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    TREE LOPPER INSURANCE

    OUR EXPERIENCE WITH TREE LOPPERS

    Atlantic Insurance have been looking after the Insurance needs of Tree Loppers for many years.

    Viewed as a high risk industry by most insurers, working with an Insurance Broker and more importantly an experienced Client Manager who understands the unique risks that Tree Loppers face is extremely important.

    Whilst most mainstream insurers will not entertain providing Public Liability cover for Tree Loppers regardless of their experience and past claims history, Atlantic have partnered with an Insurer who takes a more measured approach providing appropriate risk management precautions are in place. Careful consideration needs to be given to height limit exclusions contained within some policies along with ensuring an adequate Public Liability limit of indemnity considering the outcome of any accident could lead to high property damage and bodily injury costs.

    ATLANTIC TREE LOPPERS INSURANCE SERVICES & ADVANTAGES

    • Monthly premiums available
    • Access to an insurer that Atlantic have partnered with to provide coverage for Tree Loppers
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre

    TREE LOPPERS COVERAGE CONSIDERATIONS

    Whilst Public Liability cover is extremely important for Tree Loppers there are many other Policy Classes that are especially relevant. Often Tree Loppers will own and operate expensive Plant and Equipment including Mulchers, Saws, Grinders and Trucks. This is in addition to high value mobile Equipment including Chain-Saws, Harnesses and Splitters. It is important that these items are covered away from your Yard for theft or damage. Particular attention also needs to be given to Statutory Liability, Personal Accident and Illness and Directors and Officers Liability. Click below to find out more information on some of the common policies that we discuss with our Tree Lopper Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    TREE LOPPERS RISK – OUR OBSERVATIONS

    The obvious risk that Tree Loppers face is a claim against Property Damage or Bodily Injury following a tree felling incident however with changes in many Australian States there are now significant laws in place that could be applied for workplace manslaughter putting Directors and owners of Tree Lopping businesses in line for personal costs and damages that are often not covered under a Public Liability Policy. Whilst insurers are now limited on the coverage they can provide for fines and penalties, defence costs against some actions may be coverable. Speak with one of our experienced Client Managers who will be able to provide advice on the covers available for Tree Loppers.

    CURRENT CLAIMS LANDSCAPE

    Many of our Clients are currently experiencing a difficulty in replacing specialist Plant and Equipment following Theft or Damage following a long lead time by manufactures and a shortage of replacement equipment. It is important that you understand the basis of coverage for this equipment under your policy. Is your equipment covered for Replacement Value, Market Value or Agreed Value and what are the differences in this cover? Our experienced Client Managers will be able to guide you on the best way to calculate the sum insured required.

    OUR EXPERIENCE WITH TREE LOPPERS

    Atlantic Insurance have been looking after the Insurance needs of Tree Loppers for many years.

    Viewed as a high risk industry by most insurers, working with an Insurance Broker and more importantly an experienced Client Manager who understands the unique risks that Tree Loppers face is extremely important.

    Whilst most mainstream insurers will not entertain providing Public Liability cover for Tree Loppers regardless of their experience and past claims history, Atlantic have partnered with an Insurer who takes a more measured approach providing appropriate risk management precautions are in place. Careful consideration needs to be given to height limit exclusions contained within some policies along with ensuring an adequate Public Liability limit of indemnity considering the outcome of any accident could lead to high property damage and bodily injury costs.

    ATLANTIC TREE LOPPERS INSURANCE SERVICES & ADVANTAGES

    • Monthly premiums available
    • Access to an insurer that Atlantic have partnered with to provide coverage for Tree Loppers
    • Your claims are handled by your Client Manager at Atlantic Insurance and not a call centre

    TREE LOPPERS COVERAGE CONSIDERATIONS

    Whilst Public Liability cover is extremely important for Tree Loppers there are many other Policy Classes that are especially relevant. Often Tree Loppers will own and operate expensive Plant and Equipment including Mulchers, Saws, Grinders and Trucks. This is in addition to high value mobile Equipment including Chain-Saws, Harnesses and Splitters. It is important that these items are covered away from your Yard for theft or damage. Particular attention also needs to be given to Statutory Liability, Personal Accident and Illness and Directors and Officers Liability. Click below to find out more information on some of the common policies that we discuss with our Tree Lopper Clients.

