If you work as a tree doctor, either as a sole trader or as the owner of a business, then it is vital to ensure that you have the right kind of insurance in place to protect you. Those who work in the forestry trade are often viewed by many insurance companies as a high risk and you may find that many standard commercial policies simply might not have the features and benefits that you need. You may in fact find that a specialist tree doctor insurance policy will be your best option.
There are a lot of factors to consider before you choose the right insurance policy to suit you as a tree doctor. There are of course some benefits that you’ll get that will be standard but you might also want to look at specialist policy elements that take your profession into consideration. So, what considerations should you take in to account when looking for a tree surgeon policy?
First of all you may want to make sure that your machinery and equipment are fully covered – the chances are you’ll use some expensive tools as part of your job and loss or damage can happen at any time, no matter how careful you may be.
You may also want to think about your responsibility to others when choosing your tree doctor insurance policy. If, for example, you employ staff then it is in most cases a legal requirement that you have employers’ liability cover in place. This will give you and your staff protection if they have an accident or become ill as a result of a job they do for your company and you are found to be legally liable.
Another consideration is professional indemnity cover. Thi tree doctor s feature will protect you if you give advice to a customer and that then turns out to be the wrong advice.
Finally, you may find that getting public liability insurance is also a good idea. This feature will protect against the legal liabilities if activities you do as part of your job cause injury, loss or damage to a third party or their property. The legal and compensation costs that you might be responsible for if you don’t have this cover could be extremely high. This might not be a legal requirement in the way that employers’ liability cover is, but many businesses and even individual customers could expect you to have it.
As you work in a specialist field that, to be frank, worries a lot of insurers because of the risks involved, opting for a specialist tree doctor insurance policy rather than standard business cover could afford you the unique protection you and your business needs. This might also work out to be more cost effective for you in the long run too.