insurance guide
Professional Indemnity Insurance Explained
Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.
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As a tree surgeon, it’s important to have an insurance policy to protect you if an accident happens to yourself, a third party, or your equipment.
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As a tree surgeon, you’re likely to be working in public places. With this in mind, we can offer liability packages which cover you for claims made against you by members of the public, clients and even by your employees, should you be seen by law to be negligent. If you’re unsure as to what is meant by ‘liability’, read our guide to liability.
Our business insurance covers a multitude of professions and many of those professions require cover for specialist tools and equipment. Our tree surgeon insurance is no exception – we’ll cover your gear including things like wood chippers, tree cutting and climbing equipment. Just make sure you take all your kit into consideration when informing us of your total sums insured. If you’re unsure about anything, don’t hesitate to ask.
Our experienced professional claims handlers are used to supporting customers through the claim process. You will find them prepared and efficient at what might be a worrying time for you. You will have a dedicated claims handler to assist you through the claims process.
Contact your account executive in the first instance. He or she will be able to support you in progressing the claim and collecting any information, or evidence you provide.
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Get tips and advice from our experts to ensure you get the best out of your trade.
insurance guide
Learn how to protect yourself and your small business with our comprehensive guide to professional indemnity insurance, also known as professional liability insurance.
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Which liability cover you need depends very much on the specifics of your business. Employers’ liability insurance is necessary if you employ even one other member of staff as part of your company – so if you’re a sole trader, 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 is broader coverage which usually includes: public liability, products liability, professional indemnity, and libel and slander.
If you provide advice to your clients at a fee, you may need professional indemnity insurance. Cover is available from between £100,000 and £3,000,000. But remember to ensure that all of your staff are added to your policy. Working with powerful equipment may result in serious injury. You may even be unable to work for long periods of time. You may therefore want to take out personal accident cover.
To the limit agreed within your policy, if you need to work at greater heights, please call the office first to amend your policy.
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 they are listed in your policy as part of your sums insured.
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.
Please see our page on direct debit payments for more information if you’re interested in paying by instalments.
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.
