile. Lawn care is inherently dangerous work, with powerful equipment capable of serious damages and/or injuries. A lawn care provider who is not insured against those damages or injuries makes you and your assets vulnerable.
Any third party damages or injuries that occur while an uninsured lawn care provider services your property means that the third party is likely to come after you. An uninsured lawn care provider is not only unlikely to be willing to face the repercussions of damages or injuries, but also very unlikely to have the cash resources to pay for the damages or injuries. It's far easier to disappear or go out of business than face up to a large claim against them. Which leaves that third party with you as the fall guy for the damages or injuries.
So what, you might say. My homeowners insurance will cover me. Unfortunately, most homeowner policies will not cover claims filed as a result of an uninsured contractor working on your property. Most will also immediately cancel the homeowner's policy as soon as the claim is filed. Which leaves you, your home and your assets to pay for any claims as a result of damages to not only your property, but also damages or injuries to others.
Additionally, any lawn care provider who does not carry worker's compensation leaves you vulnerable to worker injuries suffered while on the job. You can be sure that if an employee of an uninsured contractor is seriously injured on your property, you will likely be named as a defendent in a lawsuit and your homeowners insurance will likely leave you holding the bag. .
So what does all this mean? Insurance premiums for the lawn care industry are high, and there are many lawn care providers that do not carry liability insurance nor worker's compensation insurance on their employees in order to save a buck. Their rates may be lower than those who do carry insurance. But in the end, that few dollars of savings you see in their lawn care rates can cost you the home and assets that you have worked so hard to gain.
Rest assured, TJ's Lawn Care is fully covered with liability and worker's compensation insurance. We take great care to maintain the highest standards of care and safety, and have an excellent safety record over the last 10 years of business. Our goal is to leave your property in the same state we find it. However, you can be sure if damages or injuries do occur, we are fully covered, and you are protected. When you do business with us, your personal net worth is safe.