Landscape Gardening Insurance

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Landscape Gardening Insurance for Small Businesses

If you are in the landscaping and gardening business, then you know how rewarding it is to create dream gardens for clients. Yet with those rewards comes plenty of responsibility working for clients and looking after their property.

Things don’t always go to plan, and any injuries or damage to property could end up costing you, interrupting the smooth running of your business. That’s why it’s worth considering landscape gardening insurance to protect you against unexpected costs when your landscaping and gardening work runs into difficulty.

A Gardeners’ insurance package can cover your landscaping company for a number of risks. With Aon you can select covers to help protect you from costs arising from injury caused by equipment, to damaged garden furniture, to lost or damaged tools.

In addition to gardeners' we can also arrange cover for landscapers and horticulturists. Speak with us to discover the right insurance to cover your business needs.

What does Landscape Gardening Insurance Cover?

Frequently Asked Questions about Landscape Gardening Insurance

What insurance do I need for my landscaping business?

Since landscape gardening encompasses a wide range of garden and landscaping tasks, you should consider insurance that can cover all aspects of the industry. Whether you’re working on a domestic garden project or large scale commercial landscaping, there are always hazards involved in gardening work.

Aon can arrange gardeners’ insurance and you can select a wide range of cover:

  • The policy includes public and product liability as core covers, that can help to protect against unexpected costs in the event of someone, such as a client or a member of the public, becoming injured as part of your work.
  • You can also include tools cover to protect your business if your tools or portable equipment are lost, stolen or damaged.
  • It’s worth considering employers' liability cover which is optional if you’re a sole trader but compulsory for most businesses if you have any employees. This can help protect you against compensation and legal costs if an employee is injured or becomes ill as a result of working for you.

With the right insurance in place, you can relax knowing your landscaping company is well protected.

What expenses does landscape gardening insurance cover?

When it comes to insurance for gardeners and landscapers, an important cover you may need is Public Liability to cover compensation claims if something goes wrong. As a landscaping company, you’ll be at risk for claims made based on damages caused to someone’s property while working on site. For example, if you’re moving a pot plant and you accidentally drop it, damaging the pot, legal action can prove very costly.

In addition, you could face expensive legal action if your landscape gardening work causes injury to any person nearby. This could include accidentally hitting someone behind you while distracted or a pedestrian tripping over a pile of bricks you left on the ground. Such compensation claims can leave you seriously out of pocket, and so you should consider public liability cover as part of your gardeners’ insurance.

Why would I need gardening and landscaping insurance if I work alone?

If you own a landscaping company, then there’ll always be a risk that an individual or their property could be accidentally damaged by your work. It can be easy to think that you’ll be on your own in the great outdoors with no one around to worry about. Yet, a member of the public could still end up tripping over a power cord extension. Alternatively, someone’s window could be shattered by a loose stone flung by your lawnmower.

Should anything happen as a result of your work, public liability cover can be an important component of protecting your gardening or landscaping business. Without it, you could end up paying huge fees that could leave you out of pocket, even bankrupting your business. So you should consider having gardening and landscaping insurance to provide you with the means to safely cover unexpected expenses.

What is employers’ liability cover for gardeners?

If your landscaping business employs other people, then for most businesses it’s your legal responsibility to apply for employers’ liability cover. Whether you have one or many employees, employers’ liability cover is necessary to avoid being fined £2,500 each day that you don’t have cover. There may be exceptions involved, for example, if you only employ family members.

Employers’ liability cover is designed to cover your business if you or an employee is injured or becomes ill as a result of work. Keep in mind that no matter how safe you try to make conditions, accidents will happen, and you’ll need cover to protect your business from unexpected claims.

Do gardeners need tools and equipment cover?

Tools you use for landscape gardening are invaluable as, without them, you can’t carry out your work. In the meantime, should your equipment be damaged or stolen, the cost of replacing them can be extremely expensive. Rather than be left with the choice of losing customers or losing money, equipment cover can help to cover the cost of replacements or repairs.

Speak with us today to ensure you find the right level of cover to meet the needs of your business.

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