Professional indemnity insurance for landscapers

From sizeable landscaping projects to the smaller gardens that need delicate care, you provide a highly specialised service – as well as expert advice – for your clients. Unfortunately, no matter how well-intentioned your help might be, you’re still vulnerable to accusations that your work has caused financial loss to a client.

Professional indemnity insurance can provide financial help if this happens. This type of landscaping business insurance can cover the cost of defending against claims – including any compensation or legal fees – as well as the cost of repairing any damage or treating any injuries.

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If a large part of your landscaping business involves designing gardens, you may find a more appropriate range of cover with Hiscox Garden Designer Insurance.

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Landscaping public liability insurance

As a landscaper working often in the outdoors, you may encounter members of the public on a regular basis. Adding public liability insurance to your landscaping business insurance policy can protect you if a member of the public accuses you or your business of damaging their property or causing them injury.

Public liability insurance for landscapers could cover you in situations such as: - If you accidentally cause damage to property: For example, if one of your employees uses the wrong chemical or fertiliser and causes irreparable damage to a plant or the grass. - If a member of the public gets hurt due to your business or your work: For example, if someone trips over one of your landscaping tools while you’re working in a public garden.

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Employers’ liability insurance for a landscaping business

If you employ one or more people in your landscaping business, you’re legally required to purchase employers’ liability insurance. This type of cover can provide compensation if an employee claims that working for you has caused them to fall ill or become injured.

Employers’ liability insurance could help cover any medical costs you might have to pay, as well as the costs of defending against and settling any legal cases. It’s important to note that employers’ liability insurance is only applicable to your employees, and does not protect you personally.

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Do I need both public liability + employers’ liability insurance?

You’re legally required to purchase employers’ liability insurance if you have people working for you at your business. The same is not true for public liability insurance, but it can be a useful cover to have if you regularly deal with the public. Getting both covers as part of your landscaping business insurance could prove crucial to fully protecting the health of your business.

Office insurance

If you proudly admit you have a favourite hedge trimmer and can’t imagine going into a new landscaping job without your best shears, our office contents policy could prove crucial to the smooth running of your landscape business.

Hiscox office insurance can protect home or office- based businesses against the cost of repairing or replacing any tools and equipment that get lost, damaged or stolen. You can also add a range of specialist covers to your landscaping business insurance policy, including:

  • Portable equipment: cover for any equipment you take outside of your business premises, including mobiles and laptops.
  • Business interruption: covers any financial losses you may face from being unable to work due to an unexpected interruption to your business.
  • Equipment breakdown: covers the cost of repairing or replacing any equipment and tools that have suffered a sudden electrical or mechanical breakdown.

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Cyber and data insurance

If you use computers to help run your landscaping business – whether that’s keeping track of accounts, planning and designing gardens, or for stock and employee records – you may need to guard against the risk of your computer or system becoming compromised.

Cyber and data insurance can provide compensation in the event of a hacker attack or data breach, and can provide financial assistance for any legal and recovery costs you may face in the event of an incident.

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Personal accident insurance

As the owner of a business, taking out personal accident insurance could prove invaluable to the health of the business. As part of your landscaping business insurance, this cover can provide financial assistance if you find yourself seriously ill or injured and unable to work.

Personal accident insurance can cover the cost of medical treatments, any lost income you may experience, and any other expenses such as training replacement staff. The financial help can be accessed in the form of a weekly pay-out or as a lump sum. This cover can also be used for a key member of staff, covering them in the same way should they fall seriously ill or suffer a serious injury.

More about Hiscox Personal Accident insurance

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Need more help? Speak to our UK-based experts. Call us on 0800 2800 351

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What is your profession?

Find out more about the range of insurance covers we offer to specific industries and professions in the list below: