Horticultural consultants are professional advisors who identify and evaluate horticultural issues and offer technical or business advice to commercial and government clients. They usually have a bachelor’s degree or at least a post-secondary certificate.
No matter how careful a horticultural consultant is in their consulting work, one is still exposed to a variety of risks that could result with a client lodging a claim. Horticultural consultants need suitable insurance coverage to help cover the possible cost of an insurance claim including the legal defence costs.
There are essentially two forms of liability insurance for a horticultural consultant that need to be addressed.
Your Limit of Indemnity is the monetary compensation provided by a professional indemnity insurance policy. You can select the limit you need for liability insurance based on an evaluation of your needs, as well as any contractual requirements that might be imposed. It is important to have the correct Limit of Indemnity to avoid the disastrous consequences of being underinsured for any claims made against you.
Use the online calculator to check the Limit of Indemnity for liability insurance for horticultural consultants.
Aside from the public liability and professional indemnity insurance policies, here are other coverages you mat want to consider in order to protect your business.
Horticultural consultants are exposed to several risks which could be a burden if a client decides to take legal action against you. Some of these risks include;
The cost of a professional indemnity insurance policy for horticultural consultants will depend on various factors, including the nature of your work, how much work you undertake each year, and your claims experience, and the limit of indemnity required.
The regular professional indemnity policy for horticultural consultants does not cover expenses for personal injury or property damage suffered on the job, therefore a separate public liability insurance policy is required.
FD Beck in Australia understands that you have unique needs. Our insurance brokers will discuss your requirements to be able to provide customised policy coverage by offering different policy Limit options.