For tree service owners
What happens if an uninsured worker gets hurt on a tree job?
Short answer
Medical bills and lost pay can land on the owner, and some states add fines or penalties. The customer may also be pulled into the problem. Ask your state workers' compensation office what applies to you, and talk to an insurance agent before you put anyone on a crew.
By Umair Nawaz. Published October 25, 2026. General information, not legal, tax or insurance advice.
The longer answer
Tree work is one of the riskier trades. If a worker is hurt and there is no workers' compensation cover where it is required, the owner can face the bills directly. Some states also fine owners who skip required cover.
Owners often ask whether calling workers "1099 contractors" removes the duty. It is not that simple, because states look at how the work is really done. Ask your state agency, not a friend.
For homeowners this is also a reason to ask for proof of cover before work starts. If a worker is hurt on your land, you could be drawn into a claim. Rules differ by state; see /tree-service-license for your state's official sources. This is a short explanation, not legal advice. Check with your state, county and city, and ask your own insurance agent or an attorney about your case.
More answers for owners
- What insurance does a tree service usually need?Read the answer
- What is a certificate of insurance, and when will a customer ask for one?Read the answer
- What is a job ticket and how do I use one for tree work?Read the answer
- What is a tailgate safety meeting for a tree crew?Read the answer
- What is GEO and does a tree service need it?Read the answer
- What is the right way to handle a customer who wants to help?Read the answer
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