Public & Products and Employers’ Liability

Public and Products Liability

Tree Surgery Public and Products liability insurance covers your legal liability to Third Parties (i.e. non-employees) for either injury or damage to property as a result of negligence arising out of work done or goods supplied in connection with your business.

This cover extends to include:

  • £10,000 death benefit for directors, partners and principals
  • DAS Legal Expenses
  • No height limits
  • Wrongful tree removal
  • Advice where no fee is normally charged
  • Manslaughter legal costs and expenses
  • Associated trades subject to approval

Our standard limits of indemnity range between £2m and £10m, with higher limits available on request.

Employers’ Liability

Tree Surgeons have a legal requirement to hold Employers’ Liability insurance if they employ anyone or engage labour only sub-contractors or self-employed persons. Our policy defines an employee as follows:

  • Any person under a contract of service or apprenticeship with the Insured
  • Any person who is hired to or borrowed by the Insured
  • Any person engaged in connection with a work experience or training scheme
  • Any master or person supplied by him
  • Any person engaged by labour only sub-contractors
  • Any self-employed person working on a labour only basis under the control or supervision of the Insured
  • Any voluntary helper

The standard limit of indemnity for this section is £10m, but increased limits are available on request.