Gardeners Insurance

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Gardeners Insurance

What Is Gardeners Insurance?

Whether you’re a gardener who deals specifically with lawns, and the health and well-being of plants, flowers and trees, or a landscaper who builds patios, walls and garden features, we can help protect your business by finding the right insurance policy for you. Covering everything from your tools, equipment and contract works, through to liabilities that may accidentally harm or damage customers and their property, we can research bespoke policies so you’ll have peace of mind knowing your operations are safe and secure. You can gain access to a variety of the UK’s top-rated insurers, enjoy flexible payment options, and feel supported by a team who puts your best interests at the heart of the service we provide.

Getting a quote takes only a matter of minutes. Simply fill in our quote form, or request a call back, and we’ll go through suitable options at a time that works for you. Should your gardening business, or landscape operations grow, your insurance policy can grow with it, ensuring everything is covered, without charges for mid-term adjustments, ever.

What may be included in a Gardeners Insurance policy?

Commercial Combined Insurance awards

Gardeners Tools and Equipment insurance

Ensuring your key tools and gardening equipment is protected should you experience loss, damages or theft of these items, allowing business to continue as swiftly as possible.

Commercial Combined Insurance awards

Contract Works Cover

If the location you’re working on is ruined or damaged during your landscaping project, we’ll protect you against this, and new costs required for project completion.

Commercial Combined Insurance awards

Personal Accident Insurance

Should you suffer an injury while working, you can receive compensation for any loss of earnings should you be unable to work, as specified in your policy.

Commercial Combined Insurance awards

Public Liability Insurance

Available as cover at £1m, £2m and £5m, this covers clients and members of the public from any accidental harm, and damages done to their personal belongings.

What is Gardeners insurance?

Protection for self-employed gardeners & gardening businesses

As a gardener, you need to be aware of your working conditions which could pose a risk to you or a third party including sharp tools for cutting grass and plants, chemicals and machinery. Gardeners insurance or Landscape insurance will help you if you are faced with a liability claim for damage to a garden or plants and will provide the financial protection you may need against risks that could damage your business profits. 

At The Insurance Octopus, we source business insurance policies are designed to be flexible, allowing you to tailor your gardeners insurance or landscapers insurance to exactly how you need it providing you with all of the essential cover you will need in one business insurance policy. 

What your gardeners insurance policy includes

Gardeners Public Liability cover

Public Liability cover is a necessary part of your insurance as you will be working at third party locations and with the general public. Public Liability is required to cover you or your company should someone get hurt or damage is caused to a property whilst you are working. Levels of cover are available up to £5m.


Employers Liability insurance for gardeners

Employers Liability cover is a legal obligation if you have employees with standard cover of £10m. As an employer, you will have a legal responsibility to ensure that you have provided safe and secure surroundings for your employees and any visitors to your business premises. 

Gardeners Tools and Equipment insurance

Tools and equipment cover will protect the vital tools of your gardening trade – covering for loss, damage or theft of your tools to a cost level you require. 

Commercial Legal Expenses cover

Commercial Legal Expenses cover will help with legal costs in the event of any claim that is made against you or your business.

Contracts Works cover

Contracts Works cover, which can also be known as Contractors All Risk insurance, is protection for the materials used. This type of insurance is needed if you are involved with extending, refurbishing or converting old or new buildings including the grounds of a building. You are responsible for the landscaping work until the project is finished and handed over therefore you are responsible for the costs of the work again should something happen before the project is completed.

Personal Accident cover

Personal Accident cover will pay your business a weekly sum if you or an insured employee are unable to work following an accident. This can also be used as an employee benefit.

Why you need gardeners insurance

It’s important for your gardening business to ensure that you are protected against any risks associated with your line of work. A gardener’s insurance policy from The Insurance Octopus will include fundamental elements of insurance that a self-employed gardener or gardening business could need including core covers such as public and employers liability cover as well as optional extras such as tool and equipment cover, contract works, personal accident cover and legal expenses cover.


Gardeners Insurance FAQs

  • 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.

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  • 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.

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  • 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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A full range of policy covers to keep your
gardening business protected – start a quote today The Insurance Octopus.

Specialist insurance for gardeners

Our commercial insurance team will discuss the insurance requirements of your gardening business with you and look to compare quotes from our panel of niche and leading insurers, ensuring that you get a bespoke policy; only paying for the cover your business needs.

Flexible payment options

Your trade specific cover can easily be arranged and we can look to provide you with your business insurance and documents on the same day in most cases (subject to time of day restrictions). We can also offer you a range of flexible payment options, including Direct Debit to help spread the cost of cover.


Why choose The Insurance Octopus for Gardeners Insurance?

We proudly make buying insurance different and our cover comes with a range of benefits.

Up to £5 million of cover

Claims can be expensive, that’s why we source cover that offers up to £5 million worth of public liability cover for Tradesmen – with more available upon request.

Simple specific cover

To help save you both time and money. We compare prices from a range of different insurers so you don’t have to.

A team that knows your industry

We’ll connect you with an agent who understands many of the challenges you face, and can truly get to grips with the type of cover you need.

Easy claims process

Accidents can happen, so when something does go wrong you can rest easy knowing our team is on hand to make the claims process as quick and stress free as possible.

No mid term fees, ever

We don’t charge any mid-term fees at all during the life of your policy – so there are no hidden fees following any changes you might need to make.

How insurance for gardeners works

Examples of Gardeners Insurance in action

Gardener Mistake Leads to Costly Loss

A gardener was hired to landscape an ornamental garden around a centrepiece pond that contains hugely valuable koi carp. When he completes the work, he recommends fertilizer and pesticides to help the plants grow and stay safe from pests. Unfortunately, during a downpour, some of the chemicals run down from the plant beds into the pond, and all the koi carp are poisoned. The garden’s owner sues the gardener on the basis of negligence and is awarded compensation for the loss of the fish. Fortunately, the gardener had taken out professional indemnity insurance, which covered the cost of the compensation.

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