Public Liability Insurance for Gardeners

Why Gardeners need liability insurance

Keeping customers outdoor areas tidy and beautiful is hard work but rewarding, however, an unexpected incident could stop you fulfilling your passion for plants and flowers and cause financial hardship. For this reason, public liability insurance is the first point of call.

It gives you comfort in the knowledge that you are protected from any sudden claims that may take place, which could cause money troubles for you. Public liability insurance for gardeners is not a compulsory cover, but extremely important if you would like to continue your career working outdoors in the fresh air.

Common types of claims

• Strimming a customers grass, a stone flicks up, smashing a window for which you are deemed liable
• During some landscaping, you drop an expensive pot on the floor, causing it to smash
• You leave a rake on the floor and a member of the public trips and injures themselves

This cover is optional but Ashburnham recommends that you certainly consider having it. Furthermore, if you hire valuable equipment, you may wish to consider Plant Cover to provide compensation in the event of them being stolen.

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