A gardeners insurance package will provide you with the necessary financial cover should an unfortunate incident occur while youíre working. People take great pride and pleasure in their gardens but often lack the time and expertise to maintain them effectively. As a gardener, therefore, you provide an important and sought after service and will be expected to carry out your work to exacting standards. Your professional approach will mean that things wonít often go wrong. Accidents, however, can always happen and as your work will involve you working on the private property of your client itís a good idea to take out liability insurance. Should harm to a 3rd party or damage to their property result from an accident while youíre at work, it could be very expensive for you to defend yourself a claim of negligence. Find a gardeners insurance package through our site which will cover you in such cases.
Injury to members of the public or damage to their property is a common type of mishap in any trade. As a gardener youíll want to insure yourself against the potential costs incurred in such situations, so itís a good idea to consider taking out public liability insurance. This is available as standard with all of the gardeners insurance packages youíll find on our site and can be taken out up to the value of £10m. For your own peace of mind as you go about your work public liability insurance is invaluable: just click on ĎGet a Quoteí to find an insurance policy thatís right for you.
Itís important to remember that public liability insurance doesnít cover you if an employee of yours sustains injury or contracts illness as a result of working. If you own and/or run a small gardenerís business youíll need to know that it is legally compulsory for you to purchase employers liability insurance and that you could be fined up to £2,500 per day for not having it. This type of insurance provides you with cover should employee harm themselves as a result of carrying out gardening work for your business and take legal action against you. The resulting litigation costs could be damaging to you and your business. Building employers liability cover into your gardeners insurance package is therefore crucial in ensuring your peace of mind and providing you with the necessary financial support should an accident happen.