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Gardeners' insurance

Everything you need to know abut insurance for gardeners

Collette Shackleton
Written by  Collette Shackleton
Alicia Hempsted
Reviewed by  Alicia Hempsted
5 min read
Updated: 19 Apr 2024

Wondering what type of insurance you need as a professional gardener or landscaper? Find out how to protect yourself against all the risks that come with owning a gardening and landscaping business in this useful guide.

As a gardener, you're working hard all year round, pruning trees and mowing lawns. Given the nature of the job, you're exposed to all the elements, and certain risks and challenges too.

That's why it's important to get tailored business insurance to suit your needs as a professional gardener or landscaper.

What is gardeners insurance?

Gardeners insurance provides essential protection for anyone who is a self-employed gardener or landscaper and runs their own business.

Whether you're working on gardens, patios, landscaping, or any outdoor domestic or commercial space, gardening and landscaping can be dangerous, especially when you're working outside during in all seasons.

If you cause injury or damage to anyone or their property, the right business insurance will offer financial and legal cover.

woman and man gardening

What insurance do I need for my gardening business?

Here are the main types of business insurance you'll need as a gardener:

Public liability insurance

Public liability insurance helps to cover legal costs if someone is injured or you damage their property while you're working for them.

For example, if you leave your gardening tools unattended and someone trips over them and injures themselves, they could make a claim against you. In this instance, public liability cover would help pay them compensation.

Employers' liability insurance

Employers' liability insurance is a legal requirement if you employ one or more people within your gardening business. It helps protect you if a member of your staff becomes ill or is injured as a result of them working for you.

Tool insurance

Tool insurance covers the cost of repairing or replacing your lost, damaged, or stolen gardening tools and equipment, from secateurs to strimmers, and everything in between. Some policies also offer cover on hired in plant machinery.

Commercial van insurance

If you own a van that you use for your gardening or landscaping business, then you'll need commercial van insurance to cover any contents in your van, as well as the van itself.

How much will gardeners insurance cost?

The cost of your gardening insurance premiums depend on a number of factors, including:

  • The size of your business: whether you're a sole trader or employ others too

  • The type of cover you require: do you just need public liability or employers' liability and tool insurance as well? This will affect the cost of your policy

  • Level of cover: each insurance provider offers a different level of coverage, with basic options being more affordable

Can I get self-employed insurance as a gardener?

If you're self-employed, you can get business insurance tailored to your needs. It is worth looking at the following types of cover to help protect your income and business:

How do I find the right insurance for me?

We can help you find the right gardening business insurance from a range of trusted UK providers in a matter of minutes. All we need is some quick information about you and your business, and we'll show you the best quotes to suit your commercial needs.

What do I need to get a gardening business insurance quote?

Here is the following information you'll need to provide about you and your business to get a quote:

  • Your trade e.g. gardening and landscaping

  • Business and home address

  • How many years you’ve been in business

  • If you have employees, if so, the number of staff you employ

  • Any claims history

  • The type of cover you require

Once you submit this information, we'll show you a list of quotes and you can choose the one you feel best suits your business needs.

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