FAQ Category: Gardener insurance

Yes, if damage is caused accidentally and is not due to negligence, your Public Liability may respond. However, if the issue stems from improper grading, lack of planning, or known risks, it may be excluded.

Yes, but additional conditions may apply. If your work involves tree surgery, working at height, or handling protected species, you should disclose this to ensure you’re fully covered and compliant with any local environmental regulations.

No, insurance won’t pay for the replacement of plants due to incorrect planting, unsuitable conditions, or failure to thrive. These are considered part of your workmanship and excluded under defective work clauses.

Yes, accidental damage to underground utilities is typically covered under Public Liability, provided you’ve taken reasonable precautions, such as checking with utility providers or using cable detection tools.

No, damage from natural weather conditions, such as frost, drought, or storms, is excluded from cover. You are expected to take reasonable care in storing or protecting plants and materials on site.

No, insurance does not cover delays, loss of income, or penalties caused by bad weather or missed deadlines. These types of financial losses fall under policy exclusions.

Not necessarily, but if the value of the project exceeds £2 million or lasts longer than 2 years, you’ll need to inform the insurer. Contract Works cover is essential to protect against damage to these features before they’re completed.

Yes, if you own the equipment, it can be covered under Owned Plant & Tools (up to £75,000). Hired-in equipment is covered separately under Hired Plant & Tools. Machines must be stored securely when not in use to remain covered.

Yes, their use is covered under Public Liability, as long as you are using them safely, legally, and in accordance with manufacturer guidelines. However, claims arising from improper or negligent application may be declined.

Possibly. Accidental damage to third-party property, including plants, may be covered under Public Liability, but only if the plants are not part of the agreed contract work. Damage to plants you’re actively installing or landscaping would not be covered unless you have Contract Works cover.