Licensed & Insured
Here's What That Actually Means
Every tree service says it. Few actually have it. Some are operating on nothing more than a driver's license and truck insurance — which covers exactly none of the risks you take when someone climbs a tree on your property.
What We Actually Carry
Four real pieces of coverage — each one protects you in a different, specific way.
State of California
Contractor's License #851661
Legal authorization from the California Contractors State License Board to perform tree work for hire. It means we've passed exams, posted a bond, and operate as a real, regulated business.
If they don't have this
Without this, the “company” is operating illegally on your property — and you have no recourse with the state if the job goes wrong.
Every crew member covered
Workers' Compensation
If one of our crew is injured on your property, our workers' comp policy covers their medical bills and lost wages. You are never asked to pay, and your homeowner's insurance is never touched.
If they don't have this
If a tree guy with no workers' comp gets hurt in your yard, you can be held personally liable. That is the single biggest hidden risk homeowners take when they hire cash-only crews.
Personal & property damage coverage
General Liability (PL & PD)
Real insurance that covers property damage and personal injury during the job — your house, fence, driveway, landscaping, neighbors' property, the whole thing.
If they don't have this
A driver's license and truck insurance do none of this. Truck insurance only covers the truck while it's on the road. It does not cover a branch that goes through your roof.
Available for your job
Additional Insured on Request
We can name you (the homeowner) as an additional insured on our general liability policy for your specific job. Ask and we'll send it in writing before we start.
If they don't have this
Many tree services can't offer this — because they don't have a real policy to add you to. If someone tells you “we're insured” but can't produce a certificate with your name on it, that's your answer.
Our Offer
Ask to be added as additional insured.
For your specific job, we can name you as an additional insured on our general liability policy — giving you direct protection and a certificate in writing before we start work. Just ask when you call. Many tree services can't do this. We can, and we do.
Driver's License & Truck Insurance ≠ Licensed & Insured
The honest comparison no one else will show you.
What many tree services carry
A driver's license and truck insurance.
- —No contractor's license (not legal to hire for tree work).
- —No workers' comp (you can be sued if a worker is hurt on your property).
- —No general liability (damage to your home, fence, or landscaping is on you).
- —Truck insurance only covers the truck while driving — nothing on the job.
What Anderson carries
A real, regulated, fully-insured tree service.
- ✓California Contractor's License #851661.
- ✓Workers' Compensation on every crew member.
- ✓General Liability (PL & PD) for property and personal injury.
- ✓Homeowner added as additional insured on request, in writing.
The Anderson Credentials
License #851661
State of California
Workers' Comp
Every crew member covered
PL & PD Insurance
Personal & property damage
ISA Certified Arborist
On staff for professional assessments
Want to see proof? We'll email a current certificate of insurance with your name on it before we start the job. Just ask.
Hire the Tree Service That Can Actually Prove It.
Free estimates, written certificates of insurance, and 35+ years of doing it right. Call Ken directly or send a message — we'll get you squared away.
Same-day estimates available • Emergency service 24/7