Personal Injury Insurance - Do you have it?

[Steve Bullman]

Disclaimer - partially just showing off my latest website build ?

 

http://www.treesurgeoninjuryinsurance.co.uk/

 

Do you have insurance?  Personally I don't, although having just taken out a mortgage I am considering its worth despite no longer climbing trees.

 

Do you consider it an expense you don't need?

 

Finally what are you paying and for what level of cover?

[Haironyourchest]

I don't. Gonna get some though, literally just talking with a landscaper/maintenance guy working on the same property today, who fell off a ladder and broke his heel several months ago. 3 misdiagnosis later and he will have to fly home to Poland for an operation, gonna be out thousands. He was on crutches, and could only use his ride on, no heavy work, had to employ a guy to do the hard stuff. He thought his PL would cover him ?...That said, I've never had an injury, and I'm superstitious about betting against it. Still, will be getting cover.

[john p]

I do, £58 pm, but starts paying out straight away £1200 pm.

[Steve Bullman]

Seems roughly in line with what I used to pay, £38 for £800 a month 

[john p]

Yeah, they put it up £6 pm last year when I hit 40!

[Tree Surgeon Insurance]

Steve  yes thanks for your patience on this and yes you did a great job.  The big questions is why do most Arborists insure their chainsaws and not their eyes??

[eggsarascal]

Yes, I was off work for nearly a year when I was employed, I got paid by the company I worked for. Insurance is about the only thing I pay for and hope never to use.

[Simia]

This is my second year in the industry and I have had it from day one. I’m the same as eggsarascal. I pay for it but hope to never use it.

[Mick Dempsey]

No, never had it.

[Tree Surgeon Insurance]

So why would anybody not have it? A lot of people think they are covered at work. But Employers Liability Insurance covers the employer and not the staff.  It is something everybody should consider.