Insurance for gardeners can cover your business from costly claims so you can focus on helping your enterprise to thrive
Every professional gardener knows how much hard graft goes into nurturing a young enterprise beyond green shoots and into a thriving business. There are all sorts of hazards to be aware of when you're working in a variety of locations and sites, from stepping on a misplaced rake and sustaining an embarrassing injury, to scenarios that are potentially a lot more harmful given the hazardous equipment gardeners often use in the line of their work.
Any gardener knows their work is seldom about popping in bedding plants and pruning; it generally involves a great deal of demanding physical work using potentially dangerous tools. Public liability insurance for gardeners is there to cover businesses from claims made by the public in the event of an injury or damage to property.
As well as public liability insurance for gardeners, other cover exists that can give you the security you need to operate with peace of mind.
Gardening tools such as lawn mowers, chainsaws and other power tools – as well as your more regular tools – can be expensive and hard to replace and if they are stolen, lost or damaged. So consider getting cover for your valuable tools and equipment.
Also, if you use a vehicle for your work then you'll need to insure it for business use, whether by getting van insurance [https://business-insurance.natwest.com/van-insurance] or adding business use to your current car policy. If you don't, your existing policy is unlikely to cover you.
And remember that if you employ anyone, you're legally required to have employers' liability insurance .
It's important to find cover that reflects the risks you face and responds to the changing nature of your business as it grows. NatWest's insurance for gardeners can support you whether you're a self-employed gardener working alone or employing a team that works on larger landscaping projects.
You want your business to flourish unhindered by the potential risks and hazards of the day-to-day and having the right cover in place offers prospective customers the reassurance they need to hire you.
For peace of mind so you can focus on helping your business grow, call us on 0800 051 4199 to discuss your requirements or find out more about public liability insurance here.
As a business bank, we work closely with a wide range of businesses. This helps us understand how you work and the challenges you face. So you can be sure we'll take the time to get to know your business, and try to provide the right level of cover.