Professional insurance for arboricultural operations
fruit tree harvest
A tree maintenance specialist, the arborist is responsible for carrying out technical operations relating to planting, maintenance and harvesting. If you are in this profession, you are not immune to risks, mainly related to climatic events. This is why it is more than necessary to take out the appropriate insurance contracts. Update on the arborist's insurance.
The profession of arborist
An arborist is a specialist in plants and trees. Its role is to provide all the necessary care for their development and to feed them with water and fertilizers. It is responsible for protecting fruit, ornamental and forest trees against diseases and weeds. To do this, he must already be familiar with the different plant species and use the right products, insecticides and weedkillers. He must prune the trees at the right time and take into account the time of flowering. Depending on the tree species, you will also need to carry out protective pruning.
As part of his activity, the arborist is also responsible for picking and handling the fruits with care. He has to sort and package them for distribution centers. He may also be required to carry out maintenance and soil preparation work using the appropriate tools and equipment. In any case, this specialist must know how to adapt to the weather and the season. Likewise, it must be able to detect the presence of pests and disease.
The risks to which the arborist is exposed
Like all professionals in the agricultural crop sector, the main risks to which you are exposed are climatic hazards, hail, flood, drought, storm.
In addition, you probably have agricultural equipment, tractors, trailers, power tools which are expensive and which you must also store in a building.
Finally, between the use of phytosanitary products and working at height, the risks of diseases and falls are increased.
The essential insurance to practice serenely
Multi-risk agricultural insurance: this insurance has been designed to meet the specific needs of farmers. It covers your crops against climatic risks, your buildings against damage and your valuable equipment. In addition, agricultural multi-risk covers your professional civil liability, in the event that you are liable for damage to a third party.
Agricultural tractor insurance: it is mandatory to take out at least civil liability insurance if you own a vehicle, tractors are no exception. But due to the cost of a tractor it is preferable to take out comprehensive insurance with an extension on all agricultural implements.
Business interruption insurance: if the business interruption guarantee is not included in your multi-risk contract, it is essential to subscribe to this contract which is intended to help you restart your activity as quickly as possible in the event of damage having serious consequences on your farm.
Personal insurance: due to the significant risks of illness and accident in the context of your professional activity, it is advisable to take out additional agricultural health insurance and, above all, insurance cover in the event of sick leave in order to receive a daily allowance. .
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