Most underwriters and insurers will class a tree surgeon as a high-risk occupation, due to working at great heights and using dangerous machinery. This means that sometimes the premiums can be slightly higher than the standard rates.
As a tree surgeon should I get Life insurance, critical illness cover or Income Protection?
You should always consider some form of financial protection if you are worried about what would happen if you were unable to work, thinking about how this could affect you financially. It is especially important to consider if you have family, dependents and any other financial commitments.
There are a number of things that your underwriter will have to consider and discuss with you when enquiring about tree surgeon life insurance. The activities they will need to discuss with you are:
- If you operate dangerous machinery
- Working from heights
- Are you using equipment to climb up trees
- Removing tree stumps
Critical illness cover for tree surgeons
If you are unable to work due to a medical illness or diagnosis, then critical illness cover will pay out a lump sum of money to your dependents. There are certain medical conditions that are covered such as:
- Live failure
- Heart valve repair
- Heart surgery
Income protection for tree surgeons
If you are looking for income protection then Sports FS can provide you with this, but how does this work?
It is possible to endure injuries whilst working in this kind of profession, which could stop you from working for a period of time. Some work contracts do not allow you to be paid whilst not working, which is where an income protection policy comes into play. This type of policy will provide you with a regular salary, which will ensure that you have financial stability whilst out of work. This protection is essential if you have commitments such as:
- Mortgage payments
- Personal loans
- Car loans
- Only one household income
- Credit card payments
If this a profession that you undertake as your full-time employment, then you should not delay getting tree surgeon life insurance, income protection or critical illness cover. It is important that you eliminate financial uncertainty if you work in a hazardous occupation such as Tree surgery.