What insurance do i need?

pukunui · 15th July 2010, 12:53 AM

Gday, I did a quick search but couldn't find exactly what i needed.

Im just starting up a business doing tree work and a bit of landscaping and im trying to find out what sort of insurance i need.

My main question is: Do i need Professional Indemnity insurance as well as Public Liability if i am only doing general tree work eg. removals, pruning, planting?

Is professional indemnity only for Consulting Arborists who write reports/do surveys etc?

Also how much Public liability cover will I need?

It's bloody hard trying to find this information. Luckily there are places like this to ask.

p.s. I know it is a good idea to have Personal injury cover (and that i will also need workers comp if i employ someone), but just looking at the covering my arse financially insurance first.

Thanks for your help.
Dave

Eric Frei · 15th July 2010, 10:15 PM

My answers are in green, easier this way.

Quote:

Originally Posted by pukunui

Gday, I did a quick search but couldn't find exactly what i needed.

Im just starting up a business doing tree work and a bit of landscaping and im trying to find out what sort of insurance i need.

My main question is: Do i need Professional Indemnity insurance as well as Public Liability if i am only doing general tree work eg. removals, pruning, planting? No you do not need PI

Is professional indemnity only for Consulting Arborists who write reports/do surveys etc? Yes, also if you give advice so be careful.

Also how much Public liability cover will I need? $5million is about the minimum, but some places want you to have up to $20million to work there.

It's bloody hard trying to find this information. Luckily there are places like this to ask.

p.s. I know it is a good idea to have Personal injury cover (and that i will also need workers comp if i employ someone), but just looking at the covering my arse financially insurance first.

Thanks for your help.
Dave

pukunui · 16th July 2010, 12:00 AM

Awesome, Thanks for your help.

15th July 2010, 12:53 AM	#1
pukunui Sappling Join Date: Mar 2010 Location: Sydney Posts: 33	What insurance do i need? Gday, I did a quick search but couldn't find exactly what i needed. Im just starting up a business doing tree work and a bit of landscaping and im trying to find out what sort of insurance i need. My main question is: Do i need Professional Indemnity insurance as well as Public Liability if i am only doing general tree work eg. removals, pruning, planting? Is professional indemnity only for Consulting Arborists who write reports/do surveys etc? Also how much Public liability cover will I need? It's bloody hard trying to find this information. Luckily there are places like this to ask. p.s. I know it is a good idea to have Personal injury cover (and that i will also need workers comp if i employ someone), but just looking at the covering my arse financially insurance first. Thanks for your help. Dave

16th July 2010, 12:00 AM	#3
pukunui Sappling Join Date: Mar 2010 Location: Sydney Posts: 33	Re: What insurance do i need? Awesome, Thanks for your help.

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