Join over 16,000 self-employed gardeners like you. Compare tailored insurance from trusted brands.
Get tailored quotes in 7 minutes
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
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.
What’s typically covered by public liability insurance?
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.
What’s typically covered by employers’ liability insurance?
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.
What’s typically covered by tools insurance?
For example:
Read more about tools insurance
In case the products or materials you're responsible for are lost, damaged or stolen.
What’s typically covered by stock insurance?
For example:
What you’ll need additional cover for
Read more about stock insurance
In case your office equipment is lost, stolen, or damaged.
What’s typically covered by business and office equipment insurance?
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.
What’s typically covered by hired-in plant insurance?
For example:
Read more about hired-in plant insurance
In case plant machinery you own is lost, stolen, or damaged.
What’s typically covered by own plant insurance?
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
What’s typically covered by contract works insurance?
For example:
Read more about contract works insurance
In case you’re faced with legal costs from running your business.
What’s typically covered by legal expenses insurance?
For example:
Read more about legal expenses insurance
In case you or anyone you've covered has an accident.
What’s typically covered by personal accident insurance?
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?
Claims against your business for:
For example:
Read more about professional indemnity insurance
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.
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 October 2019 - 31 March 2020). Most customers pay more than this but some pay less.
£8.65 /month
£66.46 /year
A landscaper gardener excluding tree felling who works on residential properties
Public liability insurance
£1,000,000
Employers’ liability insurance
Not included
Professional indemnity
Not included
£96.12 /month
£854.42 /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
Professional indemnity
£50,000
How we work out example quotes These examples are real quotes from our online system (created 10/09/2020). 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 |
---|---|---|
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.
Only pay for what you need
Choose the best fit for you
Get your documents the same day
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Access support by phone or online
We handle claims, so you can get on with business
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 and contract works insurance.
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 insurance.
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 these services alongside building work, 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 09.30am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.00pm, 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 below 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 2019
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 750,000 customers across 1,500 trades now trusting us to provide their business insurance.
Compare and buy in minutes
Documents arrive today
Rated 4.7/5
Based on 38,869 reviews
Here to help
Help from UK-based experts
24/7 claims
Make a claim any time
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 landscape gardening insurance.
We create this content for general information purposes and it should not be taken as advice. Always take professional advice. Read our full disclaimer
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletter6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.