How will you pay the bills if you are injured and cannot work?

Personal Injury Insurance is frequently overlooked as it is considered an unnecessary expense. However, when you consider that Tree Surgery and Forestry have appalling safety records, this type of cover should be a priority. Too many people want to insure their chainsaws and not themselves.

The question you should ask yourself is ‘how would you pay your bills if you were involved in an accident?’ Our Managing Director Simon Wilson has written numerous guides and articles on this subject for the Arb Association and other publications. You can read one here on the types of Personal Injury Insurance, or watch the short video below.


  • Chainsaw injuries

  • No height restrictions

  • Dangerous sports cover can be included

  • Claims can be paid out until age 65

  • Covers illness

  • Short waiting period – typically one week

Personal Injury Insurance Guide

What is more important, your chainsaw or your leg? Read our simple guide on Personal Injury Insurance to understand which one may be right for you.

Why Tree Surgeon Insurance?

We specialise in insuring Arborists and Foresters so we know the difference between a groundsman and a fully qualified climber.
tree surgeon insurance

What Activites Can We Cover?

Cover can include injures at work, home and leisure including dangerous sports like Mountain Biking, Motor Cross, Climbing, Cycling, Football & Martial Arts.

Personal Injury Insurance FAQs

Can you include cover for sports injuries? Yes we can cover virtually all dangerous sports from mountain biking  to rock climbing.

Will you cover existing conditions? This depends on their nature so please call us to discuss further.

Will I have to be off work a long time before I can claim? No, typically the waiting period is a week although it can be shorter.

How long will the policy pay out? This depends on what cover you choose but most people elect for a maximum claim period to age 65. So for example if you were 30 and fractured your spine and could not work again, the policy could pay out for 35 years.

Do I have to be in hospital to claim? No you just have to be unable to work. This is important because you could tear a ligament very badly and only spend one night in hospital but be unable to work for a year.

What are the most frequent claims for? This varies from year to year but chainsaw cuts and ripped ligaments are particularly common in the winter. Skiing injuries are also frequent as are (somewhat bizarrely) injuries at BBQs. The injury that always springs to mind is a Tree Surgeon who fractured his coccyx whilst walking his dog.

How much will it cost? This depends on numerous factors as we tailor make the quotation to suit your needs, but typical costs are £20-£30 per month for a 30 year old.

How do I get more information? This type of information is not just a tick box exercise so to get the right cover, the best thing to do is call us on 01732 363562.

True Stories

Here are a small selection of claims that have been paid. They demonstrate the value of comprehensive cover that covers both work and leisure injuries.


  • Mr A  partially severed his right foot whilst sledging with his children. He was unable to work for almost a year. The financial support he received allowed him to pay his mortgage and support his family.
  • Mr S tore his left cruciate ligament climbing down from his truck. Unable to work for 8 months the income he received was invaluable in keeping the ‘wolves from the door’.
  • Mr M  injured his groin whilst climbing over a barbed wire fence. He ended up with a badly infected testicle and was unable to work for several weeks. The financial support helped him cope with this difficult experience.
  • Mr E crashed his motorbike the day after his policy started. The income helped pay the bills while he recovered from a broken hand.
  • Mr E got an ear infection while on holiday. Two weeks later he collapsed with septicaemia at work. He was in a coma for 6 months. The important thing here was that his insurance allowed his family to concentrate on his recovery rather than worry about their finances.