Landscape gardeners insurance

Building your policy

Public liability insurance is a key cover for many businesses, as it can protect you if someone is injured or their property is damaged because of your business. Simply Business offers between £1 million and £5 million in cover, to protect you against this cost.

Professional indemnity insurance is a vital consideration for all businesses that give advice or offer professional services to other businesses. It covers you in the event that you give faulty advice that causes financial loss to a client.

Personal accident insurance covers serious injury, something you might face during the course of your work as a landscape gardener. It pays out for the likes of lost income and medical costs, and you should consider adding this cover to your policy if you would struggle to make ends meet if left unable to work following an accident.

Elsewhere, you may also want to consider tool insurance, plant and machinery insurance and business equipment insurance.

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.

Check the details

• Make sure you read your policy documents carefully in order to understand any exclusions
• If you need professional indemnity insurance, find out what level of cover your clients might expect, and buy accordingly
• If you employ people, even in your own home, you are legally obliged to take out employers’ liability insurance. Failure to do so could result in heavy fines
• Do you work with chainsaws? if so, let us know when applying. You’ll also need to make sure that your chainsaw licence is in order
• Don’t underestimate the replacement value of your tools – it’s important to be get this right, to ensure you’re fully covered. Overnight tools cover may also be a useful option