Yes. You should always insist on seeing the company’s insurance certificate before work commences. If you have any doubts about the validity of the certificates, contact the insurance company or broker directly.

A Tree Care Company should have insurance which specifically describes the work it carries out, not landscapers insurance or some other type, just because it is a less expensive policy.

Only an Insurance policy which adequately describes the tree care work carried out will cover a claim in the event of an accident.

Public Liability-

There should be a minimum of €5,000,000 coverage in this area for any one accident.

Commercial Motor-

There should be unlimited liability in respect of any Personal Injury claims. The limit in respect of Property Damage Claims should not be less than €6,500,000.

Employers Liability –

This insurance is sometimes overlooked by the consumer but should not be taken lightly. If someone working on your property was injured and was not covered by Employers Liability Insurance you could be held liable for all subsequent claims including medical expenses. The Limit of Indemnity for this insurance cover should not be less than €13,000,000.