Tree Surgeon Insurance

Which liability cover you need depends very much on the specifics of your business.

Employers’ liability insurance is necessary and a legal requirement if you employ even one other member of staff as part of your business – so if you don’t have any employees, you don’t need to worry about this one. Public liability insurance for tree surgeons protects you against accidents that may happen, implicating a client or member of the public. This includes accidents ranging from something as small as a spilt drink over a piece of equipment, to serious bodily injury. Professional liability insurance  protects you if you are accused of professional negligence and can include things such as incorrect advice or recommendations, breach of professional code of conduct, loss of documents or a breach of confidentiality.

If you provide tree management advice to your clients for a fee, you may need professional indemnity insurance. Cover is available for a variety of limits. Working with powerful equipment may result in serious injury. You may even be unable to work for long periods of time resulting in a loss of earnings. You may therefore wish to take out personal accident cover.

It’s important that you explain full details of the activities involved including the maximum heights above ground that you work. Please call us first to tailor your policy.

Loss or damage to your equipment can be insured under a Tools and Equipment policy. This will include cover if it gets damaged as a result of a motor accident. Cover for this depends on a number of factors, including whether your vehicle is insured for commercial use, whether you’ve locked your van securely when you’re not in it, and where you keep your van at night.

If you’re unsure of the conditions of your cover, get in touch with one of our customer service advisors.

Yes, if you are insuring equipment as part of your policy, in order to be covered you need to ensure that you are insuring for the new replacement values of all the equipment you own.

If you would like other trades to be included in your policy, please specify these trades when you speak to an agent or call us to update your policy if you’re already a policy holder.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.