Our gardeners and landscapers’ insurance policy is tailored specifically to meet the needs of gardeners or landscapers. Here are some of the key covers we offer:

Public liability insurance

Public liability insurance is there to protect you against claims of property damage or injury that might occur while you’re working. Perhaps you ruined a customers’ lawn after spilling a chemical on it, or a customer tripped over a power tool cable. Public liability insurance makes sure you’re not left to pick up the pieces, covering you against the legal costs and compensation claims associated with defending a claim.

Tools insurance

If your tools are stolen, lost or damaged, tools insurance will cover the cost to replace or repair these. As a gardener or landscaper, your tools are the difference to being able to do your job or not, so this cover is vital if you ever find yourself without your tools. You can choose between regular 8am-6pm cover or 24/7 cover to fit your needs.

Professional indemnity insurance

Sometimes, despite your best efforts, mistakes can still happen. Professional indemnity insurance protects you from claims of negligence or faulty work. Whether it’s a client alleging that you made a mistake or incorrect measurements on a design that leads to additional cost, professional indemnity coverage ensures you’re protected.

Employers’ liability insurance

If you have employees, employers’ liability is essential. This cover provides benefits to your employees if they are injured or become ill as a result of their work. It covers medical expenses, lost wages, and rehabilitation costs, ensuring your team is taken care of. In the UK this insurance is legally required, so it’s worth looking into this insurance.

Unless you are exempt from paying employers’ liability insurance, the Health and Safety Executive (HSE) can fine up to £2,500 a day for businesses who don’t have the necessary cover in place. You can also get fined if you fail to display your employers’ liability insurance certificate.

Legal expenses insurance

If you find yourself in a legal dispute, legal expenses insurance can help by covering your legal fees, court costs and other associated expenses such as the costs of hiring solicitors or experts, so you can focus on running your business. For example, if a customer refuses to pay you after doing a painting job, legal expense insurance can cover the cost of hiring a solicitor for legal advice on how to resolve the issue.

Occupational personal accident insurance

Occupational personal accident insurance offers weekly benefits for gardeners and landscapers if you get injured while on the job or travelling to and from work. Whether it’s a minor or major accident, this type of insurance has your back. It ensures you have the financial support you need during your recovery, so you can concentrate on getting better without stressing about lost income.