Arborist Insurance Claims Guide

Tree surgery and arborist work can create significant insurance exposure due to climbing operations, machinery use and public-facing environments. Understanding common claims can help businesses improve risk management and arrange appropriate insurance.

Claims trends can also show why cover may need to include liability, employers' liability, plant, tools and professional indemnity depending on the activities undertaken.

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Arborist Insurance Claims Guide Explained

Arborist Insurance Claims Guide Quick Answer

Common arborist insurance claims include falling branch damage, property damage, public injury, employee injury, chainsaw theft, wood chipper damage, machinery fire and professional advice claims.

Common Public Liability Claims

Public liability claims can arise from accidental injury or property damage during tree surgery work.


  • Falling branches damaging vehicles
  • Property damage during dismantling
  • Injury to members of the public
  • Damage to underground utilities

Employers' Liability Claims

Employee injury claims may arise from the physical hazards involved in arborist and forestry work.


  • Falls from height
  • Chainsaw injuries
  • Machinery incidents
  • Manual handling injuries

Plant & Equipment Claims

Common equipment claims may involve theft, damage during transport or machinery breakdown incidents.


  • Theft of chainsaws
  • Damage to wood chippers
  • Trailer theft
  • Machinery fire damage

Professional Indemnity Claims

Consulting arborists may face claims where clients allege errors, omissions or negligent advice.


  • Incorrect reports
  • Missed defects
  • Negligent advice
  • Financial loss allegations

How Arborists Can Reduce Insurance Claims

Businesses may improve risk management through documented procedures, training and security controls.


  • LOLER inspections
  • RAMS documentation
  • Staff training
  • Vehicle security
  • PPE procedures
  • Emergency planning

Tree Surgeons Insurance Cluster

Use the main hub and supporting pages to compare liability, tools, plant, chainsaw, forestry, grounds maintenance and arborist consultancy risks.

Arborist Insurance Claims Guide FAQs

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Are climbing injuries common?

Climbing work is generally considered higher risk.

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Can tool theft claims affect premiums?

Yes, claims history may affect future underwriting.

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Do insurers assess risk management?

Many insurers review health and safety procedures.

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Does professional indemnity insurance cover reports?

Professional indemnity policies may help protect consultancy work.

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