Gardeners Insurance

Grow your peace of mind with our gardeners’ and landscape contractors insurance. 

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

Call us on 0330 173 9667 or get a quote online.

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Why choose gardeners insurance with Towergate?


Gardeners' equipment and machinery insurance

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


Up to £10 million public liability for gardening

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


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. Please read our dedicated page on Direct Debit

About gardeners insurance


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.

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 03308 281 239 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Select your insurer and price
  • Relax - you're covered!
Get a Quote

Gardeners insurance FAQs

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.

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 £1 million to £10 million and higher as required. 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, 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.

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.

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

Read more FAQs

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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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