There are a lot of different hazards associated with tree work, which is why there are a number of insurance policies required to trade as a tree surgeon.
Public Liability Insurance: Covers against claims from clients, suppliers and members of the public injured or affected as a result of a tree surgeon’s activities. This cover typically ranges from £1 million to £5million.
Employers’ liability insurance: Mandatory insurance as soon as a tree surgeon employs at least one member of staff.
Professional indemnity insurance: Covers against negligence (failing to carry out a risk assessment, breaching a Tree Preservation Order).
Legal expenses insurance: Covers against claims arising from commercial disputes with trade clients or suppliers.
Building & contents cover: Covers the workshop premises, office, IT systems, equipment and supplies against accidental damage, fire, flood or theft. This also covers any business interruption.
Tree surgeons should also insure any vehicles used for business purposes. Cover can be extended to machinery and equipment stored in the vehicles.
Make sure you compare insurance providers before choosing the one that will suit your needs.