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As a garden designer, it’s your job to create the perfect outdoor escape for your clients - but sometimes things can go wrong, and having the right insurance in place can help keep you and your business safe.
If you were to give your landscaper the wrong specifications or measurements, or accidentally damage a client’s property when on site yourself, you could be found liable and face a compensation claim.
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The types of cover you need will depend on the particulars of your garden design business, but these covers tend to be popular with other garden designers:
Public liability insurance is an important consideration for any business that engages with the public. If you invite clients to your office or visit their gardens yourself, there’s a chance of injury or damage to property. It could be something as simple as spilling a cup of tea, or - if you do any garden work yourself - snipping through cabling when using shears or secateurs. If you have public liability insurance in place it could help cover the cost of replacements and repairs.
Professional indemnity insurance is definitely worth thinking about. Landscapers will work to your specifications, so if you accidentally give the wrong dimensions for a flowerbed, for example, they might order too much timber, or cut it to the wrong size, and then have to start again. This is where you might want professional indemnity insurance as part of your policy, as it can pay out in cases like these where someone suffers a financial loss because of an accident or mistake you’ve made.
Employers’ liability insurance is a legal requirement for most businesses that employ staff, so if you have anyone on your payroll - even on a casual or temporary basis - then you should find out if you need to add this to your policy. If an employee is injured at work, be it from an accident with gardening equipment or back pain caused by poor quality office seating, employers’ liability insurance can pay out, covering legal fees, compensation and medical bills.
Business equipment insurance could be worth adding to your policy if you have any specialist tools you want to protect against damage, loss or theft. If someone breaks into your office - whether you work from home or a separate office space - and steals or damages your computer, it could be difficult to continue working. It’s cases like these where business equipment insurance could pay out to cover the cost of repairs or replacements.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.