Garden Designers

We specialise in the Garden Design Industry we understand the unique and diverse needs of Garden Design Companies, including hard and soft landscapes.

The main Insurance requirements are:

  • Professional Indemnity
  • Public/Products Liability (work on site e.g. planting)
  • Employers Liability including responsibility for casual labour

Extensions in Cover are available if you contract for the implementation of your design. 

We manage an Insurance Scheme specifically for the Garden Design Profession.

Whether you design or design and construct gardens we have a specific Policy tailor made for your requirements.

Please contact Suzanne Mazey or Lesley Owen for advice and a quotation, alternatively please complete and return the Proposal Form attached without obligation.

Suzanne Mazey

Suzanne joined UK Special Risks in 2003 and is a key member of the team. Her accuracy and diligence coupled with a task focused approach means that she is a valuable and longstanding employee. She has a detailed knowledge of both our Health Food Shop and Dental Laboratory products. Suzanne is efficient and effective in getting the job done and her organised and methodical approach achieves outstanding results.

Direct Dial: 01634 662916
Email: smazey@ukspecialrisks.co.uk

Lesley Owen

Lesley is UK Special Risks Office Manager and Schemes Underwriter. Lesley has been with UK Special Risks since October 2001 where she started as a Schemes Underwriter. In addition to this Lesley is also the Office Manager and is responsible for the smooth running of the office on a day to day basis. She has excellent interpersonal skills and always applies a pragmatic and solutions based approach to her work. Lesley has an expert working knowledge of our Dental Laboratory and Memorial Mason (including Headstone) products and would be delighted to advise and recommend on these covers.

Direct Dial: 01634 662910
Email: lowen@ukspecialrisks.co.uk

The application form is for quotation purposes only. Cover is not in force until:

  1. a written quotation has been issued by ourselves confirming your application is acceptable.
  2. you have confirmed you are agreeable to the premium payable and the terms and conditions of the policy.
  3. we are in receipt of the signed and dated application form.

PROFESSIONAL INDEMNITY & COMBINED LIABILITY
APPLICATION FORM FOR DESIGN PROFESSIONALS

Q1) If you are a sole Director or Principal:

Is this a part-time occupation:

Details of all Principals, Partners & Directors

Name Age Qualifications Date Qualified Number of years experience

If a principal has less than 5 years relevant experience, please email us a CV.

Q2) Do you currently have Professional Indemnity Insurance in force?

This policy will not cover work undertaken prior to inception of the Policy unless the retroactive date has been advised.

Q3) Please list your largest 3 projects undertaken since business established:

Description / Country Client Commenced Completed Your fee Total Value

What is the largest fee received in the last year and from which client:

Client Fee

Your business activities

Please split your last complete financial year turnover between the following professional activities

Graphic Design    
   
Interior Design    
   
Product Design
   
Corporate Identity    
   

Does the above split accurately reflect (a) your business activities in the past and (b) estimated business activities in the future?

Q4) Are you members of any Trade Association or Professional Body e.g. Chartered Society of Designers?

Please indicate the % of your work which is design only in comparison to project were you arrange for manufacture / production

% (turnover)

Do you wish to extend Cover to include:

(a) Infringement of  Intellectual Property Rights eg copyright
(b) Breach of Confidentiality
(c) Rectification (first party) Cover
(d) Irrecoverable Fees Cover
(e) Product Disparagement

Do you always prepare a written specification for your client for each project incorporating “ signing off “ procedures?

Are all changes to the specification contract recorded?
Do you always obtain final client sign off before production?
(Please email us a copy of Standard Terms and Conditions)

Q5) Please give details of the Numbers of staff and projected payments to:

Q6) Business Relationships

Is the company or any individual connected or associated (financially or otherwise) with any other company or organisation for whom work may be undertaken for or in connection with the proposed?

Are you a member of a consortium or engaged in any single project partnership?

Do you require sub-consultants to carry Professional Indemnity Insurance?

Underwriters retain rights of recourse against sub-contractors unless specifically agreed otherwise.

Q7) Limits of Indemnity - Please tick level required

Public/Products Liability

Professional Indemnity Standard

Employer Liability £10,000,000 Standard Level

Declaration

Has any Insurer every declined to offer renewal terms ,imposed special terms or cancelled Cover for the Firm or Principal, Partner or Director

Has any prosecution, prohibition notice or improvement order been made against you under the Health & Safety Legislation during the last 5 years.

Are any of your Principals/Partners aware “after full enquiry” of any circumstances, which may give rise to a Claim against the Firm.

Have any claims been made against you in the last 5 years (or pending) in respect or risks to be covered by the Insurance.

Are you aware of any shortcoming in your work for a client which is likely to lead to a claim against you? This includes (a) a shortcoming known to you, but not your client, which cannot reasonably put right (b) a compliant from your client about your work or anything you have supplied which cannot be immediately resolved (c) an escalating level of compliant from your client on a particular project (d) a client withholding payment due to you after any complaint.

IMPORTANT NOTICE CONCERNING DISCLOSURE

In completing this Proposal you must disclose all materials facts, i.e. those which an Insurer would regard as likely to influence the assessment or acceptance of the risk.  Failure to do so could invalidate the Insurance.  If you are in doubt as to what facts are material you should, for your own protection, disclose them.

I/We declare that to the best of my/our knowledge and belief the information given in this Proposal is true in every respect.

I/We agree that this Proposal should be the basis of the contract between me/us and the Company and to accept the Company’s Policy applicable to the Insurance.

I/We declare that if anything on this Proposal was written by another period he/she acted as my/own Agent for this purpose.

To send your form, you must enter the PIN number below correctly into the box provided.

UK Special Risks Ltd, Registered office Unit 6, The Oaks Business Village, Revenge Road, Lordswood, Kent ME5 8LF