Appropriate insurance matters because tree work can involve work at height, heavy branches, machinery and activity close to buildings, vehicles and neighbouring property.
Leaf It To Me Tree Services carries $20,000,000 Public Liability Insurance. Customers are welcome to ask for current evidence and check that it relates to the business and services named in their quote.
Ask for the actual current evidence
Request documents before booking substantial work, not after an incident. Check the policy period includes the planned date and that the insured name matches the business or contracting entity.
A screenshot of a logo or an undated statement is not enough.
Public liability
Public-liability cover is commonly relevant where business activity could cause injury or property damage. Ask whether the described tree work is within the insured activity and whether there are exclusions relevant to height, demolition, subcontractors, cranes or powerlines.
Only the insurer or broker can confirm how a policy responds to a specific event.
Workers compensation and the crew
Ask how workers are engaged and what workers-compensation arrangements apply. If subcontractors are used, ask how their evidence is checked and who is responsible for the site.
Do not assume one company’s certificate covers every independent contractor.
Vehicles, plant and specialist activities
Motor, equipment and other policies may be relevant to the provider but do not replace public liability or worker protections. Specialist activities can require particular conditions or authorisations.
The homeowner’s role is not to become an insurance lawyer. It is to ask for evidence, read the key details and raise anything inconsistent with the proposed work.
Why checking insurance matters
If a provider cannot produce current evidence, do not let urgency pressure you into proceeding. For storm damage, address immediate danger through emergency and electricity authorities first.
Check that the evidence relates to the business named on the quote and to the work being discussed. Raise any mismatch before accepting the quote.
When to call Josh
Call Josh when the decision depends on the actual tree, property or access, especially when:
- You want Leaf It To Me’s current documents before booking
- You want to know which entity will quote and carry out the work
- The job involves specialist access or another contractor
- You need the written scope before discussing evidence
Frequently asked questions
How can I verify a tree company’s insurance?
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Ask the company for current evidence and compare the insured entity, policy dates and relevant cover with the name on the quote. Contact the insurer or broker if you need confirmation.
Is a certificate of currency a guarantee of cover?
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No. It is evidence of a policy at a point in time, subject to terms, exclusions and the facts of an incident. Ask the insurer or broker where confirmation is needed.
Should I check the business name?
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Yes. Compare the insured entity with the quote, invoice and the party actually carrying out the work.
Keep clear of damaged or unstable trees. Call Triple Zero for life-threatening emergencies and the relevant authority for powerlines, council approvals, plumbing or structural advice. Josh provides a free on-site quote for tree work within Leaf It To Me’s scope.