Community gardens are places where people come together to grow a variety of vegetables, herbs, fruits and flowers. This collaborative project typically a piece of land which is collectively gardened by a group of people in a local community, offers people and the community many benefits. Community gardens are not only a great way to connect people to nature through gardening but it is also great for the environment.
With the majority of people now living in urban environments community gardens offer escape from the concrete jungle and hustle and bustle of city living. But what are the legalities and liabilities of a public garden?
Public Garden Cooperatives & Public Liability
New community gardens are often advised to obtain liability insurance. Insurance is a good idea considering the nature of most gardening activities. Liability insurance protects the organization that owns it and/or some other entity who is named as additional insured on the policy.
There are different kinds of insurance to operate a community garden. One should note that liability insurance typically does not protect the gardeners themselves in case of injury, but only protects the organization that owns the garden or the landowner in case they are sued. If gardeners or garden officers are concerned about personal risk the best solution is probably “umbrella coverage” or often referred to as PL insurance. Preparing a public liability for any project will ensure coverage on any person on site for personal injury.
Community gardens provide an opportunity for people from different backgrounds to come together. There are so many benefits to getting your hands dirty so know your facts, and always remember that gardening requires physical activity. So make sure you choose the best public liability insurance policy. Speak to an insurance adviser first; a professional will be able to explain to you the ins and outs of a policy and the benefits it will offer.