At The Business Octopus, our tailored business insurance policies are designed to allow you to add, remove, increase or decrease all areas of the policy. You will be able to tailor your cheap gardeners insurance or landscapers insurance to the way you want it. All the essential cover you will need in one business insurance policy.
As a gardener, you spend your time looking after people’s gardens and this will subject you to many risks. There are conditions such as sharp tools for cutting grass and plants, chemicals and machinery which can pose a risk to you or a 3rd party. Gardeners insurance or Landscape insurance will help you if you are faced with a liability claim for damage to a garden or plants. Gardeners insurance will provide the financial protection you could need against possible risks that could damage your business profits.
Why do I need business insurance?
As an owner of a gardening business, you will need to have the right insurance package at the right cost for the right insurance cover. The Business Octopus will endeavour to put a tailored business insurance package together for your specific business. This can include:
Public Liability cover, as you will be working at 3rd party locations and working with the general public. Public Liability is required to cover you or your company should someone get hurt or damage is caused to a property whilst you are working. Levels of cover available is up to £5m.
Employers Liability cover is a legal obligation is you have employees with standard cover of £10m. As an employer, you will have a legal responsibility to ensure that you have provided safe and secure surroundings for your employees and any visitors to you business premises.
Tools cover will protect your tools of your trade and will cover for loss, damage or theft of your tools to a cost level you require.
Commercial Legal Expenses cover will help with legal costs in the event of any claim that is made against you or your business.
Contracts Works cover, which can also be known as Contractors All Risk insurance, is protection for the materials used. This type of insurance is needed if you are involved with extending, refurbishing or converting old or new buildings including the grounds of a building. You are responsible for the landscaping work until the project is finished and handed over therefore you are responsible for the costs of the work again should something happen beforehand.
Personal Accident cover will pay your business a weekly sum if you, or an insured employee are unable to work after an accident. This can also be used as an employee benefit.
How do I buy my Gardeners Business Insurance?
There are various options available to obtain a quotation and purchase your business insurance.
- Compare quotes online from up to 20 UK insurance providers
- Speak to one of our UK insurance specialists on 0161 968 2041 or request a call back
- Purchasing your insurance is easy with flexible payment options which can be discussed with your insurance specialist or with our new business team on 0161 968 2041
- You will receive same day immediate cover and your documents will be sent to you via email