Is Maven Tree Services Insured for Tree Pruning Work? License & Coverage Explained

Nearly 40% of tree service companies operating in New Mexico lack proper insurance coverage. Even worse, some actively lie about their insurance status until an accident forces the truth into the open—leaving homeowners legally liable for injuries and damages. One accident with an uninsured contractor can cost you hundreds of thousands in liability.

This article answers whether Maven Tree Services is insured for tree pruning work and shows you exactly how to verify our coverage before we start your project. We'll break down our specific insurance policies, explain New Mexico's licensing requirements, and give you the exact steps to request and review proof of insurance. You'll also learn why many Albuquerque tree services operate without coverage and how to spot red flags.

Is Maven Tree Services Insured for Tree Pruning?

Yes, Maven Tree Services carries full insurance coverage for all tree pruning work in Albuquerque. We maintain $1 million in general liability insurance to protect your property from accidental damage during tree work. We also carry workers' compensation insurance up to $1 million per employee to cover any job-site injuries.

We are licensed to operate in New Mexico through the Secretary of State and provide proof of insurance to any customer who requests it. Simply ask during your free estimate and we'll email you copies of our current insurance certificates for your review.

We are not bonded because New Mexico does not require bonding for tree service businesses. Bonding protects against contract violations, while insurance covers accidents and injuries—the real risks in tree work.

Need to verify our coverage before scheduling? Request proof of insurance with your free estimate and we'll send documentation within 24 hours.

Maven's Insurance Coverage for Tree Pruning Work

Our $1 million general liability coverage protects your property from accidental damage during tree pruning. This includes falling branches that damage roofs, equipment mishaps that break fences, and landscape damage from heavy machinery. If something goes wrong, your property is protected.

Workers' compensation insurance up to $1 million per employee covers medical costs and lost wages if crew members are injured on your property. Tree work involves chainsaws, climbing, and heavy equipment—injuries happen even with proper safety protocols. This coverage protects you from liability when accidents occur.

Our policies remain current and renewed annually. We never work with expired coverage or let gaps develop between policy periods. Coverage applies to all services we provide: pruning, trimming, removal, stump grinding, and storm cleanup across the Albuquerque service area.

In 15 years of operation, our insurance has protected dozens of Northeast Heights homeowners from liability when unexpected issues arose during complex jobs. Insurance isn't just paperwork—it's financial protection when reality doesn't go according to plan.

How to Verify Proof of Insurance from Maven Tree Services

Simply request proof of insurance when you schedule your free estimate. This is a standard, professional request that legitimate tree services expect and welcome. Any company that hesitates or makes excuses likely has something to hide.

We email you a certificate of insurance (COI) showing current coverage, policy numbers, coverage amounts, and expiration dates. The COI lists our insurance company's name and contact information so you can verify directly with the insurer if desired.

What to Check on the Certificate:

1. Current dates—policies should not be expired or expiring within the next 30 days

2. Correct coverage amounts—look for $1 million or more for general liability

3. Named Insured matches "Maven Tree Services" exactly

4. Insurance company contact information is present and verifiable

We've sent proof of insurance to hundreds of Rio Rancho homeowners. It takes us 5 minutes and gives you complete peace of mind before we touch your trees. The companies that won't provide documentation are the ones you need to avoid.

Is Maven Licensed to Operate in New Mexico?

Yes, Maven Tree Services is licensed with the New Mexico Secretary of State to operate our tree service business. You can verify our license through the New Mexico Secretary of State business registry by searching for our business name.

New Mexico requires business licensing but does not require specialized arborist certification for tree service companies. Licensed status means we operate legally, carry required insurance, and can be held accountable through state regulatory channels.

Many unlicensed operators work under the table to avoid insurance costs and tax obligations. These companies disappear when problems arise. Licensed businesses like ours maintain permanent records with the state that protect consumers.

Ready to work with a fully licensed and insured Albuquerque tree service? See our tree pruning services and schedule your free estimate today.

