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  • FIRST POST
    • sprucegs
    • By sprucegs 11th Sep 17, 12:39 PM
    • 38Posts
    • 3Thanks
    sprucegs
    Public liability for a gardener
    • #1
    • 11th Sep 17, 12:39 PM
    Public liability for a gardener 11th Sep 17 at 12:39 PM
    I'm starting a gardening business, grasscuts, weeding, hedge cutting.
    I'm unsure how much cover i should get...1 million, 2 or 5?
    Anyone advise? The price difference is a fair bit.
Page 1
    • paddyandstumpy
    • By paddyandstumpy 11th Sep 17, 12:52 PM
    • 945 Posts
    • 426 Thanks
    paddyandstumpy
    • #2
    • 11th Sep 17, 12:52 PM
    • #2
    • 11th Sep 17, 12:52 PM
    Think about what you're going to be working on, what's the worst that can happen?
    That determines the exposure therefore what level of cover you need.
    • sprucegs
    • By sprucegs 11th Sep 17, 1:12 PM
    • 38 Posts
    • 3 Thanks
    sprucegs
    • #3
    • 11th Sep 17, 1:12 PM
    • #3
    • 11th Sep 17, 1:12 PM
    Domestic gardens, grass cutting and weeding mostly. So nothing that can do huge damage I don't think
    • Andy L
    • By Andy L 11th Sep 17, 1:26 PM
    • 8,716 Posts
    • 7,099 Thanks
    Andy L
    • #4
    • 11th Sep 17, 1:26 PM
    • #4
    • 11th Sep 17, 1:26 PM
    Domestic gardens, grass cutting and weeding mostly. So nothing that can do huge damage I don't think
    Originally posted by sprucegs
    Elec/Petrol lawnmover: low chance, but potential to kill/cause house fire
    • Robin9
    • By Robin9 11th Sep 17, 1:32 PM
    • 2,114 Posts
    • 1,352 Thanks
    Robin9
    • #5
    • 11th Sep 17, 1:32 PM
    • #5
    • 11th Sep 17, 1:32 PM
    Electricity cables, water, telephone


    Hit a water pipe and flood a couple of houses ?
    Never pay on an estimated bill
    • sprucegs
    • By sprucegs 11th Sep 17, 1:39 PM
    • 38 Posts
    • 3 Thanks
    sprucegs
    • #6
    • 11th Sep 17, 1:39 PM
    • #6
    • 11th Sep 17, 1:39 PM
    Possibly, although I won't be digging much, just general tidying using a fork mainly. My mower is petrol and won't in anyway be connected to the customers house unlike an electric one.
    • Barny1979
    • By Barny1979 11th Sep 17, 1:45 PM
    • 3,906 Posts
    • 44,106 Thanks
    Barny1979
    • #7
    • 11th Sep 17, 1:45 PM
    • #7
    • 11th Sep 17, 1:45 PM
    For the relatively small cost, I would invest in the insurance, potential flooding, hitting service cables, cracking pipes etc, not worth not having a decent level of cover.
    • ashburnham
    • By ashburnham 12th Sep 17, 10:59 AM
    • 39 Posts
    • 10 Thanks
    ashburnham
    • #8
    • 12th Sep 17, 10:59 AM
    • #8
    • 12th Sep 17, 10:59 AM
    I've just had a look at Gardener's Public Liability Insurance premiums and they start at £44 for £1M cover, £52 for £2M cover and £72 for £5M cover. Looking across stats it looks like most Gardeners take out £1 million cover.

    It is always difficult to see how you could cause more than a million pounds of damage and I guess this is why most people take out £1M cover. If you do any large jobs or work at big properties then a higher lever of cover may be advised. Also, if you do any work for the council then there is a chance they will require you to have £5M cover minimum.
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