Insurance for landscape gardeners
No two jobs are the same for a landscape gardener – from small residential gardens to large-scale commercial landscaping, insurance helps to take away the stress when the unexpected happens. Mistakes come up, clients change their minds and there’s always the risks of damaged property or an injury that stops you from working. Business insurance for landscape gardeners can help you to get on with your work, knowing you’re covered.
Why you need business insurance as a landscape gardener
A falling branch
If you’re working on a residential street and an employee cuts a branch that falls and hits you, it could mean a stay in hospital and the need to stop work for a while, with the lost earnings that entails. Personal accident cover from Hiscox provides you with a lump sum to ensure you can pay the bills and keep the business running.
A neighbour’s property is damaged
While undertaking weed control one of your employees sprays chemicals onto a neighbouring piece of land, damaging plants and grass. Holding you responsible, you’re now facing a legal claim for damages and costs. Public liability insurance for gardeners covers the legal costs and a settlement.
Laser measurement break-down
Ensuring your landscaping work is accurate is important to you. When your laser measuring device is accidentally broken you need it replaced quickly. Portable accident equipment insurance avoids a costly bill and lost work time. Business insurance for landscape gardeners ensures you’re covered at all times.
If you’re not sure what you need, tell us a little more about your landscape gardening business. We’ll help you to build your quote and explore any other insurance needs.
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Key types of insurance for landscape gardeners
Public liability insurance
Whether you’re working in a large public park surrounded by people or you’re making changes to a small private garden, you’re still working around people. Public liability insurance ensures you’re covered if someone claims they’re injured or their property is damaged because of you, your employees or your services. Your business insurance for landscape gardeners will pay compensation on your behalf as well as the legal costs of defending the claim.
Personal accident insurance
What would you do if you couldn’t work as a result of an injury? Personal accident insurance is there to protect you when the unforeseen happens and you need to take an unexpected break. Whether you need to stay in hospital or you just can’t physically can’t work at your normal pace, it provides a weekly pay-out and can also cover the cost of support staff. It’s another essential part of business insurance for landscape gardeners.
Portable equipment insurance
You job is all about your skills, knowledge and experience, but you also rely on the tools of your trade every day, so what happens if they’re damaged or stolen? Whether they’re owned or hired, with portable equipment insurance cover as part of your business insurance for landscape gardeners policy from Hiscox, you can make sure your vital equipment is covered against the unexpected, so you can get back to the job in hand.
These are just some of the types of business insurance for landscape gardeners that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
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