Gardeners Insurance

What is Gardeners Insurance?

Whether you’re a horticulturist, landscape gardener or carry out general garden maintenance, weeding and pruning, as a gardener you work with sharp implements and dangerous equipment, spend long days out in hostile conditions, and have to visit a variety of different locations. The Gallagher team will work with you to find appropriate landscape gardener’s insurance solution for your needs.

What to consider

Every gardening, landscaping and horticultural business is different. So every quotation will need to consider that. We’ll include public liability (PL) cover, helping to protect your business in case of injury to a customer or member of the public resulting from your work. PL cover is also important if you perform unsupervised subcontract work.

In most cases, Employers’ liability cover is legally required if you employ staff. We’ll also advise on optimum suitable level of cover for your essential and expensive tools and equipment, your plant and your vehicle(s). We can also make sure you have sufficient personal accident insurance in place to provide cover if injury or illness strike in this relatively risky field, and prevent you from working for a spell.

What your gardener’s insurance cover can include

• Public liability
• Employers’ liability
• Tools & equipment
• Vehicle cover – or fleet cover if you run three or more vehicles
• Contractor’s all risks cover
• Contract works
• Hired in plant
• Own plant
• Directors’ and officers’ policies – required if you operate as a limited company. This is important to help protect against claims made against you personally as a director or senior manager of the business.
• Personal accident insurance

How do I arrange Landscapers insurance?

It’s easy to arrange cover with us. Simply:

• Call us on 01625 400206 for immediate assistance.  We’re open Monday – Friday: 8:30am – 5:30pm
• Arrange a Request a Callback – and a member of our friendly team will give you a call at a time to suit you