With a self-employed gardener the most important thing is to find someone you can trust who will do the job well. Public liability insurance for gardeners covers you if you accidentally injure a member of the public or damage their property.
There is another self-employed liability insurance which some individuals choose to take out and thats public liability insurance.
What insurance does a self employed gardener need. To be successful. Some types of insurance are a legal requirement. What insurance does a self-employed gardener need In addition public liability insurance self-employed gardeners should consider the covers below.
Business insurance pack you may be able to combine multiple covers in a specially designed policy for a gardening business. There are seven different main types of business insurance. Of course you cant have the good without the bad.
Being self-employed means you need some kind of business insurance to cover the risks associated with your job. Other relevant insurance policies for a gardeners business include employers liability which is a legal requirement for anybody who employs staff and professional indemnity insurance. Whether you decide to use flyers car labels leaflets or signs make sure that you keep your target market in mind.
Accident and Sickness Insurance or illness and injury insurance as its sometimes called will allow you to continue to have an income if you are sick or involved in an accident. Various websites stress the importance of qualifications such as the RHS Level 2 Certificate in Practical Horticulture but as one gardener observed to me having a qualification doesnt make you a good gardener. Business Insurance for Self-Employed Gardeners.
Gardeners need to have natural steady feet but even the most balanced gardener can trip or fall in an always changing environment. One of the downsides of being your own boss is that youre responsible for everything a boss is including finding the right self-employed insurance and freelancer insurance programs. This can cover compensation and legal costs if someone else is injured or their property is damaged as a consequence of your work.
There are many positives to being a freelancer or self-employed. Other types of business insurance such as public liability insurance are optional so youll need to decide if theyre right for you. If you employ others or request a higher limit of indemnity the premium will increase.
If you are thinking of starting a career as a self employed gardener this short and simple guide will help you get a sense of what is involved. For example if you employ anyone who isnt a direct family member even if its only one person you must have employers liability insurance. Public Liability Insurance ensures that there are sufficient funds available to pay compensation in the event of personal injury or damage to property – it does not protect against bad workmanship.
One benefit is having more control over your worklife balance. Finding work as a self-employed landscape gardener Anyone who is starting their own business will need to find a way to communicate the services that they are offering to their potential customers. The good news for cleaners is that the premium for public liability insurance with a limit of indemnity of 1M including the cover for property that you are cleaning is less than 50 per year for sole trader self employed person.
If you are found legally liable our Gardeners Public Liability Insurance will cover you against these claims from customers or other members of. Here at Tradesman Saver we have all the coverage you may need as a gardener and you can get your quote online in minutes. When youre self-employed business insurance offers you protection and peace of mind.
If you are supplying garden designs as stand-alone designs and arent doing the gardening work yourself you will also need professional indemnity insurance which covers you against compensation claims due to any errors and omissions in the designs that you have supplied. Here are four main types of business insurance you should look into. Employers Liability Insurance is a legal requirement for any gardener who employs someone to work for them.