    Income Protection
    Insurance

    Income Protection
    Insurance

    Your ability to earn an income is likely your biggest asset requiring protection. Through our association with Atlantic Financial Services, we can provide advice on a range of personal risk insurances, including Income Protection and Life Insurance.

    Workers Compensation
    Insurance

    Workers Compensation
    Insurance

    Workers Compensation requirements differ from state to state in Australia. Atlantic can help to coordinate insurance to cover your employees against injury at work.

    Goods In Transit
    Insurance

    Goods In Transit
    Insurance

    If you import stock or materials we can assist with a Transit policy that will protect the carriage of your goods for imports, exports and local transit by air, road, rail and sea. We can also arrange cover for these goods whilst in storage or for transit of customers goods.

    Management
    Liability Insurance

    Management
    Liability Insurance

    We recommend that all of our trades clients consider a Management Liability policy. This protects the Directors, Officers and Employees of your Company against claims arising from negligence in the performance of their duties. Covers include Directors and Officers Liability, Employment Practices Liability, Crime, Statutory Liability and many more.

    Construction Insurance

    Construction Insurance

    With many clients in the Construction Industry, Atlantic are experts at providing cover for Contract Works, including cover for both Material Damage and Public and Products Liability. Our policies can also be extended to include cover for materials in transit, display homes and other unique building risks.

    Plant &
    Machinery

    Plant &
    Machinery

    Many Tradies own Plant and Machinery such as excavators, bobcats, skid steers and forklifts. We offer a range of policies to cover these items for Theft and Damage along with Third Party Liability if these items are registered.

    Commercial Motor
    Insurance

    Commercial Motor
    Insurance

    We are experienced in organising both single Commercial Motor policies and Commercial Motor Fleet policies if your business operates a fleet of vehicles, which can be extended to cover automatic additions and deletions, free windscreen, along with other benefits.These policies provide protection for your vehicles, including own damage and third party property damage.

    Business / Factory
    Insurance

    Business / Factory
    Insurance

    If you own or lease a factory or warehouse, we can organise cover for your Buildings, Stock and Contents for risks such as Fire, Accidental Damage, Malicious Damage, Water Damage, Impact, Business Interruption, Theft and Glass Breakage.

    Tax Audit
    Insurance

    Tax Audit
    Insurance

    The ATO continue to target self-employed tradie’s for tax audit. Atlantic can set up a policy that will cover your tax audit expenses in the event you are audited by the ATO or other government agencies.

    Injury & Illness
    Insurance

    Injury & Illness
    Insurance

    If you require a more basic coverage to protect your income, Atlantic can assist with Injury and Illness Insurance, with benefit periods up to 5 years and waiting periods as low as 2 weeks.

    Tools
    Insurance

    Tools
    Insurance

    If your tools were stolen, how would continue to work? We offer a range of policies that will cover your tools for either accidental loss and damage or limited to theft following forcible and violent entry. Premiums are competitive and will ensure you can get back to work ASAP.

    TREE LOPPERS RISK – OUR OBSERVATIONS

    The obvious risk that Tree Loppers face is a claim against Property Damage or Bodily Injury following a tree felling incident however with changes in many Australian States there are now significant laws in place that could be applied for workplace manslaughter putting Directors and owners of Tree Lopping businesses in line for personal costs and damages that are often not covered under a Public Liability Policy. Whilst insurers are now limited on the coverage they can provide for fines and penalties, defence costs against some actions may be coverable. Speak with one of our experienced Client Managers who will be able to provide advice on the covers available for Tree Loppers.

    CURRENT CLAIMS LANDSCAPE

    Many of our Clients are currently experiencing a difficulty in replacing specialist Plant and Equipment following Theft or Damage following a long lead time by manufactures and a shortage of replacement equipment. It is important that you understand the basis of coverage for this equipment under your policy. Is your equipment covered for Replacement Value, Market Value or Agreed Value and what are the differences in this cover? Our experienced Client Managers will be able to guide you on the best way to calculate the sum insured required.

    What Our Client’s Say About Us

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