The UK is a nation of gardeners, and even in the most urbanised areas gardens are a key part of the community. For those who live in high-rise flats or don’t have a garden of their own, a community garden can play an important role in their lives. It’s a place of social interaction, a chance to get out in the fresh air for a few hours, and even grow some produce to share amongst the group. But if you’re an organiser or run a community garden you still need to think about insurance. And that’s where we can help.
At Park Insurance we have over 20 years’ experience in finding the best deals for our clients, no matter what their requirements. For community garden organisers the key type of cover you’ll need is public liability insurance.
What is PLI?
Public Liability Insurance provides owners or organisers against financial hardship should suffer an injury while on your property or property that you manage. So for example, if a member of the public walks into a community garden and steps on a rake, injuring their foot, public liability cover will protect those who manage the garden against financial loss if that person then decides to put in an injury compensation claim. Public liability insurance isn’t compulsory, but it should be considered to be essential if your garden is open to the public in any way.
What if the organisation employs a gardener?
Some community gardens employ professionals to manage the garden, even if it’s only part-time or on a sub-contractual basis. If this is the case then your community garden insurance plan should also include employer’s liability insurance. This is mandatory if you employ anyone, although as most community gardens are managed by the local council, they may include any gardening professionals in their existing policy.
Specialist insurance for specific needs
For over 20 years, Park Insurance has been the preferred broker of choice for some of the UK’s largest insurance providers. Community gardens are becoming increasingly popular, especially in urban areas, and as such insurance companies are now offering tailor-made insurance cover for community gardens and allotments. Park Insurance brokers are regulated by financial governing bodies, and as such offer you impartial advice designed to find you the best deals at the best prices.
To find out more, simply contact us direct and talk to one of our friendly team, or fill out our query form and one of our advisers will be happy to answer your questions and provide you with an instant, no-obligation quote.
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