Business insurance for Gardeners

Working as a gardener or a landscape gardener means that you are offering customers advice, handling dangerous equipment and working on the property of customers.

While the majority of your jobs will be smooth and trouble-free, occasionally there can be the odd incident that can cause problems for your customer. These problems could lead to injury or loss and this in turn gives them the right to make a claim against you.

If they make a claim against you for negligence, poor advice or injury then the financial implications of defending a claim are huge and they could ultimately put you out of business. To avoid this problem, business insurance is there to protect you so that the costs associated with all claims are handled efficiently and professionally without your business having to foot the costs.

Your customers rely on you to work professionally and they trust the advice that you offer them but sometimes it can lead to injury and losses and this can affect your customers both physically, mentally and financially.

Business Insurance for Gardeners and Landscape Gardeners

If you want to have confidence in your business and the way in which you work then you need to consider the risks and think about putting business insurance in place. The monthly costs are low and cover is created to suit your business needs.

Believing that you do not need insurance is the wrong way to think because a claim can be made against you at any time.

Our business insurance covers both professional indemnity insurance and public liability insurance. Both are there to protect you financially but they both have different purposes.

In your industry it is common for you to offer advice to clients on what would work for their garden and how they can make improvements. Offering advice comes with a risk because if you omit crucial information that leads to injury or financial losses then your business could be in trouble. If a claim is made, then choosing to have professional indemnity insurance will help to cover all costs. You could advise them on maybe removing heavy rocks before carrying out work which causes injury or you could say that they can do the groundwork themselves in preparation which could lead to them bursting a water pipe while digging. The possibilities are endless but the risk is always there.

Working on the property of your customers comes with its own risks and this is why our public liability insurance can make the difference. The equipment you use can cause serious damage and injury to your customers and their property. The risks involve customers being hit by debris while you are cutting a tree or you could damage a garden path with heavy equipment. They may seem like trivial and highly unlikely problems but they can occur and this could result in a claim being submitted in order to recoup losses or cover costs associated to injury.

Business insurance offers the following features:

• Costs are covered for both successful and unsuccessful claims
• Assessment takes place before payment is made
• It is a vital tool for your business
• Costs associated with defending claims and paying compensation are covered
• The needs of your business are considered when cover is put in place
• All costs associated with court appearances are dealt with
• Regardless of your budget, cover is available

What Are the Benefits?

Business insurance will offer you these benefits:

• You will be compliant with any legal requirements and regulations
• Cover will enable you to focus on your business
• Protects the finances of your business
• Should you require it, advice and representation is available
• Your business can act professionally and appear trustworthy with cover in place