As a gardener you need public liability insurance to protect your business against the financial risk of being liable for an accident or damage that occurs when carrying out your work. If an accident or property damage occurs connected with your gardening business and you are held responsible you may be required to pay a financial settlement and legal fees.
Public liability insurance protects you from third-party claims of bodily injury or damage to property. If, for example, while gardening for a client at their home a child trips over your ladder and hurts themselves, public liability insurance may help pay your legal bills and the child’s medical bills.
It may shield you and your business against the financial risk of being found negligent if someone not employed by you is injured or suffers loss due to your activities. Even though gardening may seem like an innocuous activity, accidents can occur even when you take the best of care. Considering that a large claim could result in bankruptcy for your business or, in the worst case scenario, personal bankruptcy it is better to be safe than sorry.