A rigging point gives way and a section of trunk comes down through a client's carport. A felled gum lands a metre further than planned and flattens the neighbour's fence. The stump grinder catches a water pipe nobody knew was there. The first question most tree businesses ask is simple: Will my public liability cover this? The short answer is usually yes, but not always. Public liability is built for exactly these situations, yet tree work runs into more exclusions and condi