Gardeners Insurance - Public Liability Quotes

As a gardener, you’re used to the changing of the seasons and whether you’re pruning trees ahead of winter or mowing lawns over summer, there’s always something to do. Unfortunately, one thing that doesn’t change with the seasons is the need to protect your business with insurance.

 

While this might not appear obvious, we’ll show you why public liability insurance - as well as other types of insurance - might be worth considering.

What is Public Liability Insurance for gardeners?

Public liability insurance can cover you in the event that someone is injured or gets hurt as a result of your work. You might think there’s no chance of that, you’re working outside, what could go wrong? Well, while you’re right that the chances are probably small, accidents do unfortunately happen. A client tripping over your tools or leads, cutting themselves on something you left out for example.

If the worst happened, you could face compensation claims as well as expensive court fees. A policy can help ensure that you’re protected financially. For peace of mind, a public liability policy is well worth considering.

What is Employers’ Liability Cover for gardeners? 

While many gardeners work alone, if you do employ other people to help you, you must by law have employers’ liability insurance. The only exceptions are if you’re a sole trader or if the people employed are direct family members.

This cover protects you should an employee hurt themselves or become ill due to their work.

After you’ve taken out a policy, you need to keep up to date with health and safety at work regulations. If you don’t, it might invalidate your cover.

Do gardeners need tool and equipment cover?

If you use your own tools for gardening, you’ll know they don’t come cheap. If you have a mower, a strimmer, chainsaw or log splitter, to name but a few, the cost can go up appreciably.

If your tools are stolen, not only will you need to replace them, you may be unable to do the work in the meantime. Having cover for your equipment means you’ll be able to replace your tools quickly without having to spend heavily to replace them (bar any agreed excess).

Remember, if you carry your tools around in your own car or van, you need to make sure they’re covered in your van too – some policies may contain exclusions that mean you’re not protected. It’s worth checking and making sure your tools are covered.

How can I compare gardeners insurance?

Finding the right policy needn’t be time consuming – we’re here to make it quick and simple. Just provide us with some details about you, your business and the cover you need and we’ll do the rest. We’ll provide you with quotes from insurance providers. All you have to do is choose which policy to go for.

Try it today. See how much you could save on your gardener’s insurance policy with comparethemarket.com.

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