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.

Public liability insurance
Public liability insurance can be essential for tradesman, as you will often be asked whether you have this cover prior to commencing a job. To determine the cover you require, the first thing to do is to consider exactly what limit of liability the work you do is likely to require. Dependent upon the work you routinely undertake, you may need £1 million or you may need £3 million. Most companies provide cover somewhere between £1 million and £5 million. The important thing to be aware of is that if you take out a tree surgeon insurance policy that only provides £2 million liability insurance and you then require £4 million, you could end up facing a substantial financial burden.

Personal injury & loss of income insurance
If you are injured and you are unable to work for an extended period you may face two difficult outcomes. Firstly, you may have expensive or at the very least, ongoing medical costs. Secondly, you could find yourself and your family are without your income for a substantial period of time. Insurance that covers you for injury and loss of income is essential if you are a small business operator or self-employed tradesman. This insurance can provide financial support should you suddenly become injured or unable to work for a period of time. Tree surgeon insurance that includes protection against this situation can offer real peace of mind. As a small business operator or self-employed tradesman, you could be particularly vulnerable if you’re suddenly unable to undertake your work and bring a steady stream of income into your household.

Insurance for tools and equipment
Whatever field you’re employed in, the ‘tools of your trade’ are vital for you to undertake your work. If you have expensive tools and equipment then you can really benefit from insurance to protect them. When selecting tree surgeon insurance, the coverage provided for tools and equipment should be a high priority. All too often people can make the mistake of overlooking the policy excess when calculating the cost of replacing tools and equipment. By considering this while looking for a suitable policy, you can avoid falling into this trap and have sufficient coverage for these business essentials. Discovering that you won’t receive the financial reimbursement you expected and need to replace your tools could cost you further time and money as you fall behind on jobs.

Selecting tree surgeon insurance that fully covers your business activities and assets could be made much simpler if you seek assistance from a specialist insurance provider. Getting advice from a specialist can simplify the process of selecting appropriate cover. A specialist could assess your business requirements and help you secure a tailor-made solution that will provide protection for your particular needs and in keeping with your business activities.