Gardeners Insurance
Working as a gardener, you probably have very little desire to spend time worrying about paperwork, otherwise you’d have chosen a different profession! However, as well as taking care of your legal duties, an insurance package for your gardening business may help you to create a solid working foundation that will stand you in good stead for future successes.
Many gardeners work on their own, but if you employ any helpers for your business you need to get yourself covered with employers’ liability insurance. If you use a van or other vehicle to transport your gardening supplies and equipment, and indeed yourself, to and from jobs, your vehicles legally need to be covered with motor insurance.
Some gardeners use business premises to work out of as a base. If this applies to you, a buildings and contents policy may act as an effective measure in protecting your livelihood, especially if it has been designed specifically to include your gardening tools, machinery and any stock of materials you keep.
The last thing anyone wants to think about is getting sued, especially if you’re just starting out in business. However, the reality today is that, no matter how diligent you are and how hard you try to do a good job, you may end up in the situation where someone is taking legal action against you, for example a client or customer whose property has been damaged. You can help to protect yourself from the unexpected and quite considerable expense of this using public liability insurance.
