It was announced recently that gardens registered with the National Garden Scheme can open their gates to the public again. Over the last few months, the only way to see some of these beautiful gardens was virtually through a computer screen; no beautiful smells or fresh feel of the grass under your feet.
We're certain many of our clients will be delighted to be able to either show their garden's beauty or to pop along and visit others. The safety of the volunteers and visitors is vital and the NGS has issued strict guidance for members and visitors.
If you are thinking of becoming part of the NGS and opening your garden now or in the future, please bear in mind this will affect your Home insurance policy.
Having a high number of visitors on your land increases the risk of you being held liable for damage to someone’s property or someone getting injured. This is especially important if you have pets, a pond or a swimming pool.
Your insurer will want to know if visitors will have access to your house, maybe to use the toilet.
If you are providing refreshments, you need to make sure you have adequate cover should you make someone ill.
If you charge entry, your insurer may want to know how you are keeping the money secure. Some standard online policies may consider this business use and exclude all cover.
We have experience with this so please do talk to us and we can help ensure you, your garden and your visitors stay properly protected. Call 020 8712 8076 or email [email protected].