Gardening insurance and safety information

When you invite a team onto your property, you want confidence that the work is insured and carried out safely. Gardening North London provides comprehensive gardening insurance for residential and commercial clients across London and the wider N area. We put safety first, document our approach, and evidence cover on request to give you peace of mind before any gardening or grounds maintenance begins.

Our gardening insurance arrangements are paired with clear processes: public liability, equipment safety protocols, risk assessments, and method statements where required. The aim is simple—prevent issues, work responsibly, and resolve anything promptly and fairly.

What our insurance covers

We hold appropriate insurance cover for gardening work. This includes public liability to protect against accidental damage or injury arising from our work onsite. We can provide proof of public liability on request before your booking is confirmed.

• Public liability: protection for accidental damage to property or injury to third parties arising from our work.
• Team cover: our operatives are covered while working on your site.
• Vehicles and transit: our vehicles and the transport of tools and materials are appropriately insured.

What this means for you:

• Evidence of cover can be shared in advance for procurement, facilities, or property managers.
• Confidence that routine and one-off tasks—such as hedge trimming, pressure washing, or garden clearance—are undertaken with documented protection in place.
• A professional approach to damage prevention and reporting if anything goes wrong.

If you have specific compliance requirements (e.g., named certificates, limits, or supplier registration), we’re happy to help. Contact us for documentation prior to booking via Contact.

Public liability and when it applies

Public liability protects you and your property against accidental damage or injury that may arise as a direct result of our work. It is not a substitute for home insurance, but an additional layer of protection tied to the services we perform.

Examples of scenarios typically in scope:

• A window is accidentally cracked while removing large branches.
• A passer-by is splashed during pressure washing and sustains minor injury.
• A fence panel is damaged during hedge reduction.

Examples typically out of scope:

• Pre-existing damage, wear, or defects that worsen naturally over time.
• Incidents occurring outside of our control or unrelated to our work.
• Damage resulting from instructions that contradict our safety recommendations.

We will explain any exclusions relevant to your site before work begins. If you need a copy of our certificate or limits, ask when you get a quote.

Equipment safety: how we work

Safe, well-maintained equipment is fundamental to how we operate. Our team follow equipment safety protocols that align with the tasks we perform week in, week out.

Key practices:

• Regular maintenance and inspection of petrol tools, including mowers, strimmers, hedge trimmers, and blowers.
• Safe use of petrol tools and ladders, with appropriate PPE (gloves, eye/ear protection, boots) and stabilisation.
• Segregated work zones where needed to keep pedestrians and vehicles at a safe distance.
• Cables, hoses, and pressure-washing lines routed to avoid trip hazards.
• Fuel storage and refuelling carried out away from ignition sources and drains.
• Only trained operatives use specialist equipment (e.g., pole pruners, pressure washers, and power sweepers).

If access constraints or site conditions make a task unsafe with standard equipment, we’ll pause and recommend a safer method. Nothing is carried out at risk.

Risk assessments for site conditions

Before starting, we complete a risk assessment for site conditions that is proportionate to the job. For routine tasks this may be a dynamic onsite assessment; for larger or higher-risk works we can provide a written risk assessment in advance.

Typical hazards we assess:

• Slopes, unstable ground, and wet or icy surfaces.
• Overhead lines, cables, hidden fixings, and underground services.
• Confined access, narrow passages, and shared pedestrian routes.
• Debris, brambles, and trip hazards in overgrown areas.
• Working at height using ladders for hedge tops or gutters.
• Noise, dust, flying debris, and water spray from pressure washing.

Our approach:

• Identify hazards and who might be affected.
• Agree control measures, such as barriering, signage, timing, or alternative methods.
• Brief the team before work begins and review conditions as the job progresses.

For commercial sites, we can liaise with facilities teams to integrate our risk assessment into your site safety process.

Method statements for larger jobs

For higher-risk or multi-stage works, we provide method statements that outline how the job will be done safely and efficiently. This is common for sizeable hedge reductions, tree pruning, extensive pressure washing, or coordinated grounds maintenance across shared spaces.

Your method statement will typically include:

• Scope of works and sequence of tasks.
• Access routes, set-up areas, and exclusion zones.
• Tools, plant, and PPE to be used.
• Control measures for noise, dust, flying debris, water run-off, and slips.
• Waste handling, including green waste removal and disposal routes.
• Communication and supervision arrangements, including point of contact.
• Contingency for weather changes or unforeseen obstacles.

If your organisation requires specific formatting or sign-off, we can align with your templates where practical.

Damage prevention and reporting

Prevention comes first. We plan our work to protect surfaces, structures, and planting. When pressure washing, for example, we test small patches and avoid aggressive settings on fragile surfaces. When pruning, we assess the species and season to prevent stress and ensure healthy regrowth.

