Commercial Insurance

Public Liability Insurance

As well as general commercial public liability insurance, Lycetts offers public liability insurance specific to the arboricultural and forestry trades.

For example, tree surgery and forestry public liability insurance covers legal liability to third parties (i.e. non-employees) for injury or damage to property as a result of negligence arising out of work or goods supplied in connection with your business.


Unlike many other policies, our public liability insurance cover policy does not contain any restrictions on the height at which you work or the way in which felling is carried out. The policy will cover various associated or secondary activities, depending on your requirements.


The policy excess is usually £500. This policy provides one of the widest wordings in the market and cover automatically extends to include: £10,000 death in service cover for any principal, partner or director aged 16-70; manslaughter legal costs and expenses; advice and design cover extension where no fee is charged; no height limits or restrictions to damage or injury caused within the trees radius.


DAS commercial legal expenses can also be included for a small additional premium, providing £100,000 cover in respect of employment disputes, legal defence, statutory licence appeal, contract disputes, property protection, personal injury and tax protection.


Our standard limits of indemnity are £2,000,000, £5,000,000 or £10,000,000, but higher limits are available on request.

Get in touch

We’ve offices located all across the United Kingdom

And we’re always available for you by telephone or email whenever and wherever you need us.

Contact our expert directly or alternatively complete your details below to contact the team.

Stephen Lewis


Contact Stephen Contact The Team

*Required fields

*Required fields

How to claim public liability 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.

Have you thought about...

Legal expenses cover is included with most of the household insurance policies we arrange.

read more

Lycetts directors and officers liability insurance is a key part of a company's general...

read more

Lycetts experts arrange bespoke critical illness cover to protect dependents in the...

read more

Lycetts arranges cover for clients seeking health and medical insurance, with access to...

read more

Our People

We provide our clients with more than just insurance solutions.

Our experienced staff understand your needs.

Previous Next
Colin Sadller 3

Colin Sadler


Sue Williams 3

Sue Williams

Divisional Director

Andy Cooper 3

Andrew Cooper

Account Executive

Adrian Prior

Account Executive

Karin Clark 3

Karin Clark

Account Handler

Lycetts Insights

Lycetts Insights provides updates on topical issues and key events.

Read more about developments both in insurance and at Lycetts.

Farmers warned to comply with fire insurance policy wording

July 21, 2017

Insurers are reacting to the number of claims due to fire which have devastated both bale stacks and the barns in which they are kept. As a result the terms of many fire insurance policies have changed with a greater onus on farmers to take steps to reduce the risk of fire. Failure to do this may result in an invalid claim.

read more

Lycetts at The Festival of Hunting 2017

July 9, 2017

Lycetts is the headline sponsor for the 2017 Festival of Hunting for the second year running as part of our ongoing partnership with the East of England Agricultural Society who organise this prestigious event in the hunting calendar.

read more


Our Offices

  • Newcastle

  • Edinburgh

  • Exeter

  • London

  • Marlborough

  • Newmarket

  • Norfolk

  • Oxford

  • Shropshire

  • Surrey

  • Sussex

  • Yorkshire