Tree Felling Insurance

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Tree felling work can create severe contractor risk because one incident may involve falling timber, nearby buildings, roads, utilities, vehicles, members of the public, employees and specialist equipment at the same time.

Tree felling insurance should describe the real work being carried out, including domestic tree removal, sectional dismantling, commercial clearance, forestry felling, chainsaw use, rigging, mechanical assistance and timber extraction where relevant.

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Tree Felling Insurance Explained

Tree Felling Insurance Quick Answer

Tree felling insurance commonly includes public liability, employers' liability, tools and equipment cover, plant insurance, hired-in plant, commercial vehicle cover and specialist tree surgery or forestry extensions where the work is higher risk.

Who Needs Tree Felling Insurance?

This page is for contractors who remove or fell trees as part of tree surgery, arborist, forestry, vegetation management, estate maintenance or site clearance work.

  • Tree surgeons carrying out domestic and commercial felling
  • Arborists undertaking dismantling, sectional felling and removals
  • Forestry contractors carrying out woodland felling and extraction
  • Grounds maintenance contractors with declared tree felling activity
  • Estate, school, housing association and construction-site contractors

Risks Insurers Usually Want Declared

Insurers usually look beyond the trade label and ask how the felling is carried out, what equipment is used and what could be damaged if a tree, limb or load moves unexpectedly.

  • Maximum tree height and diameter normally worked on
  • Use of chainsaws, climbing, rigging, MEWPs, cranes or winches
  • Work near roads, railways, buildings, fences, utilities or the public
  • Whether timber extraction, loading, haulage or chipping is included
  • Employee, labour-only subcontractor and bona fide subcontractor use

Typical Cover for Tree Felling Contractors

The right cover depends on whether the business is carrying out small domestic removals, commercial tree surgery, local authority work or larger forestry operations.

  • Public liability insurance for injury and third-party property damage
  • Employers' liability insurance where staff or labour-only workers are used
  • Tools and equipment cover for chainsaws, climbing kit and rigging gear
  • Plant and hired-in plant cover for chippers, stump grinders, MEWPs and winches
  • Commercial vehicle or fleet cover for vans, tippers, pickups and trailers
  • Environmental liability where felling could affect watercourses, habitats or protected areas

Tree Felling Claims Examples

Tree felling losses can become expensive quickly because they often combine injury, property damage, equipment loss and interruption to the job.

  • A felled tree damages a roof, parked vehicle, fence or neighbouring property
  • A falling limb injures a passer-by, client, employee or other contractor
  • A chainsaw, rigging kit, chipper or stump grinder is stolen from a site or vehicle
  • Felling work damages underground services, overhead cables, roads or landscaping
  • A forestry or estate job triggers an environmental or access-related complaint

Related Tree Surgeon Insurance Pages

Tree Surgeons Insurance Cluster

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

Tree Felling Insurance FAQs

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Is tree felling covered by standard tree surgeon insurance?

It can be, but the felling activity should be clearly declared because height, tree size, rigging, chainsaw use, machinery and nearby property can materially change the risk.

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Do tree felling contractors need public liability insurance?

Public liability is usually one of the main covers because falling timber, branches, tools and machinery can cause serious injury or property damage.

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Can forestry felling be covered?

Forestry felling can be considered by specialist insurers, but it should be disclosed because remote work, extraction, machinery and environmental exposure can differ from domestic tree surgery.

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Can chainsaws and chippers be insured?

Yes, chainsaws, chippers, stump grinders, climbing kit, rigging equipment and other specialist tools or plant can often be reviewed as part of the policy.

Get a Tree Surgeons Insurance Quote

Speak to Insure24 about cover tailored to your contracts, equipment, people and working methods. Start your quotation online or call a specialist contractor insurance adviser.

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