There are decided advantages and benefits to being a tree surgeon. You get to relive your youth by climbing trees, you get to work outdoors in the open air – and just think of the views.
Whilst reflecting on those benefits, however, you might also want to drop down to the ground and spare a thought for the dangers too.
A loss of footing or a misjudged move and you or an employ may come tumbling to the ground. At the same time, you’ll learn only too well the enormous weight that tree branches can have and the damage they might do when they come crashing down to the ground.
There is a constant risk, therefore, that some misjudgement on your part might wreak havoc with your customer’s home or garden, that of a neighbour or even a public right of way. You are the tree surgeon, so you may be held liable for the injury, loss or damage you cause – and as a result be ordered to pay hefty compensation.
All in all, in makes for the kind of working environment in which you might give serious thought to garden tree surgeon insurance to protect yourself and your business from all manner of claims.
Why choose us for your tree surgeon insurance?
- We specialise in liability insurance for more than 170 trades and professions, including tree surgeons and landscape gardeners
- We understand your business and are able to offer the help and guidance you might need in finding the appropriate cover for your enterprise
- Since the founding of our business more than 25 years ago, we have arranged insurance for more than 160,000 customers
- Ask us for an insurance quote for your business and we are able to get one to you inside just three minutes
Arborist insurance or tree surgeon insurance, we have it covered
What’s covered? We are able to help you tailor your insurance to suit the particular and individual needs of your business. So the cover may vary from one arborist business to another.
Cover may take a number of different forms, therefore, but here are just a few for starters.
Your public, professional and employers’ liabilities
This is a triumvirate of liabilities capable of sending a chill down the back of any tradesman or professional such as yourself.
Your public liability stems from your general duty to ensure that none of your actions, or failures to act, are responsible for causing injury or property damage to another person. As has already been mentioned, however, your job brings precisely those risks with it. Falling branches and other debris needs to be managed carefully and the slightest mistake might result in jury or property damage suffered by your customer, neighbour or member of the public.
If you are held liable for the injury or damaged caused the compensation you are ordered to pay may be very steep indeed. That is one of the reasons why public liability insurance typically provides at least £1 million of cover.
What’s more, if are telling your customers that you are a tree surgeon, you will be expected to act like one, with all the professionalism, knowledge and skills that anyone else in your line of work may be expected to display.
If you make an error or mistake that falls short of these standards, and it results is financial loss to one of your customers, he or she may also sue you for professional negligence – and you may be ordered to pay substantial compensation accordingly.
The need for employers’ liability insurance
You also have yet another liability – and one that has the full force of the law in its application. If you employ anyone else in your business as a tree surgeon, the law insists that you hold a minimum of £5 million employers’ liability insurance. This is because of your potential liability as an employer for any injury suffered by one of your employees or an illness or other medical condition contracted through their work with you.
The legal provision is there to ensure that you have the financial wherewithal to meet any claim for compensation to which an employee is entitled. If you do not have such cover, you may be fined up to £2,500 for every day that the insurance is missing.
Whereas the law requires a minimum of £5 million cover, policies arranged here at constructaquote.com all carry £10 million of cover as standard.
Protecting other investments in your business
Your work as a tree surgeon is likely to involve your investment in a number of pieces of essential kit – chain saws and other power tools, harnesses and ropes, for example.
These tools of your trade are all at risk of theft, loss or damage. Contractors’ all risks insurance provides a useful way of ensuring that your investment in this essential kit is safely protected.
To see how we can help you protect every part of your arborist business, please feel free to contact us today for a no obligation chat.