One of the most frequent questions we are asked is what insurance does a tree surgeon need? There are many variables that influence the answer, which includes the type of work being undertaken by the tree surgeon and whether the business has employees. Here we consider some options and can provide further information if required. Please note this is generic information and does not constitute specific advice.
What insurance does a tree surgeon need to cover themselves against causing damage whilst working?
Public liability insurance is the cover most requested by tree surgeons. Although not a legal requirement, it is a vital policy to have in place and covers such things as:
- Damage done to a client or other person’s property as a direct result of work you are undertaking
- Any serious bodily injury inflicted on a client or member of the public as a result of your work
Premiums are normally based on turnover, the type of work done, and the amount of cover. Options for public liability for tree surgeons begin at £1million, however most commercial clients will require you to be covered for up to £5million. In some cases, cover as high as £10million could make the difference in winning a contract. It is essential we talk to you so that we can learn about your business before giving you a quote.
What insurance does a tree surgeon need if they have people assisting them?
You will probably need employers liability insurance if you have employees or use labour-only sub-contractors. Don’t make the assumption that because ‘staff’ are self-employed you won’t need this type of cover. Employers liability insurance is designed to pay compensation in the event of an injury or illness where the employer is found to be responsible. Unlike public liability insurance for tree surgeons, employer’s liability insurance is a legal requirement. Failure to have it when required is a criminal offence with a fine of up to £2500 per day the law is breached.
If you are unsure whether you need employers liability insurance you should seek advice from a company that specialises in insurance for tree surgeons.
We as a business have regularly contributed to discussions on leading industry discussion forums in the past on this very subject.
To discuss whether your tree surgery business needs employer’s liability insurance, please call us on 01732 373864 where we will be happy to discuss your needs in more detail.
Professional Indemnity for tree surgeons and consultants
For tree surgeons or consultants providing arboricultural advice or reports, it is essential that you are covered by professional indemnity insurance for arborists. These policies are designed to indemnify you against any financial losses or physical damage as a result of any negligent advice you have given.
This type of cover is of particular importance to consulting arborists and we recommend speaking to us if you think you may need this cover added to your tree surgery insurance policy.
Personal accident cover for arborists
Personal injury insurance is designed to replace your income if you can’t work through an injury. Personal injury insurance is often overlooked by tree surgeons as It is often considered an unnecessary expense. However, when you consider that being an arborist is listed amongst the most dangerous professions in the UK, it is essential to consider how you would pay your bills if you were involved in an accident. Our sister site provides more information on the personal accident cover we provide for arborists.
Whether you are employed, self-employed, or a company director, please visit Tree Surgeon Injury Insurance for more information.
What insurance does a tree surgeon need to cover chainsaws, tools and plant from theft?
Tree surgeons have a lot of very popular equipment and it is worth considering insurance for these along with tough physical security. One bit of advice we can offer is don’t leave chainsaws in vehicles overnight, especially if it has your business name on the side.