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GARDENERS INSURANCE: If You Want Your Business To Keep Growing, You Need To Protect It

Working as a gardener, or running a small gardening business, you may be wondering why you'd need gardeners insurance. After all, what could go wrong?

Quite a lot, as it happens.

The point is, you're working on someone else's property. And that makes you potentially liable for any damage you might cause. Even if it's not your fault.

Imagine that you break a valuable garden ornament while mowing the lawn. Or you rupture a water pipe while digging. Or a customer injures herself by stepping on a rake you've left lying on the grass.

Incidents like these could easily lead to a claim being made against you - particularly in these days of 'no win, no fee' legal services. And without gardener insurance - specifically gardener insurance that includes public liability cover - you could be faced with a compensation payment which, together with the legal bills, could ruin everything you've worked so hard to build up.

There are other things that can go wrong too. Gardeners use a lot of different tools -mowers, hedge trimmers, spades, shears - and tools have a habit of getting damaged, lost or stolen at just the wrong time. If your gardeners insurance includes tools and equipment cover, you'll be able to replace what you need when you need it without having to worry about an expense you hadn't planned for.

And there's one other type of cover you need to think about. If you employ any staff - even casual labour - you're required by law to have employers' liability insurance.

In short, if you want your business to keep growing, you need to insure it. Just follow the link to get the insurance for gardeners that's right for you.

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Our gardener insurance package offers comprehensive protection to UK landscape gardeners, maintenance gardeners & garden mowers.
We insure both self employed individuals and contract gardening firms. With premiums starting from as little as £40 per annum why not see how much money we can save you? To get your

cheap gardener insurance quote

please click here. 

Insurance for gardeners

is essential because by working in customers gardeners, you are exposed to a number of risks. Having a policy in place protects you against damages that might arise out of accidents or mistakes. For example, if you damage a customers property, by knocking over a statue whilst cutting a lawn, or cut through a water pipe whilst tending to a flower bed our public liability insurance for gardeners will cover any compensation payments and legal fees. You can choose from three levels of public liability cover from minimum £1,000,000 to maximum £5,000,000.

If you have employee's or hire casual labour from time to time you will also need employers liability insurance for gardeners. It is legal requirement that any business's that employs staff (full time or sub-contract) has minimum £5,000,000 employers liability cover. This provides cover against the possibility of that one of your employees fall ill, gets injured or dies whilst working for you. Employers liability claims are normally very expensive so it pays to have adequate protection. Our gardener insurance provides up to £10,000,000 EL cover.

Of course, all gardeners carry a variety of tools and equipment like hedge trimmers, mowers, forks, cutters etc. Without these tools it would be impossible for your business to function. If your tools are damaged or stolen our tools / equipment insurance for gardeners will cover replacement costs, (up to maximim £5,000) thereby minimising downtime.

All our

gardeners liability insurance

products are underwritten by Brit Insurance, one of the UK's top insurers, providing the best possible protection. If you require further information on our gardener insurance service or help with a quote please contact our customer services team on 03333 211403.

30-Sep-2010 Category: Article, Insurance for Gardeners by Gardeners Insurance Brokers

GARDENERS INSURANCE: Everything May Be Coming Up Roses At The Moment...

 Even if everything in the garden is coming up roses and you have a full order book of work from already contented customers - in fact, particularly if you have a full order book of work from already contented customers - you need gardeners insurance.

Because the busier you are, the more tempted you’ll be to cut the odd corner. And that’s when accidents happen.

You’re not as careful as you might be whilst digging a trench and you rupture a mains water pipe. You’ll be responsible for all the associated repair costs.
You’re not as conscientious as you might be about fixing a loose slab in a path and a customer breaks her ankle tripping over it. You could find yourself on the wrong end of a substantial claim for compensation.

You’re not as alert as you should be to a trainee assistant who cuts himself badly whilst cleaning a lawnmower. You could be sued.

It only takes a single incident like any of the above and, suddenly, everything you’ve been working for could be put at risk. Forget the plans for expansion, the new kitchen, the dream holiday. You’ll be struggling to find the money to meet the terms of a court order and pay the lawyers’ bills.

Unless, of course, you have proper gardener insurance which includes public liability and employers’ liability. Because then you’ll be covered for all those unexpected costs that could, quite literally, put you out of business.

(And don’t forget that if you do employ anyone - even on a casual basis - and you don’t have employers’ liability insurance, you could also be in breach of the law and liable for a hefty fine.)

The best news is that the peace of mind that gardeners insurance offers doesn’t have to be expensive. As you’ll discover if you follow the link to find the insurance for gardeners that’s right for you and your business.

26-Sep-2010 Category: Article, Gardening Insurance by Gardeners Insurance Brokers