Insurance

[Blugg]

Ive been gardening for 8 yrs now. 

 

Recently when doing quotes, ive had 2 customers this month ask if I have insurance. 

 

Never been asked before ?!? 

 

I mainly do hedges, small to medium trees. Qualified in respect to trees. Garden clearances mowing etc.

 

Ive googled gardener sole trader insurance and as you can imagine there's no clear path.

 

Please could you help ? 

 

 

[Dan Maynard]

I think there are 4 main types of insurance you could have
1. Public liability - in case you break something or someone else
2. Employee liability - legal requirement if you are employing anyone, even if they are self-employed but it's your job
3. Tools and plant if it gets nicked
4. Personal injury, see other threads, some have it and some don't.
Your customer probably means number 1, personally I was recommended to Trust Insurance and after discussing what I do including turnover qualifications, climbing limits etc I took out 1 2 and 3. Kit value adds up real fast when you list it all out.
There are other insurance companies, I guess normal recommendation to shop around applies.

[daveatdave]

you could try Simply business or if you are a member of the federation of small business get it through them plus you get a load of other benefits as well 

[Dan Maynard]

The critical question is whether you are climbing, I think if so you need tree surgeon insurance and if not there is a lot more choice.

[kcstevens]

I've been on the phone to insurance companies this week. The game changer is, if you're climbing, you have to have a groundie who is ticketed to do Ariel rescue. Meaning you'll need employers ins , whether or not you've actually employed them or they're self employed. You are employing them to help with that specific job either way

[woody paul]

When you find a company you are happy with or before write a list of what you do in work ( hedge cutting , strimming , ect ) only if you do that once in a blue moon and get it listed on cover.