Why choose Howden for Tree Surgeon Insurance?
We know how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we strive to do the heavy lifting instead, so you don’t have to.
Thanks to the great relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various tree surgeon insurance policies, on your behalf, simple and easy.
Here at Howden, our team understands that each tree surgeon policy needs to be unique and tailored to each owner and their business. That’s why we provide personalised and tailored services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your tree surgery insurance policy.
Whether you need to make a claim, purchase a new insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Business insurance for tree surgeons
Of all the trades, tree surgery certainly ranks as one of the riskier. Tree surgeons truly risk their lives day-to-day doing what they do, and that’s why it’s crucial that they have the right insurance in place.
Whether you need liability cover to support your business against third-party claims, or an all-round comprehensive policy that also focuses on protecting your valuable machinery and tools, Howden can help you build a tree surgery insurance package that’s right for your business.
What is a tree surgeon?
It is a tree surgeon’s responsibility to care for, look after, manage and study trees, and they do this through general tree maintenance. This involves repairing trees and various forestry, removing branches if necessary and planting new stock where felling has taken place.
Tree surgeons are also referred to as arborists or arboriculturists (less commonly) because they’re professionals in the practice of arboriculture.
Communities rely on tree surgeons to inspect trees across the UK, carrying out inspections and hazard assessments before investigating the potential dangers of tree. If a tree is deemed to be dangerous, tree surgeons will cut it down safely, using the correct equipment.
What insurance does a tree surgeon need?
Tree surgeons can benefit from having a range of insurance policies to support their business. However, if we were to recommend an absolute must-have insurance product for tree surgeons, it would be public liability insurance. Having various liability insurance policies behind you can help you navigate the consequences of being liable for your work, whilst also remaining financial stable and secure.
Here we Howden though, weren’t not just limited to liability insurance, as we do have a wide selection of cover types available that tree surgeons pick and choose from to add to their overall insurance package. You can see our various cover types below:
The cover you need if third-party claims have been made against your business, stemming from property damage or an accidental injury.
A legal requirement for tree surgery businesses that have employees.
Specialist insurance used specifically to indemnify the policyholder against financial losses incurred by client when they act on the professional advice you give.
An All-Risk cover for companies working in the forestry and arboriculture trades.
Equipment and Machinery cover
Offers cover if your most valuable climbing equipment and tools are stolen, damaged or lost.
Protect your finances when an unfortunate accident, such as a serious bodily injury, forces you or anyone that’s covered out of work.
Still not sure what’s the right insurance for you? No problem. Get in touch with us today, either by giving us a call on 01276 601 690, visiting our team in your local Howden branch, or by scrolling down the page and clicking on Get a quote. We’d love to talk to you about your business and your insurance requirements.
Tree surgeon public liability insurance - how does it work?
Of all insurances, the most needed and most commonly bought by tree surgeon businesses is public liability cover. The obvious risks that come with the profession are both numerous and significant, and tree surgery businesses need to make sure they’re covered if a claim arises from members of the public or company clients.
Imagine, for example, you’re working high up in a tree and a tool you were carrying around your belt fell and damaged a customer’s property? Or what if a branch you cut down fell awkwardly and accidentally injured a member of the public walking nearby? In both scenarios, without public liability insurance in place, you’d need to fork out to pay for claims made by the third-party against you and your business. You could save yourself paying out a lot of compensation with public liability cover.
Having this insurance is also good for boosting your business’ reputation. Customers or clients can feel more at ease knowing that you’re holding yourself accountable and responsible for your work, whilst also having peace of mind that they’re not at risk if something were to go wrong.
How much does tree surgeon insurance cost?
Determining exactly how much your tree surgeon insurance policy will cost is tricky, because no two tree surgery quotes are the same. Every tree surgeon and business is different, and each insurance provider is different too, which makes it very difficult to estimate how expensive an insurance premium might be, especially before we’ve received any information from you.
There are several factors which insurers consider when calculating tree surgeon insurance premiums, such as:
- The risks involved in your tree surgery work
- How often your business operates
- The size of your tree surgery business (employees and business premises)
- The policy excess you’re willing to pay
- Whether you plan to pay for the policy upfront, or in monthly instalments
- The types and level of cover you opt for
All in all, it’s important to remember that an insurance premium on a tree surgeon insurance policy will most likely vary across every provider – but that’s the benefit of working with insurance brokers like Howden.
We can help you compare a wide range of specially-selected policies for tree surgeons, and give you some professional advice and insight, which can help you choose a policy that not only meets your insurance requirements, but also your budgetary expectations.
Who do we also insure?
Not only can we help tree surgeons, but we can also offer cover for a wide range of other tradesmen, such as:
- Car Valets
- Contractors All-Risk
- Gardeners & Landscapers
- Gas Engineers
- Limited Companies
- Market Traders
- Painters and Decorators
- Sole Traders
- Window Cleaners
Want to learn more about insurance for tree surgeons? Have a read of the articles below that you can find on the Howden Blog!
- How much is public liability insurance?
- All you need to know about the public liability insurance certificate
- What business insurance do I need?
Tree Surgeon Insurance FAQs
How does life insurance for tree surgeons work?
Howden Life & Health offer a good range of life and health insurance products that can support you and your employees. These products can reassure both you and your employees that when the unexpected happens, your business is prepared and equipped to provide necessary support.
For self-employed tree surgeons, there’s a wide range of insurance policies available. We’d recommend that you firstly get a public liability insurance policy to compliment your business, and a employers’ liability insurance policy if your business employs staff.
Otherwise, self-employed tree surgeons can build out their policy to include cover for protecting their equipment, professional liability insurance coverage, or cover that pays out for a personal injury and medical bills. All in all there’s plenty to choose from, and you can read more about our self-employed insurance policies on our dedicated page!
Get in touch
Try us out and see how we can help save money and make finding the right insurance cover that little bit easier for you.