Recently, a microburst of storms hit Collingswood, NJ and some other towns early Saturday morning. We thought we would provide a little insight on what it means when a company says it is “licensed and insured.”
A company may refer to themselves as a “licensed” tree company. This could mean a multitude of things. They should have a business license that allows them to operate legally in the state of NJ. This does not satisfy the requirements of the “Tree Expert and Tree Care Operator’s Licensing Act 45:15C-11.” It is always a plus when a company employs a “Certified Arborist” through the International Society of Arboriculture or ISA. This also does not satisfy the requirements of the law. Remember, a company must employ an LTE (Licensed Tree Expert) or LTCO (Licensed Tree Care Operator) in order to perform tree operations in NJ. The LTE/LTCO exam/s require a field portion as well as a written test which other licenses may not.
A company may refer to themselves as an “insured” tree company. This could also mean a multitude of things. Many times, with emergent tree work, companies rush to the scene to procure tree work even though they are not properly insured to do so. This leaves the client at risk. An example is a policy that is rated for general construction or landscape. Both of those categories carry a much lower premium than tree operations. A company’s comp insurance should be rated for “tree operations” so that both the homeowner and the company have some peace of mind. Ask to see the policy!
Last but not least, all tree company employees should be equipped with and wearing the proper personal protective equipment (PPE). This includes hardhats, hearing protection, safety glasses, and chainsaw chaps/pants.