Landscapers Insurance

Landscapers insurance that grows with your business. Our policies provide your landscaping business and equipment with the protection you need when you are performing your landscaping, groundskeeping and maintenance duties.

About Landscapers Insurance


Standard cover

Cover for work at a depth of 2m and height up to 5m is included as standard.


Public liability cover

Public liability cover with popular limits of £1m, £2m, £5m and £10million available.


Equipment cover

'All risks’ cover included in our landscapers insurance to protect your equipment – from small hand tools to large ride-on mowers and everything in between.

Direct Debit

Pay for your landscapers insurance by Direct Debit

You can split your payment into 10 monthly instalments. For more details please visit our dedicated Direct Debit page.

Features of Landscapers Insurance

Standard cover

Protection for landscape gardener tools, equipment and machinery

We can provide cover for a range of landscaping equipment, including excavation machinery. This means you can feel confident in the knowledge that you are covered should you lose or damage your tools or machinery. (this excludes general wear and tear).

Liability cover for landscapers

As a landscaper you are likely to spend a lot of time working in public places. We can provide public liability cover from £1m up to £10m to protecting you for accidental loss, damage or injury caused to the general public and their property. We also offer employers' liability with limits up to £10m, meeting your legal requirements to ensure your staff are covered whilst working.

Landscape gardener cover for work at height and depth

Your job is likely to involve excavation, as well as working at heights and it is important that you are adequately covered in these instances. Our landscapers insurance includes automatic cover for work at a depth of up to 2m and a height of up to 5m, so you have peace of mind that you're covered for this work.

Additional extras for your landscapers insurance

We can build your landscapers insurance policy to suit you and your business needs. Additional covers include: personal accident, legal expenses and property cover. We also offer a bespoke landscape gardener insurance policy for larger businesses with a turnover in excess of £500,000.

Landscapers Insurance FAQs


Do you cover landscaping in non-domestic locations?


Yes, we can provide landscapers insurance cover for commercial, public and domestic locations. This includes schools, hospitals, restaurants, commercial premises as well as private homes.


Do you cover burning of garden debris?


Yes, this can be covered on a public liability policy, subject to safety conditions and risk assessments being in place.


Are labour-only landscaping sub-contractors covered in the same way that direct PAYE staff are under the employers' liability?


Yes. We can cover both types of landscaping employees for the same risks. It is vital that you declare how your workforce are employed, as this will affect how your risks are calculated.


I run a large landscaping company, can you provide cover for me?


Yes. We offer a bespoke landscapers business insurance product for companies with a turnover in excess of £500,000 which is designed to meet the needs of larger businesses with multiple employees. Speak to one of our advisers to find out more about this cover.


Are there any exclusions/conditions?


As with all insurance policies, there will be terms and conditions that will apply. We will supply you with full policy documents so that you can make an informed decision about the cover.


Where can I find more information about monthly Direct Debit?


To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for payment. We can spread payments over 10 months.

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

Relaxed Person Making Claim