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  • FIRST POST
    • Fingerbobs
    • By Fingerbobs 12th Jun 17, 5:10 PM
    • 323Posts
    • 70Thanks
    Fingerbobs
    Gardener's Insurance
    • #1
    • 12th Jun 17, 5:10 PM
    Gardener's Insurance 12th Jun 17 at 5:10 PM
    Hi all.

    I am planning to hire a local gardener to butcher a large Laurel hedge on the boundary of my property, facing a public footpath.

    As the hedge in question forms the boundary between my property and land owned by the council, the gardener will necessarily have to carry out part of the work from the council's land, the public footpath.

    Is there any particular type of insurance I should check the gardener holds before employing them to do the work?

    Thanks.
    Last edited by Fingerbobs; 12-06-2017 at 5:10 PM. Reason: fixed messed-up formatting
Page 1
    • paddyandstumpy
    • By paddyandstumpy 12th Jun 17, 6:34 PM
    • 703 Posts
    • 270 Thanks
    paddyandstumpy
    • #2
    • 12th Jun 17, 6:34 PM
    • #2
    • 12th Jun 17, 6:34 PM
    Public liability insurance.
    • Quentin
    • By Quentin 12th Jun 17, 6:54 PM
    • 32,026 Posts
    • 16,101 Thanks
    Quentin
    • #3
    • 12th Jun 17, 6:54 PM
    • #3
    • 12th Jun 17, 6:54 PM
    The only legal requirement is employers liability (not necessary if it's a one man band)
    • Fingerbobs
    • By Fingerbobs 12th Jun 17, 7:49 PM
    • 323 Posts
    • 70 Thanks
    Fingerbobs
    • #4
    • 12th Jun 17, 7:49 PM
    • #4
    • 12th Jun 17, 7:49 PM
    Thanks both. So for a one-man band, is it just Public Liability Insurance?

    I'm not so concerned about legal minimums, but what would it be advisable to have?
    • Quentin
    • By Quentin 12th Jun 17, 8:03 PM
    • 32,026 Posts
    • 16,101 Thanks
    Quentin
    • #5
    • 12th Jun 17, 8:03 PM
    • #5
    • 12th Jun 17, 8:03 PM
    You could insist on Public Liability, though your one man band may have bought a gardeners package which includes public liability/tools/professional indemnity but with self employed one man bands it's difficult to get confirmation that any claimed "fully insured" status actually exists.


    (short of getting a copy of the certificate and then somehow getting confirmation from the insurer that the policy is still alive)
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