The Most Common Causes of Arborist Insurance Claims

Liability Insurance is crucial to ensure that you business has protection in place against Third Party Damage and Injury claims. Additionally, common claims include unauthorised access to job sites. As well as risk of vicarious liability to sub-contractors. Similarly, an additional cause of Public Liability claims are caused by the contractor failing to “Dial before you Dig”, or by failure of the arborist to ensure that the working area has been cleared. This has resulted in tree limbs falling onto homes and vehicles.

Although the risk at the office is fairly low, there is a large exposure while working out on site that something could go wrong. For Arborists and tree lopping contractors, these generally include; risk of traffic accidents, unauthorised access, failure to clear the site to avoid damage to vehicles and homes from falling tree limbs, and collapse of structures. In addition, there is also a risk of liability to sub-contractors, vicarious liability for subcontractors, and damage to customer or other third party equipment.

Finally, the third most claimed on insurance for Arborist contractors is Commercial Motor Insurance. This is because of the risk of falling objects, or inexperienced drivers. Likewise, there is also the risk of collision or overturn with hired-in trucks or equipment. This subsequently can present a sizeable risk if the driver has inadequate training or is distracted while driving.

Further, if you are working in the Forestry industry and are looking for more ways to reduce risk on site, please click here to go to Safe Work Australia.