Gardeners Insurance: What to include in the package…

Gardener’s Insurance is a necessary protection for professionals like landscape gardeners, maintenance gardeners, gardens mowers and many other freelancers.There are a number of risks involved in a gardener’s work and these mistakes could result in losing out way too much money from your pocket. So, the best thing to do is get gardeners insurance, which would pay out on your behalf in case there are legal claims made from you or in case you have to pay compensations to an injured client or employee.Your gardeners insurance must include public liability insurance. It will protect you in case of any property damage or an injury to third party whilst at work. For example, you unintentionally cut through a water pipe while tending to a flower bed and the resulting flood destroys the client completely. The client could not only ask you to pay compensation for the loss in the garden but also sue you for negligence at work. Such costs will be taken care of by your public liability insurance.

The other important policy to be included is tradesman employers liability insurance, if and only if you employ permanent/temporary staff to carry out work on your behalf.For gardeners, the tools they work with are very essential and thus it calls for the need of tools/equipment insurance to be included in your gardeners policy in case your tools are damaged or stolen.