When it comes to caring for your property, few things are as important as keeping your trees healthy, safe, and well-maintained. Trees add beauty, shade, and value to your home, but when they grow too large, become diseased, or get damaged during storms, they can also become dangerous. At that point, you’ll likely start searching for professional help.
One of the most important decisions you’ll face is whether to hire a professional company that offers insured tree service in Keene or to take a chance with an uninsured contractor offering a “better deal.” While it might be tempting to save a few dollars up front, the risks of hiring uninsured workers can far outweigh any short-term savings.
Let’s break down why choosing insured tree service in Keene is always the smarter, safer, and more responsible choice.
What Does “Insured Tree Service” Mean?
When a company provides insured tree service, it means they carry active insurance policies that protect both their workers and your property in the event of an accident. Tree work is inherently risky — climbing, using chainsaws, working at heights, and operating heavy equipment all come with hazards.
Insurance ensures that if something goes wrong, you, as the homeowner, are not left holding the bill. Typically, insured companies will carry:
- General liability insurance – Covers accidental property damage, such as if a tree limb crashes through your fence or roof during removal.
- Workers’ compensation insurance – Protects workers if they are injured on the job, so you’re not responsible for medical costs or lost wages.
An uninsured contractor, on the other hand, shifts all of those risks directly onto you.
Why Hiring Uninsured Contractors Is a Gamble
It’s easy to understand why some homeowners are drawn to uninsured contractors: they often advertise cheaper rates, cash deals, or “under-the-table” arrangements. But here’s the reality: what you save upfront could cost you thousands — or even tens of thousands — later.
1. You Could Be Liable for Injuries
Imagine a contractor falling off a ladder while cutting your tree. If they don’t have workers’ comp insurance, guess who’s responsible for their medical bills? You. Even worse, they could take legal action against you as the property owner.
2. Property Damage Isn’t Covered
If an uninsured contractor drops a tree on your garage, damages your neighbor’s fence, or knocks down utility lines, you’ll be the one paying for repairs. With an insured company, those costs are covered under their policy.
3. No Guarantee of Professional Standards
Insurance is a sign of professionalism. Companies that invest in insurance are serious about their work and committed to protecting clients. Uninsured contractors often cut corners, rush jobs, and disappear when something goes wrong.
4. No Recourse if Things Go Wrong
If you’re unhappy with the work of an uninsured contractor, your options are limited. Many don’t have a physical business address, written contracts, or even a reputation to protect. Once they’re gone, they’re gone.
The Benefits of Choosing Insured Tree Service in Keene
On the flip side, hiring a company like Wilcox Tree Service, which provides insured tree service in Keene, comes with clear benefits that go far beyond just peace of mind.
1. Protection for Your Home and Family
Your home is your biggest investment. With insured tree service, you’re covered if an accident happens during the job. You don’t have to worry about unexpected expenses from property damage or medical emergencies.
2. Professionalism You Can Trust
Insurance shows commitment. Insured companies have gone through the effort to meet industry standards, follow regulations, and operate legitimately. This reflects their dedication to safe, reliable work.
3. Skilled Teams with Proper Equipment
Companies that carry insurance typically also invest in training, equipment, and safety protocols. That means the work is not only covered but also more likely to be done right the first time.
4. Long-Term Value
An insured company will provide a detailed estimate, follow through on the job, and stand by their work. That reliability saves you stress, money, and headaches in the long run.
Real-World Example: Storm Damage and Insurance
Picture this: A summer storm hits Keene, and one of your large oak trees splits, with heavy branches hanging dangerously over your driveway. You call two different contractors.
- The first one, an uninsured contractor, offers to do the job “cheap.” But if they accidentally drop a branch on your car, you’ll be the one paying for repairs.
- The second, a professional insured tree service, gives you a fair quote, explains the process, and guarantees that if anything unexpected happens, you’re fully protected.
In that moment, which would you rather choose? Most homeowners realize the “cheap” option isn’t so cheap after all.
How to Tell If a Company Offers Insured Tree Service in Keene
Not sure how to confirm if the company you’re hiring is properly insured? Here are some tips:
- Ask directly – A reputable company will never hesitate to provide proof of insurance.
- Request a certificate of insurance – Don’t just take their word for it; ask for documentation.
- Check for transparency – Legitimate companies will provide detailed written estimates, clear contact information, and reliable references.
If a contractor dodges these questions, that’s a red flag.
Why Wilcox Tree Service Is the Trusted Choice in Keene
At Wilcox Tree Service, we take safety and professionalism seriously. We know that tree care isn’t just about trimming branches or cutting down trees — it’s about protecting your property, your family, and your peace of mind. That’s why we provide fully insured tree service in Keene and the surrounding area.
Here’s what sets us apart:
- Local expertise – We’ve worked with Keene homeowners for years and understand the unique challenges of New Hampshire’s trees and weather.
- Reliable response – From routine pruning to emergency storm cleanup, we respond quickly and get the job done right.
- Transparent pricing – We provide clear estimates upfront, so there are no surprises.
- Commitment to cleanup – When we’re done, we leave your property clean, safe, and looking better than when we arrived.
Final Thoughts
Hiring uninsured contractors for tree work may seem like a bargain, but the risks are simply too high. From potential injuries to costly property damage, one mistake could leave you with bills that far exceed any money saved.
Choosing insured tree service in Keene means you’re hiring professionals who stand behind their work, protect your property, and give you peace of mind.
At Wilcox Tree Service, we believe safety, reliability, and customer satisfaction should never be compromised. If you need tree removal, pruning, storm cleanup, or stump grinding, trust the insured experts who are committed to doing the job right.
Call Wilcox Tree Service today at 603-363-8197 for a free estimate on insured tree service in Keene.