Gardeners Insurance

Brought to you by Towergate with insurance cover provided by Markel Direct.

  • Suitable for both sole traders or gardening companies
  • Protect yourself and your business with cover tailored to your work.
  • Access your policies and renewals through your online account with Markel Direct.

Towergate Insurance is working in partnership with Markel Direct. By clicking “Get a Quote”, you confirm you have read and understood the Towergate privacy policy and this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.

Towergate Insurance in partnership with Markel Direct
Gardener on kneeling on a lawn while he uses a trowel on a flowerbed with pots of plants ready for planting bedside him

Why choose gardeners insurance?

Trade

Gardeners' equipment and machinery insurance

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

People

Up to £5 million public liability for gardening

Public liability cover with popular limits of £1 million, £2 million and £5 million for gardeners and landscapers

Claim

Expert gardeners claims service

Dedicated claim handlers to give you peace of mind

Direct Debit

Pay for gardeners insurance by Direct Debit

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

About gardeners insurance

Tick

What is gardeners and landscaping insurance?

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.

Trade

Protection for equipment and machinery

You can choose 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.

Document

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.

Liability

Extension of cover for temporary workers

The 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.

 

By clicking “Get a Quote”, this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.

When you need to make a claim, Markel Direct will 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 Markel Direct claims team on 0344 748 0173 and explain what has happened.
Smiling women sitting on a rug on a parquet floor leaning on a sofa looking at her mobile

Ready to get covered?

  • Get a quote online
  • Make your selections and purchase your policy
  • Relax - you're covered!
Get a Quote

Gardeners insurance FAQs

Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).

Cover for occasional tree felling can be included up to 5m.

Yes, you can select 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 £1 million to £5 million. These can include schools, hospitals, hotels, restaurants, cafes, golf or sports clubs and estates.

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

Yes, you can include cover for 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.

To help you spread the cost of your premiums, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.

If you bought your policy before 5th June 2024, you can view all your documentation in your online portal here. If you purchased your policy on or after the 5th June 2024, you can access your documents here.

For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.

Read more FAQs

Gardeners insurance articles and guides

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Do I need a public liability insurance certificate?

A public liability insurance certificate which offers a summary of your policy is a great way to show you’re covered and put your clients’ minds at ease.

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10 Tips for Sole Traders

Are you operating as a sole-trader? Here are 10 tips on everything from sole trader insurance to your employees.

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Online Marketing Advice for Tradesmen

Spread word of your service to a wider audience and increase your customer base. Learn the latest online marketing tips for tradespeople here.

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How To Build a Reputation as a Trusted Tradesman

With homeowners feeling the pinch of rising bills, finding a trusted tradesman to complete any property repairs at a fair price is more important than ever for would-be customers. Property owners often find themselves under pressure to keep on top of essential maintenance, so choosing a new tradesperson can be a daunting prospect – and many customers won’t know where to start.

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Why Tradespeople Need Cyber Insurance

According to the Cyber Security Breaches Survey (2022), a whopping 39% of UK businesses identified a cyber attack in the previous 12 months. It is estimated that since January 2021 cyber crimes have cost UK businesses almost £3 billion (NFIB, 2022).

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