Gardener Public Liability Insurance

If you interact with the public on a daily basis or your business activities are performed in a public area, you’ll need public liability cover. This could mean protecting your business against a claim from a client, a customer or another member of the public in the wrong place at the wrong time.

Make sure all the time and energy you have given to building up a successful gardening business is not undone through an administrative issue like insurance. Accidents happen in all industries, and for gardeners, working on uneven ground and sometimes in difficult conditions, the risks could not be greater. Any mishaps that cause personal injury or property damage can lead to a claim for compensation. If you are found legally liable, our Gardeners Public Liability Insurance will cover you against these claims from customers or other members of the public.

 
 
Gardener Public liability Insurance
Gardener
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Landscape Gardener Public liability Insurance
Landscape Gardener
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Whats the difference?

Gardener, if you are a gardener who's jobs include lawn mowing, hedge trimming, painting, garden maintenance and so on and you do not operate heavy equipment or build gardens then our Gardener Product is perfect for you.

Landscape Gardener, if you operate heavy machinery or build gardens such as digging ponds, laying decking, walls, paths and so on then our Landscape Gardener product will cover you for all your business needs.

 

Our low cost Public, Product and Employers liability insurance product has a number of great benefits that will cover you for;

  • Indemnity to principles and others
  • Single or Multiple Employee, full time, part time and clarical worker coverage
  • Employers liability up to £10m
  • Public and products liability between £1M to £5m
  • Personal Accident
  • Legal Expenses
Novas Insurance Review and Testimonial

I purchased my public and employers liability for my growing business, price was the cheapest I found and I liked the fact I received a price before having to complete the process.

Adam Evans, Bristol
5 star rating
Novas Review and Testimonial

Gardener Public Liability Insurance

What is Public Liability Insurance?

Whilst in many instances your business motor insurance policy will cover damage or injury to third parties whilst using the vehicle, there are many instances where your business will bring you into contact with the public outside the everyday use of the vehicle. For instance, whilst loading or unloading, making a delivery to premises and access by the public to your business premises.

In such circumstances, Public Liability cover will protect you against injury to persons or damage to property caused by you whilst carrying out your business activities. For example

  1. Bodily injury
  2. Damage to material property
  3. Trespass nuisance or obstruction
  4. Personal and advertising injury offences committed

Your Novas Public Liability policy will protect you against the costs of compensation to be paid out as well as the legal expenses incurred during the claims process.

When is public liability useful?

You will be covered under the following cases:

  1. A member of the public suffers injury after tripping over a box at the kerbside whilst you are unloading
  2. You cause damage to an office foyer carpet whilst delivering goods using a pallet truck

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

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Employers Liability for Gardener

What is employers liability insurance?

If you are unsure whether you are required to carry Employers’ Liability cover you should seek professional advice. Further information can be found at http://www.hse.gov.uk/pubns/hse40.pdf.

If you are an employer, you are legally obliged to have employers’ liability insurance. You can be fined up to £2,500 for every day you do not have appropriate insurance.

Employers’ liability insurance covers the cost of compensation and any associated legal fees.

Is it required as a contractor?

Some of the larger networks such as DHL, TNT and Parcelforce may require you to have this cover in place before you can commence work. You should seek advice on whether you need this cover with your employer.

How much employers liability cover do I need?

Under the terms of the Employers’ Liability (Compulsory Insurance) Act 1969 you are required to have a minimum indemnity limit of £5million, however at Novas Insurance we understand how important your employees are and we cover you for up to £10million as standard.

We will give you a quote in seconds using our quick quote feature and you can purchase in under 10 minutes:

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