Insurance for Gardeners

Public Liability is perhaps the most common policy that gardening professionals buy. A policy is often required to enter work sites or a client’s property. It may also be necessary to lease commercial warehouse or storage space for your equipment and supplies. 

Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity. 

Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. 

Portable Equipment is an optional cover available through most Business Insurance Packs*. You can bundle cover for your tools with Public Liability insurance, Business Interruption*, and other protections for your business property and assets. 

Injuries are common when you perform physical labour, but a serious one could leave you unable to work for days, weeks, or even longer. Personal Accident and Illness insurance provides a weekly income benefit following an accidental injury or illness once signed off from work by a medical practitioner for a set amount of time. A policy can also provide benefits if you become permanently disabled or pass away due to injury. 

If you are a sole trader or independent gardening contractor, workers’ compensation may not cover you. A Personal Accident and Illness policy helps you continue to pay the bills while you’re unable to work.