Tree work is consistently ranked among the most dangerous occupations in the country. Chainsaws, heavy equipment, falling limbs, uneven ground. That risk is why we carry the coverage we do, and why proof of it is yours for the asking before we start.
This is a plain-English explanation of what StumpBusters carries on every job, what each policy actually does, and how you can see it for yourself. It isn’t legal advice. For questions about your own policy, talk to your insurance provider.
What We Carry
Three policies, active on every job:
- Workers’ compensation: covering our crew on every job.
- Commercial general liability: covering damage our work causes on your property.
- Commercial auto liability: the trucks and equipment we bring onto your property.
What Each One Actually Does
Workers’ compensation
This is the policy that matters most to you as a property owner, and it’s the one people think about least.
Premises liability is the legal principle that property owners carry some responsibility for what happens on their property. In tree work, that principle can reach further than most homeowners expect. A serious injury on a job site, like a fall or a chainsaw accident, can generate six figures in medical costs, lost wages, and rehabilitation.
Our workers’ compensation policy is what absorbs that. If someone on our crew is hurt on your property, their medical bills and lost wages run through our policy. Your homeowner’s insurance is never involved, and the whole thing stays our problem, start to finish. Our written guarantee says exactly that.
Commercial general liability
This is the property-damage policy. Trees and stumps don’t always come down exactly where everyone expects. A limb catches a roofline. A grinder throws debris. Equipment backs into a fence post. These things happen on real job sites, even with experienced operators and good judgment.
When it happens on one of ours, our general liability coverage pays for the repair. You don’t file a claim on your homeowner’s policy, you don’t pay a deductible, and you don’t absorb a premium increase for work you didn’t perform.
Commercial auto
Trucks, trailers, and grinders come up your driveway and sometimes across your lawn. Commercial auto liability covers all of it, in transit and on site.
Pennsylvania Requirements
Pennsylvania law requires most employers to carry workers’ compensation insurance. We carry it for our crew, on every job, across Lancaster, Dauphin, Lebanon, and York counties.
Coverage also has to be current. A policy runs for a term and renews, so the effective dates on the certificate are what tell you it’s active today. Ours are right there on the document.
How To See Our Certificate of Insurance
Ask, and we’ll have our insurance carrier send the Certificate of Insurance directly to you.
The carrier sends it rather than us forwarding a copy, so what lands in your inbox is current and comes straight from the source. It costs nothing and takes one phone call on our end.
The COI lists the policies we carry and their effective dates. Everything described on this page is on that one document.
Insurance Pays. The Guarantee Puts It In Writing.
Our Zero-Risk Guarantee is a written commitment that injuries to our crew while we’re working on your property are our responsibility, never yours, and a signed copy is available with any quote. The same guarantee stands behind the work itself: six inches below grade on every stump. It’s yours to keep.
Coverage and paperwork do different jobs. If a worker is injured and their health insurer pays the initial costs, that insurer can pursue subrogation, meaning it can seek recovery from whoever is legally responsible, regardless of what anyone signed. Active insurance is what answers that. The guarantee is the written commitment sitting on top of it, and we provide both on every job.
Read the full Zero-Risk Guarantee →
Frequently Asked Questions
What does workers’ compensation do if a StumpBusters worker is injured on my property?
It covers their medical bills, lost wages, and rehabilitation costs through our policy. Your homeowner’s insurance is not involved, and the Zero-Risk Guarantee puts that responsibility in writing.
What happens if StumpBusters damages my property?
Our commercial general liability coverage pays for the repair. You don’t file on your homeowner’s policy, you don’t pay a deductible, and you don’t take a premium increase for work you didn’t perform.
What insurance does StumpBusters carry?
Workers’ compensation, commercial general liability, and commercial auto. All three are active on every job.
Can I see your Certificate of Insurance?
Yes. Ask and we’ll have our carrier send it to you directly, so what you receive is current and straight from the source. It lists the policies we carry and their effective dates.
Is a signed waiver the same thing as insurance?
No. If a worker is injured and their health insurer pays the initial costs, that insurer can pursue subrogation regardless of what anyone signed. Active insurance is what answers that. Our Zero-Risk Guarantee is a written commitment on top of active coverage, not a substitute for it.
Does Pennsylvania require workers’ compensation?
Yes. Pennsylvania law requires most employers to carry it. We carry it for our crew on every job across Lancaster, Dauphin, Lebanon, and York counties.
Every Job, Every Time
All three policies active on every job, and a signed copy of the guarantee available the moment you ask. That’s how we run every job: a single $150 stump and a multi-day commercial clearing get the same protection.
