You spend your day making everyone’s garden look beautiful but do ever take the time out to check your insurance policy and make sure you have covered everything you need? Here’s a few reasons why you need to keep your insurance up to date.
Equipment and tools: You probably have lots of valuable specialist equipment and tools that you rely on to do your work such as lawnmowers and chainsaws. What if some or all of your equipment was stolen, damaged or lost? How long could you survive without it? Your policy needs to be tailored to meet your timeframe – so if you need your equipment and tools replaced immediately, your policy needs to reflect this. If you couldn’t work without it, you may also want to consider some income protection cover.
Staff/volunteers: If something happens to your staff or volunteers while they are working with you, you are responsible. Employer’s liability insurance is a must if you don’t work alone so that you have cover if one of your team is injured or seeks compensation for damages.
Accidental injury/damage: What if someone is injured or some property is damaged while you are working? Even if you work alone there is always a chance that a member of the public or a customer falls on a piece of equipment you accidently left behind or a customer says you scraped their car when you were passing? While it’s not legally required for gardeners, unfortunately it is best if all businesses take out public liability cover in case someone takes a case against you for negligence or causing injury or damage.
Income protection: Most gardening companies are small and rely on key people. What if one of them was unwell for a period of time – would the business survive? If not, you may want to consider income protection cover to ensure that you continue to receive a minimum income. What if the person who is unwell is you? Your staff and family rely on your business for their income, so this makes it even more important to have the right cover.
So with so many things to consider, you might think that getting the right insurance is too complicated – but that’s where our specialist team at Property Insurance Centre comes in. We have helped many gardeners get the right cover at the best price and we are here to help. Just give us a call on 0800 085 3761 and let us sort your cover with the minimum of fuss.