| Insurance cover is something that all businesses need. | | | | Employers Liability Insurance is another cover that |
| This is no exception when it comes to Gardeners. | | | | you may need to have. It is a legal requirement in |
| Let's say you run a business as a self employed | | | | the UK because it covers you for injury or illness to |
| gardener. You should treat this business as any other | | | | your employees if your business is found to be |
| business, just because it is only you working for | | | | negligent. |
| yourself and just because you might only work part | | | | You can also take out tool and equipment insurance |
| time for example, doesn't mean you don't need to | | | | to protect your gardening equipment from damage |
| have insurance. | | | | or theft. Any loss of equipment could stop you from |
| The risks when you are working in garden | | | | trading and cause you to lose money which would be |
| maintenance can be large, let's say that you are | | | | problematic for your business. |
| working in a garden and you are using a hedge | | | | As a Gardener you could be doing a number of |
| trimmer to cut a hedge. You are probably confident | | | | different tasks from mowing lawns to felling trees, to |
| that you can use the trimmer properly, but accidents | | | | tidying up flower beds. No matter what you are |
| do happen and unexpected things occur. You | | | | doing, you need to be insured. You will usually be |
| probably don't need it pointed out to you that a | | | | working in other people's premises and this requires |
| hedge trimmer can be dangerous and could cause a | | | | your to be properly insured. |
| lot of damage. | | | | If you are a Tree Surgeon you should also cover |
| As a gardener the best type of insurance for you | | | | yourself for business insurance because you are |
| would be Public Liability Insurance. This would form | | | | working in dangerous situations where anything |
| the core part of your business insurance and would | | | | unexpected can happen. Working often at a height |
| include cover for things like injury or damage to | | | | with a chainsaw can be risky and you need to have |
| another person or their property. It's a cover that is | | | | insurance to cover you if an accident happens. |
| extremely important for Gardeners to have. | | | | |