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Transforming a garden to fulfil its potential is rewarding, but when you’re dealing with natural materials in an exposed environment, it’s physical and unpredictable too. Whether you focus mainly on maintenance or you take on the design and structure too, all gardeners share common ground in the risks and challenges they face. Mistakes and accidents happen, and gardener insurance can guard you against unexpected costs.
Do you look after the health of your customers’ plants and gardens? Or do you produce plans and tackle outdoor building work such as patios and driveways to change the layout? We know you’ll have specific concerns based on how you run your gardening business, as well as a general need to cover yourself and your equipment against mistakes and accidents. That’s why we let you choose what goes into your policy.
If you're a tree surgeon, then unfortunately you won't be covered under gardeners' insurance.
Public liability insurance for gardeners?
In case you accidentally injure someone or damage their property.
Employers’ liability insurance
In case your employee is involved in an accident or mistake while they’re working for you.
Tools insurance
In case your gardening tools are lost, stolen or damaged.
Stock insurance
In case the products or materials you're responsible for are lost, damaged or stolen.
Business and office equipment insurance
In case your office equipment is lost, stolen, or damaged.
Hired-in plant insurance
In case plant machinery you’ve hired in is lost, stolen, or damaged.
Own plant insurance
In case plant machinery you own is lost, stolen, or damaged.
Contract works insurance
In case your gardening work experiences a setback that means you break the terms of the contract
Legal expenses insurance
In case you’re faced with legal costs from running your business.
Personal accident insurance
In case you or anyone you've covered has an accident.
Professional indemnity insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
In case you accidentally injure someone or damage their property.
Legal or medical expenses relating to claims against your business for:
For example:
Read more about public liability insurance
In case your employee is involved in an accident or mistake while they’re working for you.
Legal or medical expenses relating to claims against your business for:
**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**
For example:
In case your gardening tools are lost, stolen or damaged.
For example:
Read more about tools insurance
In case the products or materials you're responsible for are lost, damaged or stolen.
For example:
What you’ll need additional cover for
Read more about stock insurance
In case your office equipment is lost, stolen, or damaged.
For example:
What you’ll need additional cover for
Read more about business and office equipment insurance
In case plant machinery you’ve hired in is lost, stolen, or damaged.
For example:
Read more about hired-in plant insurance
In case plant machinery you own is lost, stolen, or damaged.
For example:
What you’ll need additional cover for
Read more about own plant insurance
In case your gardening work experiences a setback that means you break the terms of the contract
For example:
Read more about contract works insurance
In case you’re faced with legal costs from running your business.
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
For example:
Read more about personal accident insurance
In case you've made a mistake in your work or provided a service that didn't meet the expected standards.
What’s typically covered by professional indemnity insurance for gardeners?
Claims against your business for:
For example:
Read more about professional indemnity insurance
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
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10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.
£10.36 /month
£83.62 /year
A landscaper gardener excluding tree felling who works on residential properties
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Tools
Not included
£37.28 /month
£331.41 /year
A small landscaping gardening business that offers design advice with two part time casual workers
Public liability insurance
£1,000,000
Employers’ liability insurance
£10,000,000
Tools
£5,000
How we work out example quotes These examples are real quotes from our online system (created 30/03/2022). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
It’s quick to buy cover online
An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.
Insurance cover | Lowest excess | Highest excess |
---|---|---|
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
Tools | £60 | £500 |
Stock | £100 | £500 |
Business and office equipment | £50 | £750 |
The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.
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Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
Is public liability enough for third party property damage?
Can I just cover my most expensive tools?
Which type of workers do I need insurance for?
Will tools insurance cover all my equipment?
Does landscape gardening insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
In some situations you may need more than public liability to cover certain kinds of property damage. Learn about hired-in plant cover and contract works cover.
Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tools cover.
Employers’ liability insurance is a legal requirement if you employ people.
If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.
Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.
Depending on what you use to do your work, you may need other covers.
You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.
Make sure you're picking the right cover to protect you properly. It’s important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider builders insurance or groundworkers insurance?
If you provide other services, make sure you’re covered:
Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.
Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm
Call our team
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
Paying 80% of settled claims within 24 hours in 2022
Having landscape gardening insurance through Simply Business has saved gardeners thousands of pounds when the unexpected happened.
Douglas (name changed for privacy) is a self-employed landscape gardener. While he was installing a fence for a customer, he hit a power cable and had to get it fixed by the power company. Luckily his insurance covered the costs of the repair.
£2,730
Covering the cost of the damage to the power cable
£100
The excess amount stated in Douglas’s policy terms
We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.
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Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for gardeners. You can also check out our business insurance FAQs.
If you have people working for you, you’re required by law to have employers’ liability insurance in place.
That’s the only legal obligation. However, some landscape gardening customers and trade body memberships may insist that you have public liability insurance or professional indemnity insurance.
To make sure you’re covering the equipment you care about, it’s worth looking into the difference between tools insurance and plant and machinery insurance.
Other covers for gardeners to consider include:
If you're a landscape gardener who occasionally has to do some tree-felling, then you should be covered. You can find the details of what you're covered for in your insurance policy.
If you're a tree surgeon and tree-felling is a major part of your day-to-day job, then unfortunately you won't be covered under gardeners' insurance. This is because tree-felling is a higher-risk activity than most gardening activities.
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work. If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.
Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.
You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:
If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.
If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 0146 683. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
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