12 FAQs
When you’re in search of a tree surgeon in Manchester or the surrounding areas, the topic of insurance might not immediately cross your mind.
However, choosing a tree surgeon who is both qualified and insured to carry out the work is of the utmost importance.
As a business that holds NHS, CHAS and SafeContractor approval, insurance is one of the many things we take seriously to ensure the very best standards not only for our customers, but also for our team.
We’ve answered some of the top queries about tree surgery insurance below. However, if you have any further questions about our work please get in touch.
What is tree surgeon insurance?
Tree surgeon insurance is a specialised insurance policy designed to provide coverage and protection for professionals working in the field of tree surgery and arboriculture. Various types of tree surgeon insurance exist to cover the different aspects of our work that may pose a risk to people or property. Our insurance is designed to offer financial protection against things such as accidents, property damage or liability claims related to tree work.
What insurance does a tree surgeon need?
Tree surgeon insurance typically covers various aspects, including:
- Employer’s Liability: As a legal requirement that all employers in the UK must have, this insurance type covers injuries or illnesses employees may sustain while working for their employer.
- Public Liability: This covers damage to third-party property or injury to third parties caused by tree surgery activities. Public liability insurance for tree surgeons isn’t a legal requirement, but is preferable to have.
- Tools and Equipment: Tree surgery tools and equipment are expensive and so insuring these can help protect our investments in case of damage or theft.
How much is public liability insurance for tree surgeons?
We can’t provide a fixed figure for this, because as with all types of insurance the amount paid is based on the specific circumstances of the business.
What does tree surgeon insurance typically cover?
Insurance for tree surgeons must cover a broad range of aspects based on the work we do and the potential risks involved.
As an employer, we are legally required to have employers’ liability insurance to cover our team. However, our insurance coverage also has to look at things such as public liability along with theft or damage to our equipment.
Since we also work right across the Greater Manchester area, commercial vehicle insurance is also essential.
Why is tree surgeon insurance important?
Tree surgeon insurance is crucial because it protects the workers, the business and the clients. It ensures financial security in case of accidents, damage, or legal claims, giving both the owner of the business and the client peace of mind.
Some industry bodies such as the Arboricultural Association insist that tree surgeons are insured. Otherwise they are not eligible for membership.
Overall, having insurance is one of the many things that sets professional tree surgeons apart.
How dangerous is tree surgery?
Tree surgery can be highly dangerous due to working at heights, working with heavy machinery, and dealing with unpredictable tree conditions. Safety precautions, training and the use of proper equipment are essential to mitigate risks.
Do arborists need an accident book?
Yes, it is advisable for arborists and tree surgeons to maintain an accident book. This helps record and track workplace accidents, injuries, and near misses, facilitating compliance with health and safety regulations.
What are the main tree work injuries?
Common tree work injuries include falls from heights, cuts and lacerations, crush injuries, and strains or sprains. Proper training and safety measures are critical in reducing the risk of such injuries.
Are site risk assessments needed for tree surgeons?
Yes, site risk assessments are essential for tree surgeons. They help identify potential hazards, assess risks and implement safety measures to ensure a safe working environment for both workers and the public.
What Personal Protective Equipment (PPE) should I be wearing as a tree surgeon?
As a tree surgeon, you should wear appropriate PPE, including safety helmets, eye protection, ear defenders, chainsaw-resistant trousers, steel-capped boots and gloves. The specific PPE may vary depending on the task.
Do I have to do Health & Safety training?
Yes, health and safety training is crucial for tree surgeons. It ensures that you and your team are aware of best practices, safety protocols and how to respond to emergencies.
Do I need professional qualifications to be a tree surgeon or a forester?
While professional tree surgeon qualifications are not always mandatory, they are highly recommended.
As for the popular question of ‘what qualifications do you need to be a tree surgeon?’, we suggest looking out for tree surgery courses or a route such as City & Guilds NPTC.
Qualifications demonstrate your expertise and commitment to safety and best practices. So if you can find a vocational course near you to learn these skills, it can definitely help you break into the industry.
However, as physical work it’s also true that many tree surgeons develop the skills and qualifications needed to be a tree surgeon from experience. Therefore, we’d also suggest having a genuine interest in the field alongside obtaining formal qualifications.