Why do tree surgeons and arborists need income protection?
A fall, chainsaw injury, or serious illness can end a tree surgeon's ability to work immediately. Income protection pays monthly benefits if you're unable to work, covering your mortgage and living costs during recovery. For self-employed tree surgeons, this is the only income safety net available.
How does income protection work for tree surgeons and arborists?
Income protection pays a monthly benefit — typically 50–70% of your gross income — if you're unable to work due to illness or injury. Payments continue until you return to work, reach the policy end date, or die.
How much does income protection cost for tree surgeons and arborists?
Tree surgery is typically Occupation Class 3 or 4 for income protection due to the high-risk nature of the work. Premiums are higher than for standard trades. A healthy 35-year-old tree surgeon looking for £1,500/month benefit typically pays £25–£55/month depending on the deferred period and occupation class.
Own occupation vs any occupation
Always aim for "own occupation" cover — this pays out if you cannot perform your specific job. "Any occupation" cover is much harder to claim on and is generally not recommended.
Frequently Asked Questions
Occupation class is a key pricing factor for income protection. Tree surgery is typically Occupation Class 3 or 4 for income protection due to the high-risk nature of the work. Premiums are higher than for standard trades.
Long-term policies pay until you return to work or retire. Short-term policies (1–2 years per claim) are cheaper but provide less protection.
Yes — income protection is especially important if you're self-employed, as there is no employer sick pay to fall back on.