Life Insurance & Income Protection For Tree Surgeons

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 22nd February 2024

tree surgeon life insurance

In this short guide, the Insurance Hero team explains the benefits of life insurance for Tree Surgeons.

We will explain why we consistently provide comprehensive policies with prices perfectly tailored to your needs.

Why Do Insurers Consider Tree Surgery a Higher Risk Profession?

As Tree Surgeons, you may work at a great height and use dangerous machinery. Underwriters see such an occupation as a higher risk than an office worker.

Premiums are typically slightly higher, but that is not to say they are unaffordable. 

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tree surgery life insurance

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tree surgeon working at height

Types of Coverage for Tree Surgeons

Coverage TypeDescriptionBenefits
Life InsuranceProvides a lump sum to your dependents in the event of your death.Financial security for your family.
Critical Illness CoverPays out a lump sum upon diagnosis of certain critical illnesses.Financial support during a difficult time allows focus on recovery rather than finances.
Income ProtectionOffers a regular income if you cannot work due to injury or illness.Ensures financial stability during periods you cannot earn an income.
Mortgage ProtectionDesigned to pay off your mortgage in the event of death or diagnosis of a critical illness.Peace of mind that your family’s home is secure.
Private Medical InsuranceProvides access to private healthcare, reducing waiting times for treatment.Faster access to treatment and potentially quicker recovery times.

Common Risks and Safety Measures for Tree Surgeons

Risk FactorSafety Measures
Working at HeightUse of appropriate fall arrest systems and ensuring proper training in their use.
Chainsaw and Equipment UseRegular maintenance of tools, proper training in use and safety gear, including chainsaw trousers and helmets.
Manual HandlingTraining in proper lifting techniques and use of equipment to assist with heavy lifting.
Falling Trees and BranchesEnsuring clear communication during felling and adherence to safety protocols.

Insurance Application Considerations for Tree Surgeons

Occupational QuestionsInsurers will ask about the specifics of your work, including the heights you work at, the equipment you use, and any additional risks your job entails.
Lifestyle QuestionsQuestions about your lifestyle, including smoking, drinking, and exercise habits, as these can affect your risk profile and, consequently, your premiums.
Health and Medical HistoryYour medical history, including any previous injuries or ongoing health issues, particularly those related to your profession, will be considered during the application process.

Insurance Hero Is Here to Help Get You A Competitive Quote

Insurance Hero has strong relationships with underwriters specialising in life insurance for higher-risk occupations. We work with underwriters who provide competitive quotes. Insurance Hero understands what underwriters need from us to provide you with a quote that is accurate and tailored to your circumstances.

In our pre-quote process, we will discuss your circumstances and occupational activities thoroughly but unobtrusively.

We do this via a fact-finding questionnaire. It is essential to complete this correctly. We want to ensure the final policy accurately reflects your circumstances. Less rigorous providers may sell you a plan missing critical cover and may affect you when you need it most.

As an example of the questions we ask, let us consider your health:

  • Do you smoke or drink?
  • Exercise regularly?
  • Have you had an injury caused by tree surgery work?
  • Your age, height and weight?
  • Are you in pain at work?
  • What is your medical history?

Insurance Hero is a professional and trusted insurance agent. Getting You a comprehensive policy is our priority!

tree surgeon working high up

Should I Get Life Insurance, Critical Illness or Income Protection Cover?

With the risk of injury in the workplace affecting your ability to work, will you be financially sound if you cannot work? If you have a family or dependents and you have financial commitments, including the below, then as a Tree Surgeon, you should consider life insurance and its associated covers:

  • An outstanding mortgage
  • Credit card debt
  • Personal loans
  • Car loan
  • Bank Overdraft
  • Single income family

Compare Life Insurance Cover For Tree Surgeons

Are you covered financially in case of death in the workplace? Life insurance cover is valuable for those working in higher-risk occupations, including Tree Surgeons. In return for regular monthly or annual premiums, dependents receive a lump sum payout in the case of the policyholder’s death.

For Tree Surgeons with young families, comfort comes in knowing your loved ones will be financially secure if something happens to you in the workplace.

Don’t Delay – Get Tree Surgeon Life Insurance Cover Today. Highly Rated For Financial Strength

tree surgery life assurance

  • Our price match promise means we will find you the right cover for your personal circumstances at the lowest price possible. Terms & Conditions and Privacy Policy

tree surgeon life cover benefits

Underwriters need to know your daily activities to provide a quote. For tree surgery, are you:

  • Operating dangerous machinery
  • Working at a great height
  • Felling trees
  • Climbing trees using equipment
  • Removing tree stumps
  • Setting up safe work positions

The type of daily tasks will affect the cost of cover. Not all tree surgery tasks involve the same risk.

Within tree surgery, insurers take into account lower-risk activities such as:

  • Planting of trees
  • Cultivation of shrubs
  • Groundwork
  • Landscape gardening
  • Tree inspection at ground level

The most important thing is to provide an accurate overview of your occupation. Insurance Hero prides itself on accuracy and providing underwriters with correct information.

