Gardening is a tough yet rewarding profession. Your service helps people to enjoy their garden without worrying about maintenance amidst their busy lifestyles. Without gardeners insurance however, you may leave yourself open to claims against you for damage, or injury, or any other unforeseen events.
Your policy can be tailored to your requirements so that you only pay for the cover you really need. Insurance for gardeners is designed to protect your livelihood against a number of eventualities that can lead to a financial loss.
Public liability cover is the starting point for your gardeners insurance, as it can safeguard against claims for accidental injury to any third party, or accidental damage to their property. For instance, if you accidentally knocked over an ornate bird bath, or a customer fell over your tools, public liability cover could take care of any compensation awarded as a result, as well as legal and medical costs incurred.
If you employ anyone to help you, you will need to ensure that you include employers' liability cover to your gardening insurance policy. This can protect you should your staff, during the course of their employment, accidentally injure themselves.
You may also wish to look at protecting your tools and equipment against damage or theft. You can protect a range of tools from lawn mowers to secateurs, to hired in plant and equipment. These can be included in the level of cover that is most suitable for you, and can also be extended to cover employees' tools as well.
Personal accident cover for business owners should be considered, to provide protection in the event that you injure yourself and are unable to work. For instance, if you cut your hand badly, you may struggle to fulfil your daily duties at work so this cover can provide a weekly benefit to tide you over while you get back to full health.
Commercial legal expenses can also be included within your gardener’s insurance policy to protect against tax and VAT disputes, damage to premises, personal injury and jury service allowance.
All these covers can be tailored to suit your needs and give you the protection you need for your livelihood to let you work without worry.
Gardeners insurance is suitable for freelance gardeners, landscape gardeners, and many other similar trades. If you are simply providing a grass cutting service, then this type of policy may also give you the cover you need.