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Try one of these. They’ve been nothing but professional in my dealings with them.Glad you brought this up. I'm looking to get a couple trees down myself but also having problems with getting people to show up for a estimate.
Thanks guys I appreciate the input. As I said I carry a WC policy for my small real estate company as I hire contractors for lawn maintenance etc., and they generally do not have WC so I protect myself. The premiums on my policy are about $2,500 per year and I generally get a returned premium every year because I have such low need for outside contractors . One year, however I did some roofing work and the total expenditure was about $2,500. My WC insurer assessed be dollar for dollar, in other words they billed me $2,500 for the WC coverage on that job. They said roofing was one of the highest risk categories, even though it was a flat, one story commercial roof.
I was stunned at the cost. I use Travellers and I know they are very high, so am I just vastly overpaying based on the figures above. With the tree company example, is the premium going to be 1 for 1 as it's a high risk profession. Would it be $3,000 for the WC premium on a $3,000 tree job? Is that possible...and do I need a company different than Travellers. My renewal is coming up so I might need to make a change.
If an accident occurred on my property and someone was injured am I the responsible party or does it fall on the owner of the tree company. Also, would my liability insurance cover it or would they deny based on the grounds that I didn't hire a company with WC insurance.