Ropes, saws and falling timber
Tree surgery mixes height, cutting tools and heavy, moving loads. Climbers work in the canopy on ropes and harnesses, often using a top-handled chainsaw. Ground staff handle chippers, stump grinders and falling branches. Cuts, falls, crush injuries and strains are all part of the risk, and so is the cumulative wear on shoulders, backs and knees.
Storm work brings urgent jobs in difficult conditions. Days are long and physical, and most of the work is outdoors whatever the weather.
Certificates and crews
Arborists usually hold certificates for chainsaw use and aerial rescue, and many firms follow Arboricultural Association standards. Insurers may ask which tasks you are qualified for, as this shows what you actually do.
Most tree surgeons are self-employed or work in small crews. If the lead climber is injured, the whole crew may stop. There is rarely sick pay, and machinery finance keeps running.
Storm seasons can bring a rush of well paid emergency work, but insurers base your cover on average profits rather than one bumper month. Keep records that show the full picture of each year.
- Climbers: expect detailed questions about heights and saw use
- Ground staff: explain that you do not climb, if that is true
- Consultants and surveyors: may be rated as light or office work
- Crew owners: think about business overheads during time off
Getting usable income cover
Insurers put climbing arborists near the very top of their risk scales. Some decline income protection outright. Others offer short-term cover, paying for a limited period per claim, or use a work tasks definition that asks whether you can do basic physical activities rather than your own job.
Limited cover can still matter. A broken wrist or leg can stop a climber for months, and a policy that pays through that recovery protects your home and business. Comparing the insurers that will consider the job is the only way to find the best available.
Life insurance for arborists
Life cover pays a lump sum if you die while the policy is active. Insurers ask about climbing and chainsaw work and may add a premium loading for climbers. Ground staff and consultants are more likely to get standard terms.
Even with a loading, life cover is usually available. It can clear a mortgage and support your family.
How Hi Tomorrow helps tree surgeons
We know which insurers will consider tree surgery and how they word their cover. We ask about your role, qualifications and the balance of climbing and ground work, then explain your options honestly, including what any limits mean.
If you are training to move from climbing into consultancy or tree inspection, let us know. A change like that can widen your options a great deal, and it is worth reviewing your cover once your duties change. We help with the application and stay alongside you if you claim.