Tree lopper insurance, sometimes called arborist insurance, is business insurance designed to protect your income and you from possible losses. Unlike general business insurance policies, tree loppers insurance policies are tailored to suit the needs and risks involved in your arborist business. It typically includes insurance coverage for tree lopping, stump removal, pruning, and general tree care. With the daily high-risk work that tree loppers undertake, read on to find out what types of insurance are essential for your arborist business.
Top insurance policies all tree loppers must have
According to SafeWork SA, “Australian workers are seriously injured or killed during tree felling and related activities.” Your arborist insurance policies must protect you from possible losses when you are engaged in tree removal business activities. Our Client Managers have years of experience tailoring insurance policies for tree loppers and consider the following types of business insurance essential.
Public liability insurance
This insurance policy is designed to protect you from third-party claims. If you or your team cut a tree and it falls on a person or vehicle or damages buildings, this policy is designed to cover legal fees, medical bills, and compensation for destruction.
With many mainstream insurers unable to provide public liability for tree loppers, our Client Insurance has partnered with an Insurer who takes a more measured approach when appropriate risk management precautions are in place.
Equipment policy insurance
The equipment tree loppers can be expensive. If it breaks down or is stolen, your arborist business could lose business. The types of equipment we can provide insurance for include:
- Mulchers
- Saws and chainsaws
- Grinder
- Trucks
- Harnesses
- Splitters
This coverage extends to when the items are on-site, in your yard, or your employees’ vehicles.
Accident and sickness policy
Like employees’ compensation, our accident and sickness insurance policy covers employees if they have an accident while at work. We understand that daily use of sharp equipment combined with working at significant heights can increase the risk of injuries and accidents. This insurance policy will cover wages, hospital bills, and salary until the employee is fully recovered and can also provide compensation in case of permanent disability or death.
What are the benefits of Atlantic Insurance for tree lopper and arborist insurance?
Some of the benefits of tree lopper insurance include the following:
- It provides coverage for medical bills that employees and third parties incur.
- It offers total compensation for injuries and property destruction under court rulings.
- It covers the claim bills for injuries incurred due to specious professional advice.
- It provides a double indemnity limit compared to general professional policy covers.
- There is an easy online policy application process with easy access to your Client Manager, not a call centre.
- Competitively priced tree lopper insurance policies tailored to your specific requirements.
What risks do tree loppers face if they don't have insurance?
The top risk arborists and tree loppers face a claim against bodily injury or property damage if there is a tree-felling incident. Our Client Managers have up-to-date knowledge about Australian states and territories’ insurance requirements and can help you determine the best way to protect your business. With many significant laws in place that are applied for workplace manslaughter, we can help you protect your family and business from personal costs and damages.
Tree lopper insurance in Australia with Atlantic Insurance
At Atlantic Insurance, we understand that being an arborist or tree lopper involves years of refining your craft. Our Client Managers have been tailoring various insurance needs for tree loppers for over two decades. Atlantic tree loppers insurance services have many advantages, including premiums that can be paid monthly, access to insurers that provide specific coverage for tree loppers and any claims handled by your Client Manager at Atlantic Insurance — never a call centre. Contact us today.
Any information contained on this page of the website is general advice only and has been prepared without taking into account your objectives, financial situation or needs. You should consider these, having regard to the appropriateness of this advice and the relevant Product Disclosure Statement (‘PDS’), Target Market Determination (‘TMD’) and Financial Services Guide (‘FSG’), which will be provided following any formal recommendation to you.