Insurance help!!

[scott995]

I have just started to get some tree work in for myself and im starting to get a lot of work in but I need to get insured first. But I have not got a clue what insurance I need, where to go for it and how much it will cost!! Plus I will need a groundsman will the insurance cover them?? Can anyone help me out?? I'm rubbish with all this stuff

[Paul Smith]

Look at the links on the right, they will tell you what you need and how much. I am with Arbinsure if thats any help?

[scott995]

Thanks I will take a look

[Mozza]

Im with Arbinsure too, They were very good for me, They should give you some decent advice.

 

 

Id ring round a few companys tho, As what good for one, Might be not so good for another

[AA Teccie (Paul)]

I have just started to get some tree work in for myself and im starting to get a lot of work in but I need to get insured first. But I have not got a clue what insurance I need, where to go for it and how much it will cost!! Plus I will need a groundsman will the insurance cover them?? Can anyone help me out?? I'm rubbish with all this stuff

 

 

Hi 'Scott995',

 

Principally there are 2 main types of insurance you need to consider:

 

1. Employers Liability (EL) - compulsary, i.e. legally required, if you are employing people (and probably if you should be but choose to engage a freelance 'groundsman' on a regular basis instead.)

Essentialy this is required to cover a pay-out to an employee injured whilst working for you.

Usually £5million min. but take advice.

 

2. Public Liability (PL) and usually include 'Products Liability' too - optional BUT strongly recommended and indeed some contracts require it.

This is in case, despite your best efforts, the 'proverbial hits the fan' and summat goes wrong with harm or damage being caused.

Usually £2million min. but again take advice and ensure adequate cover.

 

There is also Professional Indemnity (PI) insurance available but this is usually the domain of the tree advisors / tree consultants and covers them for giving duff advice, kinda, so prob don't need to worry too much at this stage.

 

The other thing is personal accident cover and motor insurance and......aghhh!

 

Good luck with your new venture!

 

Cheers..

Paul

[Trackers]

Hi Scott

I use William James http://www.williamjames.biz they are geared up for business insurance and I find them very helpful.