Here’s something we’ve been thinking about for a while: insurance is the one part of this job you can’t inspect. You can see our equipment and our crew, but you have no way of knowing what’s behind us unless we show you.
Coverage also has to be current, because a policy that was active last season isn’t automatically active today. None of that is visible from your driveway.
We wanted to take the guesswork out of it, for you and for us.
What the Zero-Risk Guarantee Is
Every job we take is covered by a written guarantee with one promise at the center:
If anyone gets hurt or anything gets damaged while we’re working on your property, that’s our responsibility to handle. Never yours.
We call it the StumpBusters Zero-Risk Guarantee™. It’s a real legal waiver, not a handshake, and a signed copy is yours on request. Show it to your spouse or hand it to your insurance agent if you want.
Here’s what it covers:
Our workers, our responsibility. If one of our crew gets injured on your property, our workers’ compensation insurance handles it. Your homeowner’s insurance stays out of it entirely.
Our equipment, our mess. If our grinder kicks a rock through your windshield or a limb clips your fence, we take care of it through our commercial general liability insurance. You don’t need to get your homeowner’s policy involved.
Six inches down, every stump. The work itself carries the same guarantee: at least six inches below grade, typically a foot or more. If a hidden obstruction stops us short, you hear about it before we leave.
When we leave, we’re done. The guarantee covers what happens while we’re actively working. Once we drive away, clean break.
Why We Created It
Honestly, it came from flipping it around. If it were our yard, our family, and heavy equipment running forty feet from the house, what would we want to be holding before the work started? This is the answer we came up with.
We wrote a guide to how tree service insurance works, covering what general liability and workers’ compensation actually pay for and what Pennsylvania law requires. Worth a read if you want to understand the coverage behind the work.
We carry workers’ compensation, commercial general liability, and commercial auto, active on every job. The guarantee is just our way of putting all of that in writing and handing it to you upfront, so there’s no question about where things stand.
What It Means On Your Job
Every job gets the same document and the same active coverage: workers’ compensation, commercial general liability, and commercial auto. There’s no small-job version.
Any time you want to see the Certificate of Insurance, just ask and we’ll have our carrier send it straight to you, not a photocopy out of our files.
Read the Full Document
The complete waiver, the plain-English breakdown, our insurance details, and a downloadable PDF are all on our Zero-Risk Guarantee page. Take a look. The whole thing is written to protect you.
View the StumpBusters Zero-Risk Guarantee™ →
