Tree surgery and forestry work are physically demanding trades where even a relatively minor injury can mean time away from work. For many arborists, forestry contractors and self-employed climbers, that can quickly impact income and day-to-day finances.
Personal Accident Insurance is designed to provide financial support if you are unable to work following an accident, helping to ease the pressure while you recover.
At Arborplan, this cover is often arranged alongside existing liability and business insurance policies, but many contractors are unaware it is available.
What can Personal Accident Insurance cover?
Depending on the level of cover selected, policies can include:
- Weekly benefit payments if you are temporarily unable to work following an accident
- Lump sum payments for serious injuries such as fractures, loss of limb or permanent disability
- Hospital benefit of £50 per day for up to 104 days
- Medical expenses extension included up to the selected limit
- Optional illness cover extensions available
Cover operates on a 24-hour basis, whether you are working, training, at home or on holiday, subject to policy terms and exclusions.
Worldwide cover is included, excluding certain territories.
Why do contractors take this cover?
Many tree surgeons and forestry contractors rely on being physically fit and able to work. Unlike employed roles with company sick pay, time off can immediately affect earnings.
Recovery periods can also be longer than expected, particularly where climbing, chainsaw work or manual handling is involved.
Personal Accident Insurance can help provide additional financial support during recovery periods when work is not possible.
Real examples of claims paid
Our claims team regularly sees how this type of cover can support clients following injury or illness.
One Arborplan client suffered a hernia injury caused by heavy lifting and was unable to work for 113 days. Their policy paid £5,000 during their recovery period.
Another client was diagnosed with a brain tumour and was unable to work for an extended period. Under an optional illness extension, the policy paid the full 52 weeks of weekly benefit cover.
How much does cover cost?
Policies start from £187 inclusive*.
This example is based on:
- £100 per week weekly benefit
- £10,000 lump sum cover for serious injury
Higher limits are available, including up to:
- £500 per week weekly benefit
- £50,000 lump sum cover
Premiums and cover levels will depend on individual circumstances and underwriting criteria.
What information is needed for a quotation?
To provide a quotation, we typically require:
- Name and address
- Date of birth
- Occupation details
- Confirmation of no absence from work due to illness or injury lasting 14 days or more within the last two years
Speak to the Arborplan team
To find out more about Arborplan Personal Accident Insurance for tree surgeons, arborists and forestry contractors, contact Matt, Catherine, John or Nikki on 03330 151 640 or email arborplan@thecleargroup.com.
Important information
*minimum rate as of May 2026 which may be subject to change.
Cover is subject to policy terms, conditions and exclusions.
Excludes activities including rock climbing, mountaineering and racing, whether riding or driving.
Worldwide cover excludes Afghanistan, Belarus, Central African Republic, Chad, Cuba, Democratic Republic of Congo, Iran, Iraq, Israel, Ivory Coast, Lebanon, Libya, Mali, Niger, Nigeria, North Korea, Pakistan (other than Punjab and Sind Provinces), Palestinian Territories, Russia, Somalia, Sudan, South Sudan, Syria, Ukraine and Yemen. This list may change.
