Landscape Gardeners’ Insurance

No two jobs are exactly the same for any landscape gardener – you may be working on a small domestic project or a large-scale commercial contract. However, whatever the nature of the job, there are some ever-present hazards which means it’s always worth taking out landscape gardeners’ insurance.

Landscape Gardeners’ Insurance Hertfordshire

Many tools are heavy or have sharp edges so unfortunately there is always the chance of a personal injury, no matter how much care you take. Some weather conditions can create additional problems – for instance, heavy rain can mean you have to work on wet or slippery surfaces.

Scaffolders' Liability Insurance Quote

And it’s not just the garden you are working in that can create risks. Overhanging branches can fall in the wrong place when you cut them, either into the street or on a neighbouring property. The risks are increased if you have a contract to maintain areas where members of the public visit, such as parks and open gardens. So your policy should include an element of public liability insurance to guard against a neighbour or a member of the public making a claim against you.

The modern-day landscape gardener also uses far more than just a fork and spade. Items such as lawn mowers, chainsaws and laser measuring devices are highly specialised and expensive items of equipment, whether you own them or hire them in. Having them stolen or damaged is something you can ill afford – and it’s important to make sure you are adequately insured.

If you employ anyone, either directly or as a sub-contractor, you must take out employer’s liability insurance. This will ensure you are covered if they suffer any work-related injuries.

At Clover Insurance, our standard landscape gardeners’ insurance policy includes third party cover which provides protection if any member of the public makes a claim against you. Our policies can also include:

  • Employer’s liability insurance
  • You or your employees’ tools
  • Plant (including hired-in equipment)
  • Any contract works
  • A public liability excess layer
  • Any commercial legal expenses arising from a claim.

If you use Clover Insurance for your landscape gardeners’ insurance, then you will get a quote which is tailored to the needs of your business and won’t be available on any of the major comparison websites. We also pride ourselves on our excellent customer service and will be happy to act for you if you ever need to make a claim.

We offer landscape gardeners’ insurance in St Albans, Cheshunt and across Hertfordshire and North London. If you are interested and would like to receive your free, no-obligation quote, just follow this link or call us on 020 8805 1121.

Scaffolders' Liability Insurance Quote