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Gardeners' public liability insurance
Protect your gardening business from costly claims and legal fees
Build client trust and meet contract requirements with the right coverage
Get a fast, competitive quote tailored to your needs
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What is gardeners public liability insurance?
If you’re a professional gardener, public liability insurance is a type of coverage that protects you against claims made by third parties. These claims can arise due to injury or property damage caused during gardening work. This insurance covers legal fees and compensation costs if, for instance, a client trips over gardening equipment or if you accidentally break a client’s conservatory window.
This coverage is an essential safeguard for self-employed gardeners and landscaping businesses. By having public liability insurance, you can work with confidence. You know you’re protected from potential costly claims that could impact business operations and your livelihood.
What's covered by gardeners' public liability insurance?
Gardeners’ public liability insurance covers two main aspects: injury to third parties and property damage caused by your work.
If a member of the public is injured due to your gardening activities, for instance, if they trip over your equipment, this insurance takes care of legal fees and compensation costs. Public liability insurance also protects against claims for accidental damage to a client’s property, such as breaking a window or damaging a fence while trimming hedges.
This coverage protects you against unexpected incidents, the types that could lead to significant financial strain.
Importance of public liability insurance for gardeners
Financial security
Protects your business from financial losses due to claims. You don’t have to cover expensive compensation or legal fees out of pocket, which could be financially devastating.
Client trust
Insurance demonstrates professionalism and responsibility. It helps build trust with clients who feel reassured knowing your gardening business is covered in case of accidents or damage.
Compliance with contracts
Many clients or organisations require proof of public liability insurance before hiring a gardener. It’s essential for securing larger contracts and business opportunities.
Accidental protection
With the risk of accidents always present in gardening work, coverage means you’re prepared for the unexpected. You can better focus on your job without constant worry.
Protection against property damage
Accidental property damage is a common risk in gardening. Public liability insurance covers you if an accident occurs, preventing damage claims from impacting your business.
Peace of mind
The knowledge of having insurance in place allows you to concentrate on delivering high-quality gardening services, all without the stress of potential legal and financial repercussions.
Additional insurance coverage for gardeners
Alongside public liability insurance, gardeners should consider additional coverage to protect against other risks. Tools and equipment insurance covers the loss, theft, or damage of essential gardening tools, for instance.
What if you’re injured and unable to work? Personal accident insurance supplies financial support to cover medical expenses and lost income. If you employ staff, employer’s liability insurance is legally required and protects against claims for work-related injuries or illnesses.
Unsure of how much coverage you need? Contact Radius today to get the right insurance package for your gardening company.
Why you should choose Radius for you public liability insurance
Selecting the right insurance provider is simplified with Radius. We work with a panel of 120 insurers to find personalised coverage that meets your gardening business needs. With gardener public liability insurance, our experienced team conducts a thorough assessment of your company and supplies you with multiple quotes to secure the best value.
By comparing coverage options and understanding your unique requirements, there’s nothing to worry about. We secure comprehensive, cost-effective protection. With Radius by your side, you gain the confidence your insurance needs are fully covered at the best price.
Frequently asked questions
Can’t find an answer to your question? Talk to the Radius customer support team on 0114 261 2020. We’re here to help you with any questions or concerns you may have.
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UK Fuels, Joseph W Burley and Partners and Milestone Insurance Consultants are owned by Radius Limited, with registered company number 08260702. Registered address: Eurocard Centre, Herald Park, Herald Drive, Crewe, Cheshire, CW1 6EG. Radius Insurance Solutions is a trading name of Joseph W. Burley & Partners (UK) Limited (registered company number 3668469 and FCA reference number 300425) and Milestone Insurance Consultants Limited (registered company number 04587285 and FCA reference number 307191). Authorised and regulated by the Financial Conduct Authority.