Public liability
Claims for injury to someone else or damage to their property arising from your insured work. Check the limit required by your customers or contracts.
Explore this coverFOR YOUR TRADE. FOR YOUR WORKING DAY.
Gardeners & landscapers insurance
From garden maintenance to landscaping projects, explore cover for your outdoor work, equipment and the people around you.
Get a quote Explore your coverAnswer a few quick questions and we’ll call you with a price.
START WITH WHAT MATTERS
Your work. Your kit. Your people.
Outdoor work puts you close to buildings, vehicles, underground services and the public. Routine maintenance and hard landscaping can need different descriptions when arranging insurance.
Tools & equipment
Mowers, strimmers, hand tools and landscaping equipment. Check replacement values, storage conditions and theft-from-vehicle restrictions. This is separate from simply insuring the van.
Explore this cover
Employers’ liability
Most employers must hold this cover, with limited exemptions. Describe your employees, apprentices and labour arrangements accurately.
Explore this coverCover depends on the policy you choose. Limits, excesses, conditions and exclusions apply.
THE DETAILS MAKE THE DIFFERENCE
Room for your business to grow.
Describe every part of your work, including the jobs you only take on occasionally.
- Mowing, planting and regular maintenance
- Paving, fencing and hard landscaping
- Tree work, chemicals and powered machinery
Declare landscaping, excavation, tree work and chemical use separately where relevant. Check restrictions on machinery and the depth or height of work.
LOOK BEYOND THE POLICY NAME
Make the small print work for you.
Tree surgery and work near underground services can require specialist consideration. Do not assume a gardening policy automatically accepts every outdoor job.
What is not automatically covered?
Putting defective work right, wear and tear, deliberate damage and activities you have not declared can fall outside cover. Check the sections, exclusions and security conditions before you buy. Your own injury or inability to work may require separate protection.
COMPARE THE DETAIL, NOT JUST THE PRICE
What affects the cost of gardeners & landscapers insurance?
The work you do
Maintenance versus landscaping, tree work and machinery.
The people involved
Your team size, turnover and use of subcontractors.
The cover you choose
Liability limits, equipment values and any optional sections.
Your track record
Claims history, experience and the excess you select.
A lower price is only useful if the policy fits your work. Compare cover limits, excesses and exclusions together; there is no single price that suits every business.
READY WHEN YOU ARE
A few details.
A clearer starting point.
Tick off what you have to hand. Give accurate information and declare the full range of work you do.
Your trade.Your peace of mind.
STRAIGHT ANSWERS
Gardeners & landscapers insurance FAQs
What insurance do gardeners & landscapers need?
The right combination depends on your work, customers and team. Start with public liability, then consider tools, employers’ liability and any specialist cover. Declare landscaping, excavation, tree work and chemical use separately where relevant. Check restrictions on machinery and the depth or height of work.
Is tree surgery included in gardening insurance?
Not automatically. Tell the insurer about tree work, felling, climbing and the heights involved. Specialist activities can be excluded from a standard gardening description or require a different policy.
Can I cover hired landscaping equipment?
Hired-in plant cover may be relevant, but availability and limits vary. Check your hire agreement, the equipment value, theft conditions and any responsibility for continuing hire charges after a loss.
Are tools left in my van insured?
Not automatically. Tools cover may have vehicle-security requirements, overnight exclusions and single-item limits. A van insurance policy does not automatically insure the equipment inside it. Check both policies.
How much public liability cover should I choose?
Consider the potential size of a claim and any minimum required by a client, main contractor or site. Compare the available limits and exclusions rather than choosing purely on the cheapest premium.
Do I need employers’ liability if I work alone?
If you genuinely work alone with no employees, it may not be required. Taking on an apprentice, helper or labour-only subcontractor can change the position. Check how the law and the insurer treat your working arrangements.
Can I cover more than one trade?
Tell the insurer about every activity, including occasional jobs. Acceptance of one trade does not automatically cover another. Check the business description and let the insurer know before starting new types of work.
When can I get a quote?
Any time. Use the Get a quote button to answer a few quick questions about your trade, your team and the cover you need, and one of our team will call you back with a price. The checklist helps you have your business details, activities, tools values and claims history to hand for that call.
KEEP YOUR BUSINESS MOVING
A little more clarity.
YOUR WORKING VEHICLE
Cover for the van that gets you there.
LIABILITY LIMITSHow much cover should you consider?
YOUR EQUIPMENTUnderstand the details of tools cover.
Further reading: Employers’ liability requirements · ABI liability guide
BACK TO WHAT YOU DO BEST
Room for your business to grow.
Know what to look for. Be ready for your next step.
Get a quoteGeneral information, not a personal recommendation. Cover is subject to eligibility and policy terms.