What is tree surgery insurance?
Tree surgery is a high-risk profession, requiring precision, expertise, and the right safety measures. However, often that’s not enough. Accidents do happen and that’s where tree surgery insurance comes in.
It’s a tailored set of covers designed to protect tree surgeons from the unique risks they face, such as property damage, injury to employees, or equipment damage. For self-employed tree surgeons, insurance is particularly vital, as your business and livelihood depend on your ability to work.
Tree surgeon public liability insurance
Tree surgeon public liability insurance is one of the most important covers for professionals in the tree surgery industry. It protects you against claims from third parties for injury or property damage caused by your work.
If a falling branch damages a client’s property or a passerby is injured near your worksite, tree surgery public liability insurance would cover the legal and compensation costs.
Clients often require proof of tree surgeon public liability insurance before hiring you, so having this cover in place not only protects your finances but also boosts your credibility as a professional.
Other insurance for tree felling professionals
While tree surgeon public liability insurance is essential, it’s not the only cover you may need. Here are additional types of insurance for tree felling professionals worth considering:
Professional indemnity insurance
If your work involves providing advice or planning tree management strategies, professional indemnity insurance is a must. This cover protects you if a client claims your advice caused them financial loss. For instance, if a recommended tree removal plan results in unanticipated damages, this insurance handles the legal fees and compensation.
Tools and business equipment
Your tools and equipment are essential to your trade. Insurance for tools and business equipment ensures you’re covered if they’re lost, stolen, or damaged. From chainsaws to climbing gear, having this protection means you can replace critical items quickly and get back to work with minimal disruption.
Own & hired plant
If you use heavy machinery like cherry pickers or stump grinders, own and hired plant insurance is vital. This cover protects your owned equipment as well as rented machinery, ensuring you’re not left out of pocket if something goes wrong.
Employers’ liability
If you employ staff, employers’ liability insurance is a legal requirement. It covers claims made by employees who are injured or fall ill due to their work. Whether it’s a ground worker or a climber, this insurance ensures your team is protected and your business complies with the law.
