When everything comes together working on a garden is an amazing and exciting thing to see, being in the outdoors watching all your hard work coming together to give nature a helping hand. You’ll often be working long hours, with your work changing season to season, one second you’ll need all the waterproof jackets you can get your hands on, then you’ll need all the suntan lotion you can afford.
From strenuous labour to expensive equipment and sharp tools, the job can be extremely risky and very costly if you don’t have the right kind of insurance. You can be cutting grass over summer, then pruning trees for the winter months. It’s a versatile career. You’ll want cover that suits the kind of work you do, in case something does go wrong causing your business a financial loss.
At constructaquote.com, we’re here to help you choose the type of insurance you want for your business needs.
Why choose us for your gardeners' insurance?
- We specialise in liability insurance for hundreds of trades and professions, including gardeners
- We understand the types of risk your business faces and are able to offer assistance in helping you find the appropriate cover for your enterprise
- Established in 1990, we have arranged insurance for hundreds of thousands of customers
- Get an insurance quote online for your business in just three minutes
What does gardener’s insurance cover?
To briefly go over what we can cover for gardener’s insurance, we can help you find a policy that includes public liability, professional indemnity, employers’ liability as well as contractors all risk insurance.
What do these each in turn offer for your business?
Different types of insurance will offer a different element of cover for your business, such as protecting you from third party claims from the public, claims from a customer against the standard of your work, claims from an employee that you have as well as cover for tools that you work with.
Public liability insurance
As a business owner, it is your duty to make sure that in the course of carrying our work your actions are not responsible for causing an injury or property damage to a third party such as your customer, neighbour or member of the general public.
If you are held liable for the injury or damaged caused the compensation you are ordered to pay may be very steep indeed. That is one of the reasons why public liability insurance typically provides at least £1 million of cover.
Professional indemnity insurance
Professional indemnity insurance can be a key cover element for lots of businesses. In its simplest form, professional indemnity insurance offers cover to your business in the event that a customer brings a claim against your business due to a service you provided or recommendation that caused them a financial loss.
Employers’ liability insurance
Employers' liability insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you. The law requires all businesses to obtain a minimum of £5 million cover to meet claims by an employee who may have to claim against you.
If you fail to obtain this, the law can fine you up to £2,500 for every day you fail to obtain this cover. You must also display in your business premises the insurance certificate and failure to do so may incur a fine of up to £1,000.
Contractors all risk insurance
When working on a range of different construction sites, each site brings a new element of risks and dangers to your line of work. With contractors all risk insurance, you can obtain a single policy that provides comprehensive cover for the contract works, tools, plant and equipment, temporary buildings and architect drawings. Depending on the policy you obtain, you can even obtain cover for completed works, demolition, engineers in the event of a repair, and additional extras.
Looking for just goods in transit & tools insurance?
At constructaquote.com, our aim is to provide you with the insurance you want. If you’re after covering the cost of your goods while they are being transported, as well as the tools that you have. Check out our goods in transit & tools insurance.