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Tree Surgeon Insurance – Compare Cheap Quotes

The work of a tree surgeon can sometimes be quite dangerous, but it’s not just the tree surgeon themselves that could be hurt by a falling tree or injured by a work tool. Customers or other members of the public could face the risk of an injury too, in which case the tree surgeon could find themselves lumbered with a liability claim.

Of course, tree surgeons that are employed by a larger business may well have their employer’s public liability insurance to protect them from the financial impact of any liability claims, but if the tree surgeon is self-employed they would need their own tree surgeon insurance in place at the time of the accident in order to ensure they’re covered.

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How does tree surgeon insurance work?

Tree surgeon insurance (or arborist insurance, as it’s also known) is designed to protect individuals and small businesses in the arboriculture trade against the risk of liability claims brought by members of the public.

As such, tree surgeon insurance is a type of public liability insurance, and can help cover the cost of legal fees and compensation claims if a tree surgeon is sued by a member of the public and the court determines that the incident occurred due to some sort of negligence on the tree surgeon’s part.

Does tree surgeon insurance cover damage to other people’s belongings too?

Yes, tree surgeon insurance doesn’t just cover you against liability claims when someone is physically injured, it can also cover you against claims for damage to a third party’s valuables or belongings.

For instance, if the branch of a tree lands on someone’s car and you’re considered liable for the damage a good tree surgeon insurance policy could help you with the financial impact of any liability claims.

How much does tree surgeon insurance cost?

Exactly how much a tree surgeon will pay for their insurance will depend on a wide range of variables, including their location, the type of work they do, how often they come into contact with members of the public during the course of that work, the level of coverage they would like to take out and whether they have claimed on a public liability insurance policy in the last five years.

Given that there are so many variables at play, the best plan is to use Quotezone.co.uk’s tree surgeon insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.

Is tree surgeon insurance a legal requirement in the UK?

No, since tree surgeon insurance is a type of public liability insurance it isn’t a legal requirement in the UK.

However, it’s worth bearing in mind that some industry bodies, including the Arboricultural Association, insist that tree surgeons have public liability insurance and/or professional indemnity insurance in place in order to be eligible for membership.

More importantly though, tree surgeon insurance is one of the best ways to protect both you and your business from a painful liability claim in the event of an accident.

What optional extras can I bundle with my tree surgeon insurance?

As the name suggests, the ‘public liability insurance’ component of your tree surgeon isnurance is only intended to protect you from liability claims brought by members of the public, but it is possible to bundle other types of insurance with your public liability cover in order to ensure you have a well-rounded policy.

Some of the add-ons you can bundle with your liability cover include:

  • Professional indemnity insurance: This is quite an important add-on for tree surgeons, because it can cover them if they are held liable because advice or expertise they provided resulted in some kind of loss for their customer.
  • Employers’ liability insurance: Many tree surgeons are self-employed, but if you do employ anyone (even on a part time basis) it’s a legal requirement that you have employer’s liability insurance.