As requested at Landscape Juice Network, my colleague Laura and I put some things together to look out for when you are looking for Landscape Gardener’s business insurance. I hope this clarify buying the right cover for your business.
Public liability insurance
Public liability insurance is important for your business because it will pay out in the event that a mistake is made which causes an injury to a member of the public or customer, or which damages their property. We recommend taking out a minimum cover of £ 2 million.
Chainsaw licence
If you’re a landscape gardener and you’re using a chainsaw to cut trees and bushes, please mention this when you take out an insurance policy. Insurers segregate landscape gardeners in two categories: “excluding treefelling” and “including treefelling”.
Also important: you do need a chainsaw licence in the UK if you are a landscape gardener and your business involves treefelling.
Failing to have a licence will result in problems with your insurance.
Tool cover
How important adequate cover is for your landscape business was the “This is England 2010” post from Jill.
One of the most made mistakes is that people assume that tools will be covered by a Public Liability Insurance. That’s not the case: you need to take out a separate cover for your work tools.
Tools overnight cover: You can also choose to include tools whilst left in your vehicle overnight. Cover can be provided for up to £10,000 and may include cover for tools in transit (dependant on insurer). Cover is for loss, destruction or damage by any cause not specifically excluded within the insurer's policy.
What will an insurer NOT cover for tools cover?
An insurer will not cover you when you find missing tools during a routine check or individual items exceeding 500 Pounds.
If you have work tools exceeding this amount, always contact your insurer for a separate arrangement.
If you keep your worktools in a van (overnight) and you took out additional cover to cover this, your vehicle doors should be fully closed and properly fastened. Lock all doors and windows.
Specific questions your insurer might ask you when buying insurance for landscape gardeners:
• Do you gain access by using ropes, harnesses or suspended platforms?
• Do you dispose of fumes, effluent or other harmful waste as part of the insured business activity?
• Do you work at depths below 1 metre underground?
I hope this will clarify things to look out for when you take out insurance for landscape gardening.
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Open forum activity
"Horrible in the wet just shows we are all different. I wouldn't even consider hayter for the terrible collection reason"
"This is definitely NOT my field of expertise, but I'd guess what most buyers might be interested in, could include:
1) What's the realistic market value of your "hard" assets (vehicles, machinery, tools, materials etc).
2) For the "goodwill" part…"
1) What's the realistic market value of your "hard" assets (vehicles, machinery, tools, materials etc).
2) For the "goodwill" part…"
"I've used Hayter harrier 56 pro mowers for 30 years . They're the best for maintenance, admittedly not great in the wet , but I wouldn't change . "
"Interesting with the weibang I've had 1 for 5yrs bought new and it's been fine nothing to report as of yet which compared to the honda new needing a new back end after 18 months."
"Buy an old Honda roller mower, the new ones break in 18 months and cost you £500 that is then repeated every 12 months.
Either a honda or others the same which actually came out of the same factory with different names, sharp, lawnflite, kaaz, all…"
Either a honda or others the same which actually came out of the same factory with different names, sharp, lawnflite, kaaz, all…"
Im looking for my first 100 founding members to join and use canopy and i have approx 65 spaces left.. if your in the UK running a garden maintenance / landscaping company and could be intrested , feel free to enter the waiting list.Thecanopyapp.com
"Can you change the direction of mowing? Always using a roller mower in the same pattern can cause this.
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does anyone find themselves spending money on an invoicing and qouting app? do some of you use tradify to manage bookings and schedule?whats the best way to manage workflow when you get busy in the season ?
"Try using a Turf Teq Power Rake to smooth it out. It will mill off the high spots and work the spoil into the low bits."
"I think i could get away with a four wheel mower for yhe time being no one has asked for stripes nonone seems to do the stripes here i thought it would be something i would add"
"Dealers will always to sell the machine they have the largest margin in. We are lucky ours tell the truth!"
"For our domestic round days, of which the majority are small to medium, we carry a 4 wheeled Stihl 4 series mower and a Hayter Pro 41. We use the Hayter on the fancier lawns and it leaves a beautiful finish but is only any good in dry weather. The…"
"Just seen your post there about your weibang a lot of bad reviews on the weibang my dealer recommends this as the best machines in the market "
how good does this look?
Im looking for my first 100 founding members to join and use canopy and i have approx 65 spaces left.. if your in the UK running a garden maintenance / landscaping company and could be intrested , feel free to enter the waiting list.Thecanopyapp.com
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Views: 30
Invoicing / Quoting
does anyone find themselves spending money on an invoicing and qouting app? do some of you use tradify to manage bookings and schedule?whats the best way to manage workflow when you get busy in the season ?
Read more…
Views: 46
Looking for a new roller machine
Hi i am just starting my new business and would like to invest in a roller machine would you recommend one or stick with the four wheel machine i have been looking at the weibang and honda rollers thanks in advance
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Views: 284
Retirement advice
After 40 years plus and some ongoing health issues begrateful for thoughts on either full or partial business disposal, machinery/vehicle disposal and how on earth do you value something like this with no formal premises or long term contracts. Yes…
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Views: 292
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