Garden squares insurance

Insurance for management committees responsible for privately owned communal gardens and land.

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If you are a management committee responsible for the maintenance and upkeep of a privately owned communal garden or area of land, then you may find yourself responsible for paying compensation to anyone either injured or whose property is damaged from their use of your privately accessed garden or land.

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Call this number 0116 4785 926

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Tailored cover for Garden Squares

Insurance for Garden Squares

Insurance for privately accessed communal gardens

Insurance for residents associations

What covers can I include?

Third-party liability for injuries and damage to property

Employer’s Liability insurance for any staff including temporary workers

Cover for buildings and any other structures you are responsible for

Loss or damage to statues, plants and trees, fences and gates, paths, and street furniture such as street lighting and signage

Theft of gardening equipment can be included (subject to minimum security conditions)

Loss or damage to children’s playparks and playground equipment

The policy can also be extended to cover public events and garden parties, open garden square days, and firework displays

Want to speak to someone?

Call this number 0116 4785 926

Get a quote now

Click here

Frequently asked questions

Why do I need Public Liability insurance?

If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.

Why do I need Employer’s Liability insurance?

If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):

https://www.gov.uk/employers-liability-insurance

Do I need Employer’s Liability insurance for subcontractors?

Yes, possibly. Employer’s Liability insurance is legally required if you engage labour either through PAYE or via self-employed labour only sub-contractors.

What other types of cover can I include on my Garden Square insurance?

The answer to this depends on what else you are legally responsible for, but we can include cover for loss or damage to gates and fences as well as other estate property such as permanent structures, pathways, fountains and statues, plants and trees, children’s playground equipment and tennis courts. You can also insure against loss or damage to garden furniture and gardening equipment.

We hold an annual fireworks event in our Garden Square, can this be insured?

Yes, we can arrange to extend your policy to include cover for this, which will be subject to certain conditions imposed by the insurer. Please contact us for further details.