What level of public liability insurance does a gardener need?

In comparison to trades such as demolition or tree surgery, the risk of injury and damage is considerably lower for gardeners. Because of this, gardeners can opt for lower public liability insurance cover, which conveniently, can be cheaper as well. However, gardeners tend to be more exposed to the public and busier locations, which can mean an additional risk and the potential for high public liability insurance – especially if you will be using hazardous heavy duty tools such as tree or hedge trimmers and electric saws.