When dealing with tree companies it is advised that the customer request to see documentation of worker’s compensation status and liability coverage. The purpose of the liability coverage is to cover your property against accidental damages from tree work being completed. If the tree company does not have coverage then the next option is your homeowners insurance. You, the customer, would have to contact your agent to find out if they would cover any damage to your property caused by the tree company. I would be cautious of accepting anyone’s verbal statement of coverage.