Public liability for a gardener

sprucegs

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.

paddyandstumpy

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

Domestic gardens, grass cutting and weeding mostly. So nothing that can do huge damage I don't think

Andy_L

sprucegs wrote: »

Domestic gardens, grass cutting and weeding mostly. So nothing that can do huge damage I don't think

Elec/Petrol lawnmover: low chance, but potential to kill/cause house fire

Robin9

Electricity cables, water, telephone


Hit a water pipe and flood a couple of houses ?

sprucegs

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

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

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.