Why you need Personal Injury Insurance

My True Story

Hi, I’m Simon, the Managing Director at Tree Surgeon Insurance. I want to share my true story with you, as it raises some important points. Six weeks ago, I woke up with a sharp pain in my Achilles. The only thing I had done was play crazy golf with my 14-year-old daughter. The pain got…

Where’s my lolly?

We’ve seen lots of posts on social media recently from Tree Surgeons who haven’t got paid for their hard work. There are a few ways to ensure you get paid on time… some perhaps a little more inventive than others! 1. Contracts We’ve talked before about the importance of having a contract in place, and…

Bona-fide sub-contractor digger

What is a bona-fide sub-contractor?

We often hear ‘My groundsman is a bona-fide sub-contractor, so I don’t need Employers’ Liability Insurance’. These days everybody should know that it is extremely unlikely that a groundsman or even a climber is a bona-fide sub-contractor. Note the caveat – ‘extremely unlikely’. The reason for this cautionary note is the original law and guidance…

Answering the phone

Answer the phone!

Some time ago, a friend of mine who is a local vicar asked me to recommend a Tree Surgeon. I gave him a list of 5 companies who we insure within 10 miles of his parish. Doing work for churches can be very lucrative and there was also the potential to get on the approved…

Job Sharing

This occurred some time ago, but it is a reminder about ‘working together’. A chap, who we will refer to as John, only did hedge laying and the felling of small trees. He had Public Liability Insurance and stated that he works alone. He found he had a lot of work on, so a friend…

Tree Climbers at APF2018

APF 2022!

Not long to go now until the BIG one, and it’s already looking like the biggest yet! Will we see you there? After being cancelled for two years in a row it promises to be even more popular. The APF is a huge event, and with many top retailers exhibiting, there is nowhere better to…

Cowboy as tree surgeons and foresters

The return of the Cowboys

The recent storms have created a massive spike in demand for Tree Surgeons and Foresters. This in turn has brought out the cowboys. Last night the doorbell rang, and I cautiously opened the door (working in insurance I don’t have many friends!). A very dishevelled looking man told me he was in the area tidying…

Stuff this up your nose!

Happy New Year! I know we were all hoping to see the back of Covid in 2022, but it looks like it will be hanging around a bit longer. There’s been a lot of talk about Lateral Flow Tests recently with shortages and the increase in cases of Omicron. We’re interested in whether you ask…

Rock of Gibraltar

A TAXING time!

January comes every year – hopefully! Besides keeping your new year’s resolutions, the other daunting issue at this time of year is TAX. Most self-employed people and some employees have to make a return to Her Majesty’s Revenue and Customs (along with a contribution towards her upkeep!) Firstly, this is a reminder to submit your…