Our prevention measures:

• Protect coverings for nearby windows, doors, and soft landscaping.
• Low-pressure settings and fan nozzles on delicate areas; distance maintained on aged paving or pointing.
• Cut guards and drop zones when trimming hedges or branches near boundaries.
• Tool rest zones and drip trays to prevent oil or fuel marks.
• Clear walkways and tidy-as-we-go to avoid slips and trips.

If something does go wrong:

• We stop work and make the area safe.
• We document what happened with photos and a brief report.
• We inform you promptly and agree the next steps.
• Where our work is responsible, we arrange repair or resolution via the appropriate route.

This transparent process supports swift and fair outcomes for everyone.

What we need from you to work safely

You can help us deliver a smooth, safe service by letting us know about:

• Any fragile surfaces, fixtures, or recent repairs.
• Underground services or irrigation lines in lawns or beds.
• Access constraints, shared corridors, or areas used by children or pets.
• Water and power availability for services such as pressure washing or gutter cleaning.
• Preferred working times to avoid busy periods.

Photos are especially helpful for assessing access and surface types. You can attach these when you get a quote.

Residential and commercial compliance

We work with homeowners, landlords, block managers, schools, and businesses. Our insurance and safety documentation scales to the site:

• Residential: dynamic risk assessment on arrival; clear communication about access, surfaces, and pets; tidy handover.
• Commercial: planned visits; RAMS (risk assessments and method statements) supplied where required; coordination with facilities or concierge; evidence of public liability and any site induction needs.

For ongoing programmes such as commercial grounds maintenance, we can provide scheduled documentation updates and named contacts.

Common questions about gardening insurance

Do you have public liability insurance? Yes. We hold public liability for our gardening and grounds maintenance work. We can share proof of public liability on request during the booking stage.

Can you send insurance documents to our building manager or procurement team? Of course. Provide an email address when you enquire and we’ll share our certificate and any requested details.

Are tools and vehicles insured? Our business insures the tools and vehicles we use to deliver your service. If you need specifics for a site permit, let us know.

Do you provide written risk assessments? Yes. For routine tasks we carry out dynamic assessments. For larger jobs or where requested, we provide written risk assessments ahead of the visit.

Can you supply method statements? Yes. We can issue method statements for larger jobs and for sites that require RAMS before granting access.

What if weather makes conditions unsafe? We’ll pause and reschedule or adjust the method. Safety comes first; we won’t proceed in unsafe conditions.

What happens if accidental damage occurs? We make the area safe, record details, notify you, and progress a resolution. Where we are responsible, our public liability insurance provides a route to put things right.

Is there anything not covered? Insurance policies include exclusions (for example, pre-existing defects). We’ll flag anything relevant to your site before work begins.

Will your team bring PPE and equipment? Yes. We are self-contained and bring the right tools, PPE, and waste handling materials for the job.

How do I request your insurance details? Mention it when you get a quote or contact us via Contact. We’ll send the documents you need.

How our safety process supports your project

• Before the visit: we review your photos and notes, identify any specific risks, and prepare appropriate equipment.
• On arrival: we complete a risk assessment and agree any controls, such as barriers, tap-off points for water, or temporary signage.
• During work: we maintain tidy zones, communicate progress, and adapt to site conditions, with method statements guiding larger jobs.
• Handover: we clear the area, remove green waste as agreed, and confirm any observations for future maintenance.

This framework supports everything from quick garden maintenance visits to complex pressure washing or ivy removal projects.

Best-practice examples by service

• Hedge trimming and shrub pruning: ladder checks, stable footing, cut guards, debris containment, and eye/ear protection. Method statements available for long boundary runs.
• Lawn care and mowing: cable checks, stone removal from lawns, safe handling of petrol mowers, and controlled direction of discharge.
• Pressure washing of patios and driveways: test patches, controlled run-off away from drains where contaminants may be present, slip warnings, and low-pressure settings for delicate pointing.
• Garden clearance and overgrown areas: hazard checks for glass, wire, and hidden obstacles; separation of green and general waste; careful use of cutting tools.
• Gutter cleaning: ladder angle and footing checks, roof access only where safe and permitted, debris containment, and downpipe testing.

If you have site-specific concerns—heritage stonework, new timber decking, or shared access routes—tell us during the quote and we’ll tailor our approach.

Request insurance documents

We understand that many clients, especially managing agents and businesses, require documents in advance. We can supply:

• Insurance certificate (public liability).
• Risk assessments relevant to the task.
• Method statements for larger jobs.
• COSHH details for any products we plan to use, where applicable.

Provide your requirements when you enquire so we can prepare the right pack. Start by visiting Get a quote or speak to us via Contact.

Why choose Gardening North London for insured, safe work

• Experienced, local team serving London and the wider N area.
• Clear documentation: insurance, risk assessments, and method statements.
• Practical safety culture and well-maintained equipment.
• Transparent communication and responsible damage prevention and reporting.

If you are planning seasonal tidy-ups, routine maintenance, or a larger project, we’ll ensure the work is properly insured and carried out safely from start to finish.

Ready to proceed? Share your job details and request our documents via Get a quote.