There are some occupations and business types which need insurance more than others, and tree loppers definitely fall into that category.
As a tree lopper or arborist you know there are some serious risks that you face every day when it comes to personal injury and property damage.
Although the potential risks are high, you can protect yourself with public liability insurance and a range of other business insurance types.
Read on to check out our tree loppers insurance guide, or if you just want some quotes, call us on 1800 808 800 or click the button below.
Public Liability Insurance
Public liability is arguably the most important form of insurance for people involved in tree lopping.
This form of insurance can protect you and your business in the event that you cause property damage or personal injury to another person as a result of your business activities.
Anyone who has been in the industry will know how easy it is to cause injury or damage through falling branches or entire trees, not to mention the potential for chainsaw mishaps.
For these reasons public liability is a must for anyone running their own business or working as a subcontractor in the tree lopping industry.
The cost of your public liability cover will depend on your specific business activities, including what heights you are working at and what percentage of your time is spent on lopping.
Tree lopping considerations
The main issue you will have with public liability insurance as a tree lopper is the heights you can work at.
If you are a gardener, handyman or landscaper who does some lopping as part of the job, most insurers will have height restrictions of 3m to 5m. Some actually exclude tree lopping completely.
If tree lopping is your full time role, you will find that some insurers do not offer cover at all. In this case you will have to shop around to find an insurer who can offer you appropriate coverage.
As insurance brokers, we have access to a wide range of different insurance companies and will be able to find you cover regardless of what heights you are working at.
Personal Accident Insurance
Handling a chainsaw at whilst perched ten or twenty metres up a tree can be quite risky, and there are plenty of news articles out there covering some nasty injuries to tree loppers.
Personal accident insurance can’t stop you from hurting yourself, but it can replace a large portion of your income whilst you’re unable to work.
You can also include an option to cover you for sickness, so your income will be protected whilst you’re unable to work due to either accident or sickness.
Tool & Equipment Insurance
As a tree lopper you’ll most likely have a ute or truck full of equipment that needs to be protected.
Tool insurance can help to protect your power tools, and we can also arrange cover for trailers setup for mulching.
Commercial Motor Insurance
Whether you have a fleet of trucks or just a single ute, we can assist with commercial motor insurance to protect them.
It’s important to ensure your vehicles are properly insured, taking into account any mulching equipment or similar that you have attached to to the vehicle.
In this case a standard vehicle policy might not cover you, even if you have stated that the vehicle is for business use.
We recommend having the vehicles insured properly via a commercial motor policy. This will ensure you a properly covered in the event of a claim.
Quotes and more information
At Trade Risk we specialise in trades and associated services, and can put together a competitive package that covers the major risks in a tree lopping business.
Whether you’re a one-man-band or a large national operation, we have the knowledge and experience to get you the right cover.
For more information please contact us on 1800 808 800 or get the ball rolling with our quote request form.
Please note that we cannot provide instant online quotes for tree loppers or arborists, but our brokers will be able to assist you with a quote tailored to your business.
