Tree Lopping Insurance
Insurance For Tree Lopping & Arborists using the services of Morgan Insurance Brokers - Experience to protect your business
Tree Lopping Insurance
Tree Lopping Insurance using the services of Morgan Insurance Brokers - Experience to protect your business
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Tree Lopping Insurance is important to protect your business!
Tree Lopping presents a few risks for an insurance perspective, which are primarily injury to the public, and damage to third party property.
Tree Lopping could result in a tree falling and damaging cars, houses, roofs, or even injurying an onlooker.
Both examples could be catastrophic to your business as the financial costs could easily be in the tens of thousands, and even higher if someone was to be injured.
The risk for an arborist using chemicals in the course of their business could also present a risk to the public if chemicals are stored, handled, or disposed of incorrectly.
If you’re providing advice, and recommendations, it is also highly recommended that you insure for Professional Indemnity. This can protect your business for any financial loss as a result of your recommendations.
Public Liability Insurance for Tree Lopping & Arborists can protect you from the financial implications of such events.
What Does Public Liability Insurance Cover?
Public Liability Insurance is designed to provide financial coverage for accidents that occur whilst you're conducting your business. If a claim were to be brought against you for property damages, or injuries, your Public Liability Insurance can pay the compensation costs for medical expenses, time off work etc. In the case that you are not negligent, it can pay the legal costs to defend your position.
What does Professional Indemnity cover?
Professional Indemnity Insurance is an insurance cover to protect you from primarily from the Professional Advice & Recommendations that you give to your clients whether in a report, which you've verbally advised them of which could result in a financial loss to a third party. It is not standard for Professional Indemnity Insurances to extend to cover Bodily Injury as a result of your advice and recommendations so it's important in your occupation that the cover you are provided has this extension of cover.
Is Insurance Mandatory?
Most Insurances are not mandatory if you’re tree lopping or are an arborist, but it is strongly advised for your occupation that you insure for Public Liability Insurance. It’s extremely cheap in comparison to the costs that you could face if a claim was to be brought against you.
Although not mandatory, you will find that many of the jobs that you’re engaged to do will request a copy of your Certificate of Currency. For example, the Brisbane City Council have a minimum standard of $20,000,000 Public Liability & $2,000,000 Professional Indemnity Cover.
Workers Compensation is mandatory if you have casual, part time, or full time employees. It’s best to visit your relevant state or territories workers compensation body for more information.
Personal Accident & Illness Insurance
Being in a physical and manual trade, Tree Loppers & Arborists should consider protecting their income if they’re unable to work with a comprehensive Personal Accident & Illness cover.
How Morgan Insurance Brokers can help Tree Lopping & Arborists
Morgan Insurance Brokers can provide insurance policies that will protect your business from the risks that you encounter daily. Some policies can come with height exclusions that you may not be aware of, others may have exclusion that are hidden in the fine print. We anaylise the market on your behalf and provide a strong reccomendation to protect you so you can trade knowing if something goes wrong, you are protected.
Frequently Asked Questions
With the insurers that we approach for tree loppers, they usually don’t have height restrictions on your policy.
It is common that you will need at least 2 years experience in the industry.
