Tree loppers face some of the highest-risk working conditions in Australia. Climbing great heights, using chainsaws, working around heavy branches, and operating in unpredictable outdoor environments makes their job one of the most dangerous in the trades sector. Unfortunately, this also means many insurers refuse to cover tree loppers for income protection insurance due to the heightened risk of injury.

But that doesn’t mean tree loppers are left without options. At Morgan Insurance Brokers, we understand the challenges that come with hazardous occupations and can help you access Personal Accident and Illness Insurance, with no height restrictions, so you can secure cover even when working at significant elevations.

Why Tree Loppers Can’t Get Traditional Income Protection Insurance

Most income protection policies exclude occupations that involve:

• Working at extreme heights
• Climbing trees
• Using chainsaws at elevation
• Operating in unpredictable environments
• Exposure to falling branches or unstable structures

Because tree lopping carries a significantly higher chance of injury, many insurers classify the occupation as “uninsurable” under standard income protection.

As a result, many tree loppers find themselves unable to obtain cover to protect their income if they get hurt or become sick.

What Is Personal Accident and Illness Insurance?

Personal Accident and Illness Insurance is designed to provide financial support if you are unable to work due to an accidental injury or illness. It pays a weekly benefit to replace part of your income, helping you meet your bills, mortgage, and living expenses while you recover.

This type of insurance typically includes:

• Weekly Benefits for Injury

If you’re injured on the job or outside of work, you receive a regular payment for a set period while you can’t work.

• Weekly Benefits for Illness

If an illness keeps you off work, this cover can pay you while you recover.

• Lump Sum Benefits

Optional cover for permanent disability or death resulting from an accident.

• No Height Restrictions (with our recommended solutions)

A major advantage for tree loppers is the ability to obtain cover without being excluded for working at heights.

• Cover 24/7

Accidents and illnesses are covered both on and off the job.

Personal Accident and Illness Insurance provides similar financial support to traditional income protection, but without the strict occupational restrictions many tradespeople face.

Why Personal Accident and Illness Insurance Is Essential for Tree Loppers

Tree lopping is physically demanding and comes with constant risk. A single injury, a fall, chainsaw cut, back strain, or broken limb, can stop you from working for weeks or months.

Without insurance, this can mean:

• No income
• Difficulty paying rent or mortgage
• Financial pressure on family
• Business interruption if you are a sole operator
• Loss of clients while recovering

Personal Accident and Illness Insurance ensures you still have money coming in, giving you financial security while you focus on getting better.

How Morgan Insurance Brokers Helps Tree Loppers Get the Right Cover

Morgan Insurance Brokers specialises in tree lopping insurance and can find insurance solutions that others may not offer. Tree loppers, arborists, and workers operating at height trust us because we:

• Access providers that allow height-risk work

We find Personal Accident and Illness Insurance policies that do not exclude tree lopping or impose height restrictions.

• Understand the risks of your occupation

We know the unique challenges of your industry and ensure your policy covers real-world scenarios.

• Tailor cover to your income and work conditions

Every tree lopper works differently — we match your insurance to your situation.

• Provide clear, simple explanations

No confusing jargon. We explain what your policy covers in plain language.

• Support you during claims

If you need to make a claim, we handle the paperwork and help you achieve the best outcome.

• Offer fast quotes and straightforward service

We make the entire process simple, so you get covered quickly and easily.

Why Tree Loppers Should Not Work Without This Protection

An unexpected injury could leave you unable to climb, lift, cut, or operate equipment, all essential for your job. Without insurance, this could stop your income immediately.

With Personal Accident and Illness cover, you get:

• Financial stability
• Peace of mind
• The ability to focus on recovery
• Protection for your business or family
• Security even when working at high risk

Get Personal Accident and Illness Insurance With No Height Limitations

Tree loppers shouldn’t be left without income protection just because of their occupation. Morgan Insurance Brokers is here to help you access the protection you need, even when standard policies won’t cover you.