Do Tree Loppers Need Insurance?

Most people love the leafy protection that trees offer but they can also get out of control and potentially cause damage. That's where your work as a professional tree lopper comes in - you're able to keep trees in control or completely remove them if necessary. Even if you only work casually as a tree lopper, you need to have insurance cover in place. Let's take a closer look at what you need to know about tree loppers insurance!

Why do tree loppers need insurance?

Tree loppers face a number of risks in their day to work, from the risk to yourself associated with the fact you work at heights and with power tools to the potential risk to third parties while you're carrying out your work. Insurance is designed to protect you financially from the unexpected and provides you with peace of mind as you carry out your work. Consider for a moment that some claims have the potential to cost your business thousands, or even hundreds of thousands, of dollars and you can see why insurance is so important.

What insurance policies should tree loppers consider?

There are a number of policies which may apply to you work as a tree lopper, including:

Public liability insurance - protects you financially if you cause damage to property or injury to a person as a result of your actions at work.

General property cover - protects your transportable items, such as your tools, if they're lost, damaged or stolen.

Personal disability insurance - means you'll continue to receive a portion of your income if you're unable to work following injury or illness so you're able to recover.

Workers compensation insurance - reimburses employers for costs associated with an employee's successful workers compensation claim and is compulsory cover in Australia.

How much will my insurance cost?

The cost of your insurance will depend on a number of factors, including the size of your business, the type of tree lopping you do, the location of your work, the level of cover you need and the number of employees you have. In basic terms, the riskier your work then the more you can expect to pay for your premiums. The most important thing is to make sure you're not underinsured - although this can be tempting due to the lower premiums, it also means that you could be caught out at claim time.

GSK Insurance Brokers are the experts when it comes to business insurance and we offer sound risk management so you and your business are protected. We've helped hundreds of Australians improve their risk profiles and our experienced brokers will take the time to get to know your specific needs. With decades of combined experience, we have established relationships with trusted insurance providers which allows us to provide quality insurance at a competitive price.

For tree loppers insurance, contact GSK Insurance brokers today on (08) 9478 1933.