Tree surgeon insurance - Public Liability for Arborists

Tree Surgeon Insurance

Compare the Costs of Arboriculturist Public Liability Insurance, One short form – save time & money

Do you need insurance to be a tree surgeon?

Tree surgery comes with risks that are related to working at heights with tools that can cause serious injury if an accident were to occur. Because of this elevated risk related to the job of an arboriculturist, it would be prudent to consider the available insurance options to cover thee risks.  Insurance for tree surgeons is not a  legal requirement, but most contracts may make it compulsory for contractors to carry sufficient liability insurance.  The key cover for tree surgeons is public liability, which provides cover for any damage caused to a third part or the property of a third party. You can see why this may a worthwhile investment if you are a tree surgeon.

tree surgeon insurance uk

Check for Policy Restrictions

Some providers will provide a height restriction similar to scaffolding public liability insurance, look for a policy without height restrictions 

How much public liability should tree surgeons and foresters have?

Most brokers will let you select the level of public liability cover, which will in general range from £5million to £10million.

What is the average cost of tree surgeons insurance?

The average cost of tree surgeon insurance will be based on the level of cover required and your history of claims.  The higher the level  of public liability selected  the higher the premium, if you are a self employed tree surgeon you may also wish to include cover for your expensive equipment, wood-chippers, cutting tools and chainsaws.

Common types of claims made by tree surgeons

  • A falling branch crashes into a nearby building cause damage 
  • The chipper fires out a chunk of wood that hits a passer by causing an injury  
  • The chainsaw falls from above onto a parked car or pedestrian passing by.
  • The tree surgeon falls from his tree perch, causing injury to himself, others or property 

As a tree surgeon, what happens if I have no public liability insurance?

Without tree surgeon public liability insurance, you can be held liable to claims by third parties against your arborist business.  If the claimant brings a successful claim for damage or personal injury you will be held solely liable for these plus any legal fees, these claims amounts can be significant. Significant to the point of having to liquidate your thriving arborist business  

Do I need professional qualifications to be a tree surgeon or a forester?

Whilst not compulsory, having qualifications can help reduce your insurance premiums, particularly if they cover safety at work.

Tailored insurance designed for tree surgeon and Aborists

It is important to select an insurer and broker who understand the industry and associated requirements.   For tree surgeon insurance we have partnered with Quotezone who are able to offer specialised quotes for UK tree surgeons  

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