Public Liability Insurance
Public Liability Insurance ensures that there are sufficient funds available to pay compensation in the event of personal injury or damage to property - it does not protect against bad workmanship.
The insurance policy is owned by the trader. Just like any other insurance policy, the trader is able to set an insurance 'excess'. The bigger the 'excess', the lower the premiums paid by the trader will be. The amount you receive in compensation will be less the traders insurance 'excess' which you will need to claim direct from the trader.
Public Liability Insurance is normally specific to a particular trade as different trades have different levels of risk. For example, tree surgery carries a higher risk than lawn mowing. Someone who specialises in one trade is more likely to have appropriate insurance.
Accidents will happen. Reduce risk of injury by keeping your distance when your gardener is working. If you are concerned, ask to see the traders public liability insurance certificate.
Professional Indemnity Insurance
Some gardeners offer a consultancy service. Where a gardener gives advice only, their Public Liability Insurance will not cover any financial losses arising from their advice. Gardeners who focus on consultancy are more likely to have Professional Indemnity Insurance or both.