Critical Illness Cover for Tree Surgery Workers

Critical Illness cover pays out a lump sum to you and your dependents. It occurs should you cannot work due to a diagnosis or medical procedure.

Payout typically takes place if you survive fourteen days from diagnosis. The lump-sum payment results from paying regular insurance premiums throughout a policy. A payout follows pre-defined guidelines within the plan, and not all critical illnesses are covered.

Below is a sample of some of the diseases and procedures covered:

  • Parkinson’s disease
  • Liver failure
  • Pulmonary artery surgery
  • Heart valve repair or replacement
  • Structural heart surgery
  • Multiple system atrophy
  • Alzheimer’s disease
  • Pre-senile dementia
  • Motor Neurone Disease

Always correctly define the cover required under a critical illness policy at the outset. Insurance Hero could save you significant money and time due to our detailed pre-quote fact-finding process.

We want our customers to have an insurance policy that aligns with their circumstances. We want our customers to get the payout they deserve if they can no longer work through severe injury or illness.

Insurance Hero is here to serve your best interests. Please get in touch with us on 0203 129 88 66 for a fast but thorough life insurance quote. You deserve to undertake your daily tasks without the financial worry of having an accident and being unable to work.

FAQs Relating To Tree Surgeon Life Insurance:

Are there premium loadings for working at height?Due to the increased risk associated with tree surgery, premiums may be higher. However, specialised insurers such as Insurance Hero understand this profession and can offer competitive rates.
Can tree surgeons get income protection?Income protection is available and can be tailored to cover the specific risks associated with tree surgery work.
What is critical illness cover?Critical illness cover is a type of insurance that pays out a lump sum if you are diagnosed with one of the specified critical illnesses during the term of the policy.
Can I get life insurance if I have a hazardous job?Yes, while hazardous jobs like tree surgery can affect premiums and coverage options, there are policies available designed to meet the needs of those in higher-risk professions.

Below is a list of the different types of tree surgery commonly performed in the UK:

This covers the primary services of tree surgeons in the UK, addressing everything from routine maintenance to emergency responses and legal compliance.

  • Tree Felling and Removal:
  • Complete removal of trees from a site is often necessary when a tree is dead, diseased, or poses a safety hazard.
  • Crown Thinning:
  • Selective removal of branches to increase light penetration and air movement through the tree’s crown, improving health without altering the overall shape or size.
  • Crown Lifting:
  • Removal of the lower branches of a tree to clear space for traffic and buildings or to enhance views while maintaining the tree’s health and balance.
  • Crown Reduction:
  • Reducing the height and/or spread of a tree by pruning back the leaders and branch terminals to secondary branches that are large enough to assume the terminal roles. This is often done to reduce wind resistance or to make the tree more suited to its environment.
  • Pollarding:
  • A method where the upper branches of a tree are removed, promoting a dense head of foliage and branches. It’s a form of management that needs to be started when a tree is young and continued on a regular cycle.
  • Stump Grinding and Removal:
  • After a tree has been felled, the stump can be removed using a stump grinder or through chemical treatment, making the area ready for replanting or other uses.
  • Tree Planting:
  • Planting new trees, including selecting appropriate species for the location and ensuring proper planting techniques to promote healthy growth.
  • Hedge Trimming and Maintenance:
  • Regular cutting and shaping of hedges to maintain their appearance and health or to form a boundary.
  • Dead-Wooding:
  • Removing dead, dying, or diseased wood from the tree prevents decaying organisms from entering the tree and reduces the risk of falling branches.
  • Tree Preservation Order (TPO) and Conservation Area Work:
  • Carrying out tree work in compliance with legal protections, including obtaining necessary permissions for trees under TPOs or within conservation areas.
  • Emergency Tree Work:
  • Responding to situations where trees have become hazardous due to storm damage, accidents, or sudden disease outbreaks, requiring immediate attention to ensure public safety.
  • Tree Inspection and Disease Management:
  • Assessing trees for signs of disease or pest infestation and recommending treatments or management strategies to preserve tree health.

Income Protection Cover for Tree Surgeons

Insurance Hero also provides income protection cover. How does this type of cover work?

If you are working as a Tree Surgeon, you could get injured in the workplace. In a manual profession, an injury may stop you from doing your job for a time.

If you are not working, depending on your work contract, you may not get paid. Income protection will pay you a regular salary, ensuring financial stability for you and your dependents. You can focus on getting better rather than worrying about money matters.

This protection is provided by making regular payments throughout the policy. The policy will kick in after a pre-defined period; it can be from as little as one month to one year. 

Income protection is essential if you have financial commitments which include but are not limited to the following:

  • Only one household income
  • An outstanding mortgage
  • Outstanding credit card balances
  • Personal loans
  • Car loans

Do not delay. Get income protection cover now and eliminate financial uncertainty as you work as a Tree Surgeon, a profession that you undertake with passion.

Contact Insurance Hero now at 0203 129 88 66. We want to help provide financial security for you and your family by having sound life insurance and associated cover in place. You deserve to have the best Insurance Hero can deliver.