Running a gardening business comes with its fair share of liability risks that can lead to costly claims. Whether it’s a slippery footpath, flying debris, or accidental damage to a client’s property, these risks could impact your business. Here’s a closer look at some liability risks gardeners may face and how public liability insurance may help.
- Slippery Surfaces and Trip Hazards *
A freshly watered lawn, fallen leaves, or misplaced garden hoses can create slippery or uneven surfaces, increasing the risk of a customer or passerby slipping and injuring themselves. If a person were to fall and claim that your business was responsible, you may face legal and compensation costs.
- Flying Debris *
Lawnmowers, trimmers, and hedge cutters can send small rocks, wood chips, or other debris flying at high speeds. If debris strikes a car, a nearby house window, or even a pedestrian, you may be held liable for any damage or injury caused.
- Accidental Damage to a Clients property *
Accidental damage to garden structures like fences, statues, lights, or sprinklers can occur while mowing, weeding, or trimming. For example, a trimmer might accidentally hit and break a garden ornament, or a heavy lawnmower might run over a sprinkler system.
- Chemical Exposure and Environmental Concerns *
Many gardening businesses use fertilisers, herbicides, and pesticides to maintain gardens. If these chemicals accidentally drift onto a neighbour’s property or cause harm to pets or people, your business may be held responsible.
- Unexpected Damage from Tree Pruning or Removal *
Cutting down trees or trimming branches poses risks beyond just the gardener’s safety. A falling limb could damage a nearby vehicle, fence, or even a neighbouring house, leading to liability claims for property damage.
How Public Liability Insurance May Help *
Public liability insurance may provide protection for gardeners against third-party claims for injury or property damage caused by their business activities. If a claim is made against your business, public liability insurance may help cover compensation payments, and related expenses.
While careful work practices and safety measures may reduce risks, accidents may still happen. If you’re running a gardening business, public liability insurance may help protect you from unexpected financial setbacks.
For more information on public liability insurance options, speak with a business insurance broker.
Disclaimer: The content of this blog article is intended for general informational purposes only and should not be considered as professional advice. While we strive to ensure accuracy, we make no guarantees about the completeness or reliability of the information. For guidance regarding what and how much public liability insurance cover you need, we recommend consulting with a business insurance broker. Any actions you take based on any information provided here are at your own discretion.
