Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by landscape designer professional indemnity insurance?

Claims against your business for:

• bad and negligent advice that becomes costly for your client to fix
• errors in your work that lead to fines, claims, or other losses for your client
• other mistakes including problems in training and certification, or mishandling sensitive data

For example :

• you lose a client’s important documents or data and they claim for financial losses
• you publish a false statement that damages a person’s or business’s reputation
• you need to pay to fix a mistake or compensate your client following a dispute

Read more about professional indemnity insurance

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for landscape designers?

Claims against your business for:

• damage to someone’s property, caused by your business activities
• illness or injuries as a result of your business
• employees causing accidental damage or injuries

For example:

• while hosting a meeting, you leave a cable running across the open office floor and your client trips, spraining their ankle
• you serve a client sandwiches with a trace of sesame seeds, causing an allergic reaction
• your employee drops heavy equipment on your client’s floor, causing extensive damage

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• injuries to staff (including casual labourers and contractors) that are caused as a result of your business
• illness suffered by an employee (including temps and casual workers) caused by working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• your office manager breaks their finger while trying to close a faulty window at your business premises
• your receptionist trips over a cable running across the floor of your office, breaking their ankle
• a temp worker scratches their arm on one of your tools, and the injury becomes infected

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

• theft or vandalism to your office furniture or business equipment
• damage or destruction caused by fire or flood

For example:

• a fire caused by faulty electrics destroys your office furniture and other contents such as business equipment
• someone forces entry to your business premises and graffitis your office furniture
• a leaking pipe floods the ground floor of your business premises, and you need to replace your damaged contents

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your business.

What’s typically covered by business legal insurance?

Claims against your business for:

• costs and expenses for disputes relating to debt recovery, including judgement enforcement
• disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
• costs and expenses for contractual disputes arising from an agreement

For example:

• one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
• someone gets access to your company’s bank details and uses them to buy goods and services
• your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• an accidental injury or death suffered by anyone who’s named on the policy (whether it happens at work or elsewhere)
• medical costs and hospitalisation benefit, as well as income lost by your business

For example:

• your office manager – who you’ve covered on the policy – injures their back at the gym and can’t work at full capacity for a month
• you suffer a serious burn while cooking and need to take time off work for treatment
• one of your employees breaks their arm while playing football, and can’t work at full capacity for three weeks

Read more about personal accident insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your [TRADE] insurance policy, you won’t need to pay excess

For example :

• after a heavy storm you need to make a claim on your building cover – you don’t have to pay the £250 excess thanks to your excess insurance
• a leak in the bathroom causes a guest to slip and injure themselves and thanks to excess cover, there’s no excess to pay on the claim
• a tenant’s suitcase scratches the wooden flooring in your hallway – you won’t have to pay any excess on your accidental damage claim