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

Get a quote

Or contact us directly for a tailored gardeners insurance policy:

0344 346 0409
0344 346 0409

Mon - Thu 8:30am - 7.00pm, Fri 8:30am - 5.30pm, Sat 9:00am - 1:00pm
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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 landscape 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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How to be Self-Employed: A Guide

Starting your own business is one of the most exciting career moves you can make. More and more entrepreneurs are making the leap, with the number of self-employed people growing from 3.8 million in 2008 to 4.8 million in 2017.

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What to do After an Accident at Work

Correctly reporting and documenting accidents in the work place is an important part of your health and safety procedure. In this article you can find a step by step guide on what to do and how it may affect your employers liability insurance.

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A Guide to Public Liability Insurance

Public liability insurance could be the most important cover you have. Not only does it pay out for claims that could otherwise topple a successful business but in many cases not having it would put customers and partners off using your services. Our simple guide looks at the main features and pitfalls.

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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