What kind of insurance does a landscaping company need?
There are a range of insurances that you will need to consider for your landscaping business. The main three are:
Landscapers liability insurances
Liability insurance for landscapers would typically include employers liability, public and products Liability, directors & officers liability and professional indemnity. These effectively provide legal and financial protection where a third party claims for injury, property damage, financial losses or breach of the statutory duties of a company director or professional services such as design, specifications or wider breaches in civil law.
Employers Liability insurance for landscapers
Even if you are a sole trader who occasionally takes on a cash in hand labourer, let alone managing a Limited Company with full time staff, you are required by law to have employers liability insurance in place. If an employee or temporary worker were to be injured, for example, employers liability insurance protects you from the costs of your legal defence as well as any compensation that is subsequently awarded.
Public Liability insurance for landscape gardeners
Working in a similar way to employers liability insurance, this protects you from claims made by members of the public and other third parties – for example your client. Given that working as a landscape gardener means you deal with members of the public and often on their property, public liability cover should be a serious consideration for any landscaper.
Professional indemnity insurance for landscapers
Landscapers will typically need to have Professional Indemnity insurance in place. You offer professional advice – be it about the right sort of fencing panels, designing an irrigation system or even recommending a type of plant or flora for a particular feature. Professional indemnity insurance for landscapers protects you when this professional advice is claimed to be wrong, unprofessional or in some way faulty.
Directors & Officers liability insurance for landscapers
The legal duties of directors of limited companies was established in the Companies Act 2006. Directors therefore need insurance that provides them with legal protection and cover where they can be sued for a breach in their duties. Company assets cannot be used to compensate a third party claimant, so we advise all company directors to protect their personal assets by ensuring they have directors & officers liability insurance in place.
Other types of insurance that a landscaper should consider:
There are a range of other covers that you may need to consider, depending on your particular circumstances. These may include:
- Property insurance for your office buildings, office equipment and stock.
- Tools insurance – especially when on site or in storage overnight.
- Hired and owned plant insurance for any larger equipment.
- Commercial vehicle and trailer cover.
- Personal accident cover – we can offer free personal accident insurance as part of your overall insurance package.
- Legal Expenses – access to legal advice and support when you need it.
- Cyber insurance – now the biggest cause of UK crime losses.
- Private medical insurance – healthcare when you need it.
It may also be that you need to address specific risks. Are you involved in tree felling or trench digging which require work at specific heights or depths? You will need cover that reflects how high or deep you work and what potentially hazardous activities you are involved in.
To get a professional assessment and advice on what covers you should consider to protect you and your business, give a member of our broking team a call today.
How much does landscaping business insurance cost?
At BJP Insurance, we can get a range of landscaping insurance quotes from leading providers. How much insurance for landscape gardeners cost will depend on your specific business requirements – the range of the covers that you need – as well as the indemnity limits (the maximum amount that the policy will pay out in a specific claim situation) for each of those cover types.
It is important that your insurance cover protects your assets and liabilities to ensure you can confidently develop and grow your business.
To get a quote that offers you the comprehensive insurance protection that you need, without paying for cover you don’t need, simply give us a call or fill out an enquiry form and we will call you.