Gardeners Insurance FAQs

FREQUENTLY ASKED QUESTIONS Our most asked questions

  • 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.

  • Do gardeners need professional indemnity insurance?

    If you’re a gardener who focuses on offering your clients consultancy, or if you give out advice in your work, indemnity insurance is a must-have. It will help to protect you from expensive claims and costs that can occur if any of your advice causes third-party damage to people or a property, or any form injury. In addition to this, it can give clients some peace of mind, as well as convey your professionalism and business integrity.

  • How quickly can gardener cover be arranged?

    Once you have confirmed the type of insurance policies or cover that you will need for your business, it can be arranged in no time at all. For the majority of our insurance cover, we offer same-day cover, ideal for busy businesses and self-employed gardeners on the go. Our more complex insurance plans may take a little longer to action, however, garden insurance tends to be lower risk than other trades and therefore easier to organise cover for.

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