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Gardeners Insurance

Grow your peace of mind with our gardeners insurance.

  • Cover for work at depth limits of up to 3m and height limits of up to 4m
  • A range of gardeners' equipment and machinery covered
  • Liability limits available from £1-10 million

Request a gardeners insurance quote suited to your needs

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Or contact us directly for a tailored gardeners insurance policy:

0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
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What does gardeners insurance cover?

What is gardeners insurance?

Our gardeners cover offers public liability insurance for gardeners and their clients. Our cover protects both you and your customers in the event of injuries or damage caused during work you are carrying out.

Protection for equipment and machinery

We provide cover for a range of gardeners equipment and machinery, including petrol lawnmowers, chainsaws, cutting equipment, hedge trimmers, ride-along mowers, and digging and excavation equipment.

Cover for gardening excavation

For excavation for landscape gardening, including up to depths of 3m, we provide full cover for you and your equipment.

Extension of cover for temporary workers

Our flexible cover can extend to short-term and temporary workers you employ for particular jobs, meaning you can easily add extra resource when needed and remain fully covered.

Gardeners Insurance Claims

In the event of a claim please give us a call and we will talk through your claim and help guide you through your next steps in the process.

Need to make a claim?

Call us on:

0344 892 1384

Or email us with:

  • Your policy number
  • A contact number
  • Details of your claim
  • Relevant photos

Gardeners Insurance Articles & Guides

Get tips and advice from our industry experts to ensure you get the best out of your gardeners insurance.

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Gardeners Insurance FAQs

Do you cover tree felling as part of your gardeners insurance?

We can offer tree felling cover of up to 15m as a optional extra. For a further excess this can be extended to any height on request.

Do you cover gardens in non-domestic locations?

Yes, we can provide gardeners cover for gardens in commercial, public and high-risk locations, to meet the extra protection required. These can include schools, hospitals, restaurants, cafes and marinas.

Do you cover burning of garden debris?

Yes, this can be covered by gardeners liability insurance, subject to safety conditions being followed.

Are labour-only gardening sub-contractors covered in the same way that direct PAYE staff are under the employer’s liability policy?

Yes. We can cover both types of gardening employees for the same risks. It is however vial to declare how your gardening workforce are employed, as this will affect how your risks are calculated.

Can I pay in instalments?

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

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