Landscape gardeners' insurance / public liability insurance
Business insurance is essential if you work as a landscape gardener. When you are carrying out gardening services, public liability insurance can protect you against claims for injury to clients or members of the public, or damage to their property.
Simply Business offers tailored business insurance policies for gardeners. Whether you work as a sole trader or you have a company that hires staff, you can build your landscape gardening business insurance to suit your needs. In your policy, you can include optional business insurance covers such as gardening tools and equipment cover.
Simply Business also offers business van insurance as a separate policy.
Buying your landscape gardeners' business insurance
It’s easy to buy your business cover at a competitive price with our clear, simple insurance quote form.
- Build the right policy using our simple form
- Compare quotes from a range of trusted insurers
- Choose a quote and buy your policy online
- Speak to our UK insurance team if you get stuck
- Receive your documents online instantly
Building your landcape gardeners' insurance policy
You may need several different types of insurance cover for your landscape gardening business. These insurance covers should help you get started.
Public liability insurance covers the cost of claims made against you by members of the public who suffer injury or whose property is damaged as a result of your work. There is a minimum cover of £1m but your employers may request a certain level of cover before hiring you. We offer up to £10m, which can be necessary for public sector contracts.
You may need professional indemnity insurance if you give advice to your customers, as it covers the cost of claims for negligence or bad advice. Landscape gardeners' professional indemnity insurance can be important if your work also involves garden design. Simply Business offers professional indemnity with other covers as part of a single business policy, or as a stand-alone policy.
Helping you buy the correct landscape gardeners' business insurance
Employers' liability insurance
If you are an employer, you have a legal responsibility to take out employers’ liability insurance. Failure to do so can result in a fine of up to £2,500 per day.
If you’re a landscape gardener and you use a chainsaw to cut trees and bushes, please disclose this information when you take out an insurance policy. Insurers segregate landscape gardeners in two categories: “excluding treefelling” and “including treefelling”.
Also important: you do need a chainsaw licence in the UK if you are a landscape gardener and your business involves treefelling. Failing to have a licence will result in problems with your insurance.
Public liability insurance does not cover work tools
One of the most common mistakes is that people assume tools will be covered by their public liability insurance policy. That’s not the case: you need to take out separate cover for your work tools.
Tools overnight cover: You can also choose to include tools whilst left in your vehicle overnight. Cover can be provided for up to £10,000 and may include cover for tools in transit (dependant on insurer). Cover is for loss, destruction or damage by any cause not specifically excluded within the insurer's policy.