Tree surgery insurance / public liability insurance
Business insurance is essential if you work as a tree surgeon. When you are carrying out landscape gardening work, public liability insurance can protect you against claims for injury to clients or members of the public, or damage to their property. Without the proper tree surgeon insurance, the costs of a claim can be staggering.
Simply Business offers tailored tree surgeon business insurance. Whether you work as a sole trader or you have a company that hires staff, you can build your insurance to suit your needs. You can also include optional business insurance covers in your policy, such as gardening tools and equipment cover.
Buying insurance for tree surgeons
It’s easy to buy your business cover at a competitive price with our clear, simple insurance quote form.
- Build the right policy using our simple form
- Compare quotes from a range of trusted insurers
- Choose a quote and buy your policy online
- Speak to our UK insurance team if you get stuck
- Receive your documents online instantly
Building your landcape gardeners' insurance policy
Most tree surgeons will need one of these two covers:
Public liability insurance covers the cost of claims made against you by members of the public who suffer injury or whose property is damaged as a result of your work. There is a minimum cover of £1m, but your employers may request a certain level of cover before hiring you. We offer up to £10m, which can be necessary for public sector contracts.
You may need professional indemnity insurance if you give advice to your customers, as it covers the cost of claims for negligence or bad advice. If you give landscape design and advice, this cover is essential.
Helping you buy the correct insurance for your tree surgery
Employers liability insurance
If you are an employer, you have a legal responsibility to take out employers’ liability insurance. Failure to do so can result in a fine of up to £2,500 per day.
It’s likely that your work includes cutting trees, and that you use a chainsaw to cut trees and bushes. Always mention that you carry a chainsaw license when you take out an insurance policy. Insurers segregate landscape gardeners in two categories: “excluding treefelling” and “including treefelling”.
Public liability insurance does not cover work tools
One of the most common mistakes is that people assume that tools will be covered by a Public Liability Insurance. That’s not the case: you need to take out a separate cover for your work tools.
Tools overnight cover: You can also choose to include tools whilst left in your vehicle overnight. Cover can be provided for up to £10,000 and may include cover for tools in transit (dependant on insurer). Cover is for loss, destruction or damage by any cause not specifically excluded within the insurer's policy.
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