Does Public Liability Insurance Cover Tree Surgeons Working Near a Road?

Short answer: a public liability policy may cover specified legal liability for injury or property damage arising from tree work, but roadside operations and work at height must be accurately declared. Limits, exclusions and conditions vary, so do not assume a general trades policy covers every operation.

Describe the work clearly

Tell the broker whether you carry out felling, pruning, stump removal, climbing, use of chainsaws, work near roads or work for local authorities and utilities. Explain whether traffic management is arranged by you or another contractor, and whether you use subcontractors. A policy may restrict particular activities or require precautions, qualifications or approved methods.

Public liability is not the same as employers’ liability for employee injury, tools cover or motor insurance. A contract may require a specific limit or evidence of cover, but the certificate does not change the policy’s exclusions. Check whether the client wants to be noted as an interested party and what wording is acceptable.

Before starting a job

• Confirm the site, task and contract requirements are within the declared activities.
• Plan exclusion zones, access and traffic controls using competent site procedures.
• Keep training, inspection and incident records.
• Tell the broker about new equipment, services or subcontracting arrangements.

Insure24’s business insurance information and contact route can help you prepare a specialist enquiry. Insure24 is a broker; cover depends on insurer appetite and the wording.

General information only; follow current health and safety requirements for the work.