Tree Surgeons' Insurance

Tree Surgeon’s Insurance can cover you for a range of risks, but what’s included depends on the cover options you choose.

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At its core, most tree surgeons start with Public Liability Insurance. This can protect you if someone claims you’ve caused injury or damaged property during your work, such as a branch falling on a car or someone walking by. It's there to help with legal costs and compensation claims.

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From there, you can build your policy to suit how you work. For example:

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• Tools and Materials Insurance: Protects you against the cost of stolen or damaged tools.

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• Employers’ Liability Insurance: A legal requirement if you hire staff. It covers claims made by employees who are injured or become ill because of the work they do for you.

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• Contract Works Cover: Provides protection for your work in progress, including materials and labour, if something unexpected damages the job before completion. This is useful for more complex jobs or site-based work.

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• Own Plant or Hired in Plant Insurance: Covers machinery or equipment you own or hire, such as chippers or stump grinders. This helps protect against theft, loss or damage.

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• Legal Expenses Insurance: Can help cover the cost of legal advice or representation, including support for employment disputes or contract issues.

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Whether you're up a tree, working on the ground, or moving between jobs, you can tailor your cover to suit how you work and the equipment you rely on.

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If you're unsure what to include, just give our team a call at 020 3808 7099 and we can build you get the cover you need.

We know insurance can be full of small print, so it's natural to wonder what might not be covered. While Tree Surgeons' Insurance is designed to support you when things go wrong, there are some situations where a claim may not be accepted.

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For the most accurate details, we recommend checking your Policy Summary and Policy Wording. These documents explain what’s included and outline any common exclusions based on the cover you’ve selected.

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Here are a few examples of situations where a claim might typically be declined:

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• Damage to your own property
  If your own tools or equipment are damaged during a job, this wouldn’t be covered under Public Liability. You’d need Tools and Materials Insurance in place to protect your gear.
• Asbestos-related claims
  Due to the specialist nature and risks involved, work involving asbestos is not covered.
• Intentional acts
  If damage or injury is caused on purpose, the claim would not be valid.
• Working outside your cover
  Claims can also be denied if the work carried out falls outside the scope of what’s declared on your policy, such as working from heights or locations you didn’t tell us about.

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This isn’t a full list, so if you’re unsure about a specific situation or want to check you’ve got the right protection in place, we’re here to help.

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Call our team on 020 3808 7099 and we’ll talk you through it.

Business changing? We can adjust your Tree Surgeons' Insurance with ease!

Our Tree Surgeons' Insurance is flexible. You can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage. Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your Tree Surgeons' Insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

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If something goes wrong like an accident on-site, a damaged client property, or stolen kit, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.

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