Landscape Industry Forum

PRO Member

TRADE INSURANCE

i just got my new policy docs to start a new premium  (my broker shut down last year, unknown to me for a long time)

anyhow i checked the link below and got a good quote (inc tools in transit overnight!)

i dont need £2m p.l or £20m e.l or £20k hired plant this coming year.

so its sufficient for me for this year  £10k plant insured for use and theft inc.http://www.comparethemarket.com/business-insurance/compare-tradesman-insurance/

check what you need this Year ,as my brokers yearly charge to me has increased each last 5 years and i dont need it at the moment - you can Always add when required without paying for hired plant for 6mths unnecessary etc !

take 3 mins to get a quate : you may be VERY surprised:





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Replies

  • PRO Member
    Public and Products Liability
    £1,000,000
    Employers' Liability
    £10,000,000
    Employees Tools
    £1,000
    Tools overnight
    £1,000
    Goods in transit
    £1,000
    Own Plant
    £10,000

    ok only for basic garden maintenance needs but thats all i need and will get paid out for....
  • Premium Supplier
    Hi Gardens4U,
    If you went to Compare The Market, you have got a quote from Simply Business. We can help you discuss your quote if you want to make some changes. My colleague Tim can contact you.
    Let me know if we can help you.

    Best regards,
    Jasper


    Gardens4u.co.uk said:
    Public and Products Liability
    £1,000,000
    Employers' Liability
    £10,000,000
    Employees Tools
    £1,000
    Tools overnight
    £1,000
    Goods in transit
    £1,000
    Own Plant
    £10,000

    ok only for basic garden maintenance needs but thats all i need and will get paid out for....
  • PRO Member
    yes thats right - GLENHAM came up cheapest and best - ive been with fortis/groupama/towergate.

    even moneysupermarket goes through you - so no point trying any other search sites !

    just spoke to James @ Simply business - so ill be going with you . cheers

    Jasper Martens said:
    Hi Gardens4U,
    If you went to Compare The Market, you have got a quote from Simply Business. We can help you discuss your quote if you want to make some changes. My colleague Tim can contact you.
    Let me know if we can help you.

    Best regards,
    Jasper


    Gardens4u.co.uk said:
    Public and Products Liability
    £1,000,000
    Employers' Liability
    £10,000,000
    Employees Tools
    £1,000
    Tools overnight
    £1,000
    Goods in transit
    £1,000
    Own Plant
    £10,000

    ok only for basic garden maintenance needs but thats all i need and will get paid out for....
  • I went with Simply Business, £129
    1 million liability
    £3000 tools and machinery in van overnight
    no treework
    Adequate for garden maintenance for me
  • Premium Supplier

    Ok, that's great to hear!

    Landscape Juice is one of our partners too. If you want to renew with us and support Landscape Juice, you can simply click on this link https://www.simplybusiness.co.uk/dorfq/businessinsurance/1.htm?ref_... and we will support Landscape Juice.

    Best regards,
    Jasper
    Simply Business


    Greenlawns said:

    I went with Simply Business, £129
    1 million liability
    £3000 tools and machinery in van overnight
    no treework
    Adequate for garden maintenance for me
  • Hi,

    I've had policies through simply business for the last 3 years and groupama trades liability insurance 3 years prior to this. I take out a dual trade garden maintenance and landscapers liability cover and have always been happy with the price and service provided.

    On talking to the sales advisor for my latest renewal however i discovered we are unable to put up fencing, lay a patio, work in a pond greater than 25m3 capacity or prune any shrub or hedge over 3m in height. Very restricting considering our main source of income is from maintenance and landscaping. It seems that any business activity where there may be some form of risk has been excluded from the cover. Check policy exclusions carefully and make sure you mention all the different types of work are carry out, otherwise you may find yourself inadequately covered like i did.
  • PRO Member
    I tried to get a quote from Direct Line last year (after being sent a targetted sales letter and 'cheque book of offers) but didn't as they would insure us as landscapers/Gardeners if we used machinery over 90dba ! - even the quietest lawnmower exceeds this.

    Couldn't get any sense out of call centre as to why or if this could be changed as all they kept mentioning was 'the underwriters, the underwriters' with no logic or supporting reasons. Said I would have to write in if I wanted more info.

    Guess what ? - we didn't go with them - stayed with Aviva in the end.
  • Hi Colin,

    Thanks for carrying out a quote for your business insurance with us at Simply Business. If you are interested in insuring £6,000 worth of tools overnight in your van it is certainly an aspect of the cover that we can look into and organise for you. As an insurance broker we have the ability to offer cover for tools in a vehicle overnight up to a value of £10,000. If you have any queries or questions please feel free to contact me. http://www.simplybusiness.co.uk/social/online-customer-support

    Kind Regards

    Tim
    Simply Business




    colin said:

    i had a quick quote through sb and found similar. biggest problem is getting adequate cover for 6k of tools especially when theyre in my van

    Richard Newman said:
    Hi,

    I've had policies through simply business for the last 3 years and groupama trades liability insurance 3 years prior to this. I take out a dual trade garden maintenance and landscapers liability cover and have always been happy with the price and service provided.

    On talking to the sales advisor for my latest renewal however i discovered we are unable to put up fencing, lay a patio, work in a pond greater than 25m3 capacity or prune any shrub or hedge over 3m in height. Very restricting considering our main source of income is from maintenance and landscaping. It seems that any business activity where there may be some form of risk has been excluded from the cover. Check policy exclusions carefully and make sure you mention all the different types of work are carry out, otherwise you may find yourself inadequately covered like i did.
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