As a gardener, you’re used to the changing of the seasons – whether that means you’re pruning trees ahead of winter or mowing lawns over summer. But one thing that never changes is the need to protect your business with the right insurance cover.
You need to make sure you protect your gardening business with the right insurance cover. This could include:
Public liability insurance
Employers' liability insurance
Commercial van insurance
Levels of self-employment have been growing at a faster rate than total employment in the UK, meaning there are more of you than ever working for yourselves. If you're self-employed it may be worth considering taking out the following types of cover to protect your income or business if something happens to you:
Income protection insurance
Critical illness insurance
Business Life Insurance
Public liability insurance can cover you if someone is injured or someone else's property gets damaged as a result of you carrying out your work. It isn’t a legal requirement for gardeners, but it could help if you face compensation claims and legal costs.
If you're a gardener you might think there’s no chance of any accidents or property damage occurring when you’re working outside on your own. But what would happen if a member of the public tripped over equipment you’d left on a pavement, or a client's car got damaged while you were strimming? You need to make sure that you have the means to pay for a claim without bankrupting your business, and this is where public liability insurance can be invaluable.
While many gardeners work alone, if you do employ other people to help you, it's a legal requirement to have employers’ liability insurance, even if you just have one employee who works part time. If you don't have it when you should, you can be fined £2,500 each day you’re without the proper cover. One exception is if the people employed are direct family members. Another exception can be if your employee works from abroad which may seem unlikely if you're a gardener, but you might employ a remote-working accountant, for example. Employers’ liability cover protects you if an employee hurts themselves or becomes ill due to carrying out work for you. After you’ve taken out a policy, you need to make sure that you keep up to date with health and safety at work regulations – if you don’t, it might invalidate your cover. The Labour Force Survey for 2014/15-2016/17 reported that in the UK 64,000 people suffer from non-fatal injuries at work per year. So as much as you try and create safe conditions for your employees, the fact is that sometimes accidents happen.
Your van is likely to be crucial to your gardening business, so think carefully when you choose your van insurance policy. You may be tempted to go for the cheapest third party cover, but could your business continue without your van? Also look at possible add-ons to your policy, such as contents cover for your tools and equipment.
Gardening tools don’t come cheap. The costs of replacing a mower, chainsaw or strimmer if they were damaged or stolen could be extremely high. If your tools are stolen, not only will you need to replace them, you may be unable to do your work in the meantime – so you won't be earning money and may even lose clients. 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 policy excess). Remember, if you carry your tools around in your own car or van, you need to make sure they’re covered there too – some van insurance policies may contain exclusions that mean you’re not protected. So it’s worth checking your policy and making sure your tools are covered at all times.
We'll help you find the right gardener's public liability or other business insurance quickly, so you can spend more time outside doing what you do best. Just provide us with some details about you, your business and the cover you need and we’ll do the rest. We’ll show you quotes from a range of trusted insurance providers in seconds, and you choose the policy that's right for you. See how much you could save on your gardener’s insurance policy with Compare the Market
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