Tree Surgery Insurance Claims Examples

Tree surgery work involves significant risks. Understanding common insurance claims can help businesses identify potential exposures and arrange appropriate cover.

The examples below show how liability, tools, employers' liability and plant sections may respond to different incidents.

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Tree Surgery Insurance Claims Examples Explained

Tree Surgery Insurance Claims Examples Quick Answer

Common tree surgery insurance claims include falling tree damage, chainsaw theft, employee climbing injuries and wood chipper fire or machinery losses.

Falling Tree Damage Claim

During dismantling work, a large branch falls onto a neighbouring conservatory causing major property damage. Public liability insurance may help cover repair costs, legal expenses and compensation claims.


  • Repair costs
  • Legal expenses
  • Compensation claims

Chainsaw Theft Claim

Several chainsaws are stolen overnight from a locked vehicle. Tools insurance may help contribute towards replacement equipment, business continuity and temporary hire costs.


  • Replacement equipment
  • Business continuity
  • Temporary hire costs

Employee Injury Claim

An employee suffers injury while undertaking climbing operations. Employers' liability insurance may help protect the business against compensation claims, legal costs and rehabilitation expenses.


  • Compensation claims
  • Legal costs
  • Rehabilitation expenses

Wood Chipper Fire Claim

A wood chipper catches fire during operations and requires replacement. Plant insurance may help cover machinery replacement, repair costs and loss mitigation.


  • Machinery replacement
  • Repair costs
  • Loss mitigation

Reducing Tree Surgery Insurance Claims

Good risk management practices may help reduce claims frequency and support claims defence if an incident is disputed.


  • LOLER inspections
  • Chainsaw training
  • PPE use
  • Vehicle security
  • Site risk assessments
  • Traffic management procedures

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 Surgery Insurance Claims Examples FAQs

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Can falling tree damage be covered?

Public liability insurance may help if a covered tree surgery activity causes third-party property damage.

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Does tools insurance cover stolen chainsaws?

It may contribute towards replacement costs, subject to policy terms and security conditions.

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Can employee climbing injuries be covered?

Employers' liability insurance is designed for employee injury claims connected to work.

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Can plant insurance cover a wood chipper fire?

Plant insurance may help cover insured fire damage to machinery, subject to the policy wording.

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