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.

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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.

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Charles Foster

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Colin Sadler


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