Gardeners Insurance

Gardeners Insurance

Grow your peace of mind with our gardeners’ and landscape contractors insurance. Whether you are a sole trader or run a gardening company, working outside has its unique set of risks. Protect yourself and your business with cover tailored to your work.

About Gardeners Insurance

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Gardeners' equipment and machinery insurance

A range of gardeners' equipment and machinery covered on an all risks basis including hired in plant if necessary.

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Up to £10 million Public liability for gardening

Public Liability cover with popular limits of £1million, £2million, £5million and £10 million or higher available for gardeners and landscapers

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Expert gardeners claims service

Dedicated claim handlers to give you peace of mind

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Pay for gardeners insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments.

Features of Gardeners Insurance

Standard cover

What is gardeners and landscaping insurance?

Our gardeners cover offers public liability insurance for gardeners, groundsman and landscapers. Covering legal defence costs and compensation awards arising from injuries to members of the public and or damage to their property due to your negligence arising from the work you are carrying out.

Protection for equipment and machinery

We provide cover for a range of gardeners and landscaping equipment,/ machinery, including lawn and groundcare, handhelds, cordless chainsaws, cutting equipment, hedge trimmers, ride-along mowers, digging and excavation equipment etc.

Cover for gardening excavation

For excavation work forming part of your landscape gardening, including depths to 3m from ground level. Liability cover for you and your equipment.

Extension of cover for temporary workers

Our flexible cover can extend to include short-term and temporary labour employed for particular jobs, providing flexibility and simplicity to cope with resources for new contracts and seasonal demand.

Gardeners Insurance FAQs


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


Cover for occasional tree felling can be included up to 15m as an optional extra. Full-time arboriculturists will need a specialist tree surgeon insurance to meet the higher risks presented. Contact us with your specialist needs.


Do you cover gardens in non-domestic locations?


Yes, we can provide gardeners public and employers liability cover for gardening and landscape contractors working in gardens at commercial, public and high-risk locations. Public liability is available for limits from £1m to £10m and higher as required. These can include schools, hospitals, hotels, restaurants, cafes, golf or sports clubs and estates.


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 labour only gardening sub-contractors, as well as PAYE staff for the same risks under your EL (Employers’ Liability) cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.


Can I pay for my gardeners insurance 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.


Where can I find more information about monthly Direct Debit?


If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 0344 892 1384 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

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