Tree Surgeon Employers' Liability Insurance

Tree surgery work involves significant injury risks due to climbing operations, chainsaw work, machinery use and heavy lifting. Employers' liability insurance helps protect tree surgery businesses if employees suffer injury or illness arising from their work.

Specialist cover is important because tree surgery is a higher-risk trade with staff often working at height, outdoors and around dangerous machinery.

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Tree Surgeon Employers' Liability Insurance Explained

Tree Surgeon Employers' Liability Insurance Quick Answer

In most cases, employers' liability insurance is legally required in the UK if your tree surgery business employs staff, including permanent employees, temporary workers, ground workers, climbers, apprentices and labour-only subcontractors.

Is Employers' Liability Insurance a Legal Requirement?

In most cases, employers' liability insurance is legally required in the UK if your business employs staff. Failure to hold appropriate cover could result in fines.


  • Permanent employees
  • Temporary workers
  • Ground workers
  • Climbers
  • Labour-only subcontractors
  • Apprentices

What Does Employers' Liability Insurance Cover?

Employers' liability insurance may help protect against injury compensation claims, legal defence costs, medical expenses and rehabilitation costs.


  • Falls from height
  • Chainsaw injuries
  • Falling timber
  • Machinery accidents
  • Slips and trips
  • Manual handling injuries

Why Tree Surgeons Need Specialist Employers' Liability Insurance

Tree surgery is considered a higher-risk trade due to working at height, dangerous machinery, outdoor working conditions, public-facing work and emergency call-out operations.


  • Qualifications held
  • Health and safety procedures
  • Experience levels
  • Claims history
  • Risk assessments

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 Surgeon Employers' Liability Insurance FAQs

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Is employers' liability insurance mandatory?

Yes, in most circumstances where employees are engaged.

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Does it cover subcontractors?

This depends on how subcontractors are classified and the insurer's terms.

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What limit of indemnity do tree surgeons need?

Many businesses choose GBP 10 million cover.

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Can sole traders buy employers' liability insurance?

Yes, particularly if labour-only subcontractors are used.

Arrange Employers' Liability Insurance for Your Tree Surgery Business

Get specialist cover for climbers, chainsaw operators and grounds staff with Insure24.

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