Is Maven Bonded for Tree Service Work?

No, Maven Tree Services is not bonded because New Mexico does not require bonding for tree service businesses. Bonding protects customers if a contractor fails to complete work or violates contract terms. Insurance covers accidents and injuries—the primary risks in tree work.

Some states require contractor bonds, but New Mexico focuses on insurance requirements instead. Our general liability and workers' compensation coverage provides more financial protection than bonding would for the actual risks involved in pruning, removal, and storm cleanup.

If bonding becomes required in New Mexico, we will comply immediately. We maintain all required credentials and stay current with state regulations. Our commitment is to meet every legal requirement that protects our customers.

Why Many Albuquerque Tree Services Operate Without Insurance

Insurance costs tree service companies $5,000-$15,000 annually depending on coverage limits and claims history. Many operators skip insurance entirely to offer lower prices and pocket the savings. This puts every customer at serious financial risk.

Some claim they're insured but provide fake certificates or expired policies hoping customers won't verify. Others use their personal vehicle insurance and claim it covers commercial tree work—it doesn't. These deceptive practices set homeowners up for devastating liability.

Unlicensed, uninsured operators disappear after accidents, leaving homeowners liable for six-figure medical bills and property damage. Your homeowner's insurance often denies claims when you knowingly hired an uninsured contractor. The insurance company investigates whether you verified credentials before allowing work to begin.

We've met West Side homeowners who faced $200,000+ lawsuits after uninsured tree workers fell from their trees. Their homeowner's policy denied coverage because they failed to verify the contractor's insurance. One moment of skipping due diligence cost them their savings and forced a home equity loan.

The few hundred dollars you might save hiring the cheapest quote disappears instantly if something goes wrong. Proper insurance costs tree services real money—which is exactly why legitimate companies charge fair rates that reflect these expenses.

What Happens If You Hire an Uninsured Tree Service

If an uninsured worker is injured on your property, you become liable for their medical costs, lost wages, and disability claims. Tree work injuries can be severe—falls from 30 feet, chainsaw accidents, crush injuries from falling branches. Medical bills easily reach $100,000 or more for serious injuries.

Property damage to your home, vehicles, fences, or neighbor's property comes directly out of your pocket. A falling tree that damages three properties can cost $50,000-$150,000 in repairs. Without the contractor's insurance to cover it, your only option is to sue an uninsured operator who likely has no assets.

Legal defense costs alone can reach $50,000-$100,000 even if you win the case. You'll need to hire attorneys to defend against injured worker lawsuits and potentially sue the uninsured contractor to recover your losses. These legal fees add up quickly regardless of the outcome.

Your homeowner's insurance may refuse coverage if they determine you failed to verify contractor credentials. Insurance companies investigate contractor status after major claims. If they find you hired an unlicensed or uninsured service, they can deny your claim entirely.

Criminal penalties are possible in New Mexico for hiring unlicensed contractors for certain types of work. While tree services face less regulation than electrical or plumbing contractors, violations still carry fines and potential legal consequences.

Protect Yourself by Hiring Insured Tree Services

You've worked hard for your home and your financial security. One careless decision about which tree service to hire can put everything at risk. The cheapest quote often comes from operators cutting corners on insurance, licensing, and safety—corners that become your liability when accidents happen.

Maven Tree Services carries full insurance coverage, maintains our state license, and provides proof of both before we start any job. We've protected Albuquerque homeowners for 15 years because we believe doing things right matters more than doing them cheaply.

Whether you're in Northeast Heights, Rio Rancho, the West Side, or anywhere in the Albuquerque area, we make verifying our credentials simple. We don't hide behind excuses or delays—we send documentation the same day you request it.

Don't risk hundreds of thousands in liability to save a few hundred dollars on tree work. Click the green "Contact Us" button below to schedule your free estimate and request proof of insurance. We'll show you exactly why working with a fully insured, licensed tree service gives you peace of mind that no discount can match.