Merkel’s Tree Service
Licensed and Insured Tree Service in Berks County, PA
When a crew is taking down large trees close to your home, the paperwork behind that company matters as much as who’s running the saw. We carry the coverage that protects your property and keeps you off the hook if something goes wrong.
2 Policies that matter
Real coverage, not talk
What Being a Licensed and Insured Tree Service Actually Means
Plenty of companies say they are covered. Here is what our coverage actually consists of and why each piece matters to you.
We carry general liability insurance through Erie Insurance and workers’ compensation coverage through Amerisafe, one of the leading specialty insurers for high-hazard industries. Those two policies cover the two things most likely to go wrong on a tree job.
General Liability — Erie Insurance
Protects your property. If a limb takes out a fence, a shed, or a corner of your roof during the work, the damage is covered rather than coming out of your pocket.
Workers' Compensation — Amerisafe
Protects you from liability if a member of our team is injured on your property. Tree work is genuinely hazardous — with this coverage, that risk stays with us, where it belongs.
Why it matters
Why Hiring an Insured Tree Service Matters
The reason this matters so much comes down to what happens on an uninsured job when something fails. Tree removal involves heavy limbs, high climbs, and powerful equipment working close to homes and people. When an uninsured company damages your property or a worker gets hurt on your land, the homeowner can end up personally responsible for the cost.
Hiring an insured tree service removes that exposure entirely. You are not gambling that nothing goes wrong. You are hiring a company that has already accounted for the possibility and carries the coverage to handle it. For a large or risky removal, that protection is not a nice-to-have. It is the baseline for doing the job responsibly.
Vetting a tree service?
What Insurance Does a Tree Service Need?
The answer is short: general liability and workers’ compensation. A company carrying both has you protected on the two fronts that matter. A company missing either one is quietly asking you to absorb a risk it should be carrying itself. Don’t just take “we’re insured” at face value — ask which policies they carry and who the carrier is.
General Liability
Ask for the carrier by name. Ours is Erie Insurance. A company that dodges the question is telling you something.
Workers' Compensation
Non-negotiable for tree work. Ours is with Amerisafe, a specialty carrier for high-hazard industries.
Willing to Prove It
A professional operation answers directly. We are glad to share our coverage — that's part of the standard.
Quality work you can count on
Quality Work, Backed by Real Protection
Being licensed and insured is what lets you hire us without taking on risk. It’s our workmanship that makes the job worth hiring for in the first place.
ISA-Certified Arborists
Our team includes ISA-certified arborists bringing trained, industry-standard techniques to every removal, trim, and assessment.
Coverage That Protects You
Real policies with named carriers. The coverage protects you if a job goes badly — the skill is what makes sure it doesn't.
Rule 1, Not an Afterthought
Being licensed and insured is the baseline that lets you hire us without taking on risk. Our workmanship is what makes the job worth hiring for.
