What should I do if a tree company says it has no insurance?

A company with no insurance may quote a lower price. That lower price often exists because the risk has moved to you.

If damage happens, a company with no cover may not be able to pay, and you may need to turn to your own homeowners policy. If a worker is hurt, you may be pulled into a claim. Policies and state laws differ.

The safer path is simple. Get two or three written quotes, and ask each company for a certificate of insurance. Call the insurer on the certificate to confirm the policy is active. If a company will not send one, you can walk away. 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.