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Our Promise To You

The Zero-Risk
Guarantee™

A signed legal document we hand you before every job.

What this means for you (in plain english)

Before we start any job, we hand you a signed legal document that says:

"If we get hurt on your property, that's on us. We will never sue you."

Our Workers. Our Responsibility.

Tree work is dangerous — chainsaws, heavy equipment, falling limbs. If one of our crew gets injured on your property, our workers' compensation insurance handles it. Your homeowner's insurance is never touched. You won't receive a bill, a phone call, or a lawsuit from us for injuries our workers sustain while doing the job. That's what our insurance is for.

Our Equipment. Our Mess.

If our stump grinder kicks a rock through your windshield or a limb we're cutting clips your fence — we take care of it through our general liability insurance. You don't need to file a claim on your homeowner's policy. We handle it through ours.

When We Leave, We're Done.

This guarantee covers what happens while we're on your property doing the work. Once the job is complete and we drive away, your yard is your yard — same as it was before we showed up. Clean break. No loose ends.

What we carry
Workers' Compensation
Every employee, every job, classified for tree care — not landscaping.
Commercial General Liability
$1M+ per occurrence, classified for stump grinding and tree work.
Commercial Auto Liability
All vehicles and equipment on every job site.

We're happy to send you a Certificate of Insurance straight from our insurance carrier — not a photocopy, not an expired document. The real thing, sent directly from the source. Just ask.

Why we do this

We haven't found another stump grinding or tree service in Central PA that does this. If you find one, let us know — we'd love the company.

A lot of tree service companies say they're "fully insured" — and most of them mean well. But there's a big difference between saying it and putting it in writing. We figured, why not just make it official?

We put together a deep-dive on what can happen when a company doesn't carry proper coverage. It's worth a read if you're comparing quotes. Why Hiring an Uninsured Tree Service Could Be the Most Expensive Mistake You Make →

The Actual Document

This is the waiver we hand to every customer before work begins. Feel free to read the whole thing — it's written to protect you.

STUMPBUSTERS LLC
Elizabethtown, Lancaster County, Pennsylvania  ·  (717) 468-1978  ·  stumpbustersllc.com

Contractor Waiver of Claims
& Assumption of Risk

The StumpBusters Zero-Risk Guarantee™

THIS WAIVER is made as of the date below by StumpBusters LLC, Elizabethtown, Lancaster County, PA (“Contractor”) for the benefit of (“Property Owner”) at:

1. Waiver of Claims Against Property Owner

Contractor, on behalf of itself, its owners, employees, agents, and subcontractors, hereby voluntarily and unconditionally waives any and all rights to bring claims, demands, suits, or actions against Property Owner for bodily injury, death, or property damage sustained by Contractor’s workers while actively performing the Services on Property Owner’s premises, specifically including injuries caused by the negligence of Contractor, Contractor’s employees, agents, or subcontractors.

2. Assumption of Risk

Contractor acknowledges that stump grinding, tree trimming, and related services involve inherent risks including use of chainsaws, stump grinders, chippers, and heavy equipment; working at heights; falling trees, limbs, and debris; flying rocks and wood chips; and proximity to structures, vehicles, utilities, and power lines. Contractor voluntarily assumes all such risks and acknowledges that Property Owner bears no responsibility for injuries to Contractor’s workers arising from performance of the Services.

3. Property Damage by Contractor

If Contractor’s operations cause damage to Property Owner’s property, neighboring properties, vehicles, or structures during active performance of the Services, Contractor is solely responsible. Claims are handled through Contractor’s liability insurance. Property Owner is not required to file on their homeowner’s policy.

4. Limitations — What This Does Not Cover

This Agreement applies only while Contractor is actively performing Services. It does NOT:

  • Create any obligation after Contractor completes Services and departs — once done, property condition is solely Property Owner’s responsibility;
  • Cover post-completion claims — e.g., someone tripping over where a stump was removed months later is Property Owner’s premises liability;
  • Waive claims from undisclosed hazards — Property Owner agrees to disclose underground utilities, septic, wells, buried debris before work begins;
  • Waive claims from Property Owner’s gross negligence, recklessness, or intentional acts.

5. Scope of Services

Work:

Date(s):    Price: $

6. Governing Law & Severability

Governed by the laws of the Commonwealth of Pennsylvania. Contractor voluntarily assumes these obligations with full knowledge of their legal significance. If any provision is found invalid, remaining provisions continue in full force.

Signatures

CONTRACTOR — StumpBusters LLC
Signature
Date
Print Name
Title
PROPERTY OWNER (Acknowledgment)

“I acknowledge receipt of this Waiver. StumpBusters has agreed not to hold me liable for injuries to their workers during the job. Once complete and they leave, my property is my responsibility.”

Signature
Date
Print Name
StumpBusters LLC  ·  Elizabethtown, PA  ·  (717) 468-1978  ·  stumpbustersllc.com
Lancaster  •  Dauphin  •  Lebanon  •  York Counties  ·  7 Days a Week
Download as PDF →
Frequently Asked
What is the StumpBusters Zero-Risk Guarantee?
It's a signed legal document where we voluntarily waive our right to sue you for any injuries our workers sustain while performing the job on your property. We hand it to you before any work begins.
Does StumpBusters have workers' compensation insurance?
Yes. Every employee is covered under our workers' compensation policy, classified specifically for tree care work. We're happy to send you a Certificate of Insurance directly from our carrier before we arrive.
Am I liable if a tree worker gets hurt on my property?
It depends on the company you hire. If they don't carry workers' compensation, you could potentially be on the hook for medical bills. With us, our insurance covers it and the signed guarantee puts it in writing that we won't come after you.
What if your equipment damages my property?
Our commercial general liability insurance covers it. If we damage your property, fence, vehicle, or anything else during the job, we handle it through our policy. You don't need to file a claim on your homeowner's insurance.
Does this guarantee cover anything after the job is done?
No. It covers what happens while we're actively on your property doing the work. Once we're finished and we leave, your property is your responsibility — just as it was before we showed up.
Do other tree service companies offer something like this?
We haven't come across another one in our area that does, but we'd be glad to see more companies adopt something similar. It's good for homeowners and good for the industry.

Want to see what working with us looks like?

Every job. Every time. The signed guarantee before the first cut.

Book Your Estimate → 717-468-1978
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