Join over 500 garden designers like you with professional indemnity cover from £1.90 per month*
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From the moment you step into a project to the final courtesy call, your care and expertise get clients recommending you far and wide. With challenging weather, big expectations and suppliers to juggle, things can go wrong. That’s where garden designers’ insurance comes in, protecting your work with specific cover.
The key cover for most garden designers is PI (professional indemnity) insurance, which can protect you against claims for negligent advice. If you have any employees, employers’ liability insurance is a legal requirement. And if you rely on specific tools, equipment and stock, you’ll want to make sure you’re covering those too.
Professional indemnity insurance
In case your client claims you’ve been negligent, or made a mistake in your work.
Public liability insurance
In case someone is injured or their property gets damaged because of your garden design business.
Employers’ liability insurance
In case something happens to an employee while they’re working for you.
Business and office equipment insurance
In case things like your phone or laptop are lost, stolen or damaged.
Legal expenses insurance
In case you’re faced with legal costs as the owner of your garden design business.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
In case your client claims you’ve been negligent, or made a mistake in your work.
Claims against your business for professional negligence or breach of contract that causes your client a financial loss. This might include:
For example:
Read more about professional indemnity insurance
In case someone is injured or their property gets damaged because of your garden design business.
Claims against your business for:
For example:
Read more about public liability insurance
In case something happens to an employee while they’re working for you.
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 things like your phone or laptop are lost, stolen or damaged.
For example:
Read more about business and office equipment insurance
In case you’re faced with legal costs as the owner of your garden design business.
For example:
Read more about legal expenses insurance
In case anyone you’ve covered is accidentally injured, at or outside of work.
For example:
Read more about personal accident 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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*How we work out example prices 10% of our customers paid up to £22.81 a year for a professional indemnity insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £1.90 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.
£7.51 /month
£55.12 /year
A part-time garden designer specialising in hard landscaping
Public liability
£1,000,000
Employers' liability
Not included
Professional indemnity
Not included
£147.09 /month
£1307.46 /year
A small garden design company who undertaking project management for bigger builds
Public liability
£2,000,000
Employers' liability
£10,000,000
Professional indemnity
£250,000
How we work out example quotes These examples are real quotes from our online system (created 11/01/2021). 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.
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 |
---|---|---|
Professional indemnity | No excess | £2500 |
Public liability | £100 | £2500 |
Employers' liability | No excess | No excess |
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.
Which type of workers do I need insurance for?
Does garden design insurance cover my work correctly?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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.
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 garden maint ex tree felling or gardening insurance?
If you provide other services, make sure you’re covered:
Other types of insurance
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 garden designers’ insurance through Simply Business has saved professionals thousands of pounds when the unexpected happened.
Maggie (not her real name) knocked her laptop off a table in her client’s kitchen, damaging it and delaying the day’s work. Luckily, her garden designers’ insurance covered the accidental damage.
£2,149.00
Covering the cost of accidental damage
£100
The excess amount stated in Maggie’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 garden design insurance. You can also check out our business insurance FAQs.
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 garden designer, you may also do the odd project management job too. If so, 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.
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 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.
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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