Commercial Insurance

Professional Indemnity Insurance

Professional indemnity insurance is essential for any arboriculturalist, or forestry contracting or consultancy company offering professional advice.

As a professional, you owe a duty of care to anybody who might reasonably rely upon your advice or services, whether you charge a fee for these or not. Professional indemnity insurance from Lycetts designed to meet the cost of defending claims made against you for alleged professional negligence. It not only covers defence costs but will also pay for any damages, should they be awarded against you.


In deciding on an indemnity limit, you should consider the nature of your activities and the potential cost if something goes wrong and leads to a claim against you. In particular, higher limits should be considered when tree hazard assessments are being undertaken on trees in public places, for example in parks, outside schools, or by the side of a road.


Standard indemnity limits range from £1,000,000 to £5,000,000, but other limits can be provided if required.

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How to claim professional indemnity insurance.

It is a condition of all insurance policies that incidents that may result in claims are reported to insurers without delay. If such incidents are not reported within an acceptable timescale (usually 30 days from the time of the incident), your insurers may refuse to indemnify you.


In the event of a claim in relation to a commercial business policy, you should contact your Lycetts account executive/handler as soon as possible. When completing claim forms, ensure the whole form is completed as far as possible and it is signed on your behalf or your company’s behalf by an authorised person. For further detailed information relating to claims concerning injury to employees or third parties, damage to third party property, loss or damage to own property, personal accident and sickness or motor accidents, please click here.

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