Securing arborist insurance can protect your business and income against unexpected events that could jeopardise your financial future. When you are in business for yourself, there are several important types of coverage that should be considered. Coverage could include employers’ liability insurance, public liability insurance and insurance of tools and equipment; as well coverage for job specific issues.

When you hire employees in the UK it is usually compulsory to have employers’ liability insurance. This should therefore be one of the first things to consider when looking at an arborist insurance policy. If you’ve got any employees working with you then your insurance policy should includes employers’ liability cover. This insurance can be adjusted should you take on or let go of employees, but it is usually a legal requirement that you obtain appropriate insurance for your staff.

Following on from employers’ liability insurance, public liability insurance can be essential. To assess the level of cover you require, the first thing to do is establish precisely the limit of liability you are likely to require. Most companies can offer public liability cover between £1 million and £5 million. By considering the work you do and establishing a suitable amount you can protect your interests with your arborist policy. Be aware that if you take out insurance that only provides £1 million liability insurance and you then require more, you could be substantially burdened financially.

Tools and equipment are an additional important consideration if you are considering various arborist insurance policies. When choosing coverage, the protection provided for your work tools and equipment is a high priority. It can be all too easy for people to mistakenly overlook the excess of the insurance policy whilst calculating the potential replacement costs of equipment and tools. If the excess cuts heavily into the amount you estimated the replacement cost to be, you can end up facing delays getting back to work, as well as the additional financial burden of replacing these essential work tools and equipment.

If you do a range of different jobs as part of your one overall job, then you need to look closely at whether you hold appropriate insurance for all the different type of work you carry out. Different tasks can potentially require different insurance, therefore you could find you have not covered yourself fully if you don’t carefully consider the various tasks you’re undertaking. To avoid a situation where you find you haven’t covered everything correctly, you should let your insurer know details of the type of work you do. Providing accurate information will mean you can be assured of having sufficient arborist insurance.

If you’re unsure about the most appropriate way to obtain arborist insurance, then you may find the best choice for you is to get advice from an insurance specialist. A specialist can assist you by answering any questions you may have and advising you on which cover most closely fits your needs. Choosing insurance means you need to consider a number of elements, from tools, to public liability, to protection of employees and more. Depending on the insurance provider, different insurance covers could come under optional coverage, however that may be essential coverage for you. By seeking help from a specialist insurance provider, you will have the means to secure protection tailored to your individual insurance needs.

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