In your work as a gardener, you can be found compost-deep in flowerbeds, ladder-high trimming hedges or wheelbarrow-full with pots and cuttings – all in the same day.
While you take great pride in what you do, accidents can happen, and you may face expenses that could prove devastating to your business.
Purchasing comprehensive gardener’s insurance can help cover these unexpected costs so you can continue to watch your business grow, rain or shine.
Self-employed gardener insurance
If you work for yourself, comprehensive self-employed gardener insurance could be crucial for the health of your business. A bespoke insurance policy can provide financial assistance in the event of an unforeseen incident, providing protection against claims from customers and members of the public, and against accidents and malicious acts.
Professional indemnity insurance for gardeners
Alongside the hands-on elements of professional gardening, your job may also require you to advise customers on how they can get the most from their gardens themselves. Unfortunately, however well-intentioned your help and advice might be, there is still the risk that your customers might hold you liable if things go wrong.
Professional indemnity insurance can cover the cost of defending against claims of this nature, including compensation and legal fees, and the cost of repairing any damage or treating injuries.
More about Hiscox Professional Indemnity Insurance
If your gardening business involves designing and sourcing supplies for your customers’ gardens, you may also be interested in garden designer insurance to fully cover all the risks your business might face.
Public liability insurance for gardeners
No matter how careful you are, working around members of the public can leave you vulnerable to claims that your business has caused them to become injured or caused their property to become damaged. For example, a member of the public may blame you if they injure themselves on equipment you’ve left lying on the grass, or if you accidentally damage their garden ornaments when doing work for a customer.
Public liability insurance for gardeners can cover the cost of compensation if a claim is brought against you, as well as cover the cost of defending and settling legal fees.
More about Hiscox Public Liability Insurance
Employers’ liability insurance for gardeners
If you employ one or more people at your gardening business, you’re legally required to purchase employers’ liability insurance. This type of liability insurance for gardeners can provide financial assistance in the event that an employee makes a claim against their business.
If an employee claims to have become injured or fallen ill during the course of working for you, employers’ liability insurance can prove invaluable to help cover any legal and medical costs you might have to pay.
More about Hiscox Employers’ liability insurance
Do I need both public liability + employers’ liability insurance?
While employers’ liability insurance is a legal requirement if you have people working for you at your gardening business, public liability insurance is not. However, as a business that regularly deals with the public, public liability insurance could prove crucial to keep your business going in the event of a claim.
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Cyber and data insurance
During the course of running your gardener business, you may use a computer to keep track of your accounts, stock and employee records. If so, there’s always the risk that your computer and systems might be the target of a cyber attack or data breach.
Cyber and data insurance can prove invaluable in these situations, as this kind of gardener insurance can provide financial assistance in any legal and recovery costs you may face in the event of an incident.
More about Hiscox Cyber Insurance
Your tools and equipment are a crucial part of running your business seamlessly. Our office contents policy can protect home or office-based businesses against the cost of repairing or replacing those important items if they get lost, damaged or stolen. You can also purchase a range of specialist covers to your gardening business insurance policy, such as:
- Tool cover: cover for equipment used for your business, such as chainsaws and hedge trimmers.
- Portable equipment: cover for any equipment you take outside of your business premises, including mobiles, GPS trackers and laptops.
- Business interruption: cover for any financial losses you may experience if you’re unable to trade because of an unexpected interruption.
- Equipment breakdown: cover for the sudden electrical or mechanical breakdown of the equipment you use in your business.
It’s also worth noting that if you use a vehicle for your work, you’ll need van insurance to insure it for business use.
More about Hiscox Office Insurance
Tailor your business insurance quote
- Award-winning claims service
- Immediate coverage and documentation
- No admin fees if you amend your policy
Need more help? Speak to our UK-based experts. Call us on 0800 2800 351
Mon - Fri, 8am - 7pm, Sat, 9am to 2pm, excluding bank holidays. Calls are free from a landline and some mobile contracts
What is your profession?
Find out more about the range of insurance covers we offer to specific industries and professions in the list below: