What is Tree Surgeon & Arborist Insurance?
Up a tree or pruning bushes, protect your business with dedicated cover
As a tree surgeon you’ll be used to working in unusual locations. You’ll spend much of your time working at height while up in trees; pruning, felling, chopping, and trimming to ensure the countries trees remain in tip top shape. But your job isn’t the typical 9 to 5, with much of your time being spent working in varying locations, from national parks and inner cities to a home owners garden. You’ll be faced with a great number of risks and hazards on a daily basis, with a high potential for accidents occurring due to the heights involved and the need for high powered machinery which you’ll need to use to carry out much of your work.
Chainsaws, hedge or tree trimmers are just some examples of the types of dangerous heavy duty machinery you’ll be laying your hands on. Tree surgeons, or as they’re formally known; arborist or arboricultural specialists, carry out a specialised job and thus require bespoke insurance coverage to ensure their business and livelihoods are protected.
What does your Tree Surgeon Insurance include?
Core Covers: Tree surgeon Public Liability Insurance
Employers Liability is a compulsory insurance, required by law if you hire anyone within your business. It is there to protect both employees and the business in the event that an injury is caused at work.
Employers Liability cover
Public liability protects in case one of your customers or a member of the public suffers an injury, or property damage as a result of your business, with cover available as standard from £1 million to £5 million, with higher limits being made available upon request.
Legal expenses cover
Protect your business from the costs of court action and legal proceedings. With our legal cover available as an optional add-on to cover situations such as Employee Disputes and Tax Investigations or as part of our Employers liability or Public Liability Policy.
Add-on covers: Contract Works or Contractors All Risks cover
Contract Works or ‘Contractors All Risks’ insures your work plus materials, should they be damaged or stolen.
Personal Accident cover
Personal Accident cover will pay you or a member of your staff a weekly amount or lump sum should you or they be injured during the course of employment.
Third party Property Damage cover
An extension of Public Liability Insurance and covers you for any damage you or your employees cause to the clients/third parties property you are working on.
Equipment Damage cover
Cover for the cost of replacing any damaged, lost or stolen equipment.
Our tree surgeon and arboriculture insurance cover is tailored to your tree surgery business. Often the key causes of accidents for tree surgeons involve chainsaws or other machinery, falls from height or being struck by falling timber / trees. There’s also the risk of falling trees causing damage to a third party or their property. So we’ve designed our policy with these risks in mind.
Why you need Tree Surgeon Insurance
Make no mistake, the work you do as a tree surgeon is high risk. We’ve designed our insurance for tree surgeons to take this into account and provide a range of covers you’ll simply not want to do without. With protection against bodily injury or property damage claims from felled trees for example, in the form of Public Liability cover to personal accident cover, you can rest assured the covers we provide can help protect your business.
Tree Surgeon/Aborist Insurance FAQs
Can I include other trades with my cover?
If your company covers a number of areas within the construction industry, we can create tailor-made insurance plans that cover every trade in your field. We have plenty of add-ons and alternate insurance options to help give companies the fullest protection possible. If you decide that you would like more than tree surgeon insurance, make sure to give one of our highly qualified agents a call today, and find out how we can create the best insurance plan for your business.
How high can I work and still be covered?
From 15ft to 50ft or more, you can be assured that you will be fully protected at whatever height you work at. Our tree surgeon insurance can be tailor-made to suit you and your business’s needs, no matter your location, project or purpose. In addition to insurance essentials such as public liability insurance or employer liability cover, we also have a range of insurance add-ons that will give you complete protection that will suit your exact needs.
What level of cover do I need?
With heavy duty equipment varying from chainsaws to hedge or tree trimmers and constantly working at great heights, it’s important for tree surgeons to have high-level insurance cover. This means that your clients, employees, equipment and the public will be safe and protected in every scenario. And when you’re working in an array of locations that are more unusual than the standard 9-5, it’s likely that your chance of hazards or risks whilst working are much higher than the norm.
A full range of covers rolled into one policy to protect you in the high risk tree surgeon trade
Team of specialists on hand
We specialise in arranging cover for all manner of business types across the majority of trades and industries. So you can rest assured the cover we provide will fit the needs of your business, speak to one of our tradesman insurance experts today to see what we can provide for your business.
Flexible payment options
We can often insure you same day and have your policy documents sent out that to you that same day. Our specialists can also take you through our range of flexible payment options to help you spread the cost of your insurance. Get in touch today for a quote.
Why choose The Insurance Octopus for Tree Surgeon Insurance?
We proudly make buying insurance different and our cover comes with a range of benefits.
Up to £5 million of cover
Claims can be expensive, that’s why we offer up to £5 million worth of public liability cover for Tradesmen – with more available upon request.
Fast specific cover
To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.
An expert who knows your industry
We’ll connect you with an agent who is an expert in your field. They understand many of the challenges you face, and can truly get to grips with the type of cover you need.
Easy claims process
Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.
No mid term fees, ever
We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.
How it works
Examples of Tree Surgeon Insurance in action
Tree Surgeon Falls Foul of Work Accident
A tree surgeon is hired to cut back the large branches of an intrusive oak tree. Up a ladder and using a chainsaw to remove a thick branch, he miscalculates the angle the branch will fall at. It swings down and knocks the ladder out from under the tree surgeon’s feet, causing him to fall 20 feet and break a leg and an arm. Thankfully, he had Personal Accident Insurance in place to cover the time he is unable to work whilst recovering – a weekly benefit payout to help keep him afloat.
An expensive fall
A tree surgery professional with plenty of experience in the tree service industry is involved in an accident during work. While carrying out work 15ft up a tree, our arborist slips on a wet branch. He falls with the chainsaw in tow. While falling his arm is exposed to the chainsaws blade, with injury caused to his left arm. The injury results in the individual being signed off work for a number of months. Following the accident the tree surgeon was able to successfully claim for medical and legal costs associated with the fall and subsequent injury thanks to having employer’s liability cover. They were also able to receive a weekly sum due to having Personal Accident Cover on the policy.
Other types of Tradesmen Insurance we can provide
Get Business Insurance off your to do list
Help protect and grow your business with tailor made business insurance from The Insurance Octopus
Insurance Know How Making business insurance easier to understand
The ultimate small business checklist to help protect against cyber threats
Cyber threats are heard about more and more in the news with many attacks affecting larger businesses. However...
The top 10 Cyber Insurance claim types
Cyber insurance claims are becoming more and more common with each passing year. As business grows more depend...
How much does cyber insurance cost?
Cyber insurance, which covers your business against the effects of a serious cyber incident, is not an “off ...
Get to grips with Under-insurance & The Insurance Act
Inadequate cover presents a great risk to businesses – help ensure your cover is more than adequate by u...
Business Insurance Blog For all the things business & insurance
Cybersecurity Best Practices for an e-Commerce Website
Recent decades have seen tremendous growth in online activities, including ...
Helen Bush Named Director at The Insurance Octopus
Leading commercial insurance broker, The Insurance Octopus, has appointed H...
Cyber 101: The Basics of Cyber Security
Would you be comfortable living in a house where all the doors are left wid...