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Insurance for gardeners

If you’re a professional landscaper or gardener, it’s important to protect yourself against the risks your business faces. Business insurance for gardeners is a tailor-made policy that can do exactly that. Here’s what you need to know...

Gardeners’ public liability insurance

As a gardener, you’re used to the changing of the seasons – whether that means you’re pruning trees before winter or mowing lawns in summertime. But one thing that never changes is the need to protect your business with the right insurance cover.

Public liability insurance for gardeners is a policy that provides cover in case you cause any injuries or damage any property during your gardening work. It's one of a number of types of insurance that should be considered by gardeners.

What insurance do I need for my gardening business?

You need to make sure you protect your gardening business with the right insurance cover. This could include:

Public liability insurance. This can cover compensation and legal costs if someone else is injured or their property is damaged because of your work.

Employers’ liability insurance. This is a legal requirement if you employ one or more people. It can protect you against compensation and legal costs if someone is injured or becomes ill as a result of working for you.

Tools insurance. Covers the cost of repairing or replacing your tools and equipment if they’re stolen or damaged.

Commercial van insurance. This can cover you if you use your van to carry your gardening tools, mowers or other equipment for business use.

How much does insurance for gardeners cost?

How much your gardeners insurance premiums cost will depend on several things, including: 

  • The size of your business
  • The type(s) of cover
  • The level of cover

As a starting point for gardeners, public liability insurance could cost less than £6.60[1] a month.

To find out how much gardeners insurance costs, compare business insurance with us at Compare the Market.

[1] 51% of our customers were quoted less than £6.60 per month in January - March 2024 for their public liability business insurance based on the monthly cost when paying for the policy in one annual payment, excluding any interest charged on instalment payments.

How do I find the right gardeners’ insurance?

We'll help you find the right gardeners’ public liability or other business insurance quickly, so you can spend more time outside doing what you do best. 

Just provide us with some details about you, your business and the cover you need, and we’ll do the rest. We’ll show you quotes from a range of trusted insurance providers in minutes, and you choose the policy that's right for you. 

See how much you could save on your gardeners’ insurance policy with Compare the Market.

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Frequently asked questions

Can I get self-employed gardener insurance?

If you’re a self-employed gardener, you can build a business insurance policy tailored to your needs. You might want to consider taking out the following types of cover to protect your income or business if something happens to you:

Do I need insurance for a landscaping business?

Yes, landscaping insurance is a good idea for business owners. In many cases it’s a legal requirement.

The reason why a landscaping company needs insurance could be because they employ members of staff. In which case, they’ll need at least employers’ liability insurance. You may also need a certain level of cover before companies will be willing to work with you.

Insurance for a landscaping business will be similar to gardening business insurance, because it will cover the same sorts of risks.

Here are some examples of types of liability insurance needed for landscaping businesses:

  • Public liability insurance
  • Employers’ liability insurance
  • Tools insurance
  • Commercial van insurance

Why would I need public liability insurance if I work alone?

If you’re a sole trader gardener, you might think there’s no chance of any accidents or property damage occurring when you’re working outside on your own. But what would happen if a member of the public tripped over equipment you’d left on a pavement, or a client's car got damaged while you were strimming, for example?  

You need to make sure that you have the means to pay for a claim without bankrupting you. This is when public liability insurance can be invaluable for a small business

What is employers’ liability cover for gardeners?

Employers’ liability insurance could cover you if one of your employees becomes ill or is injured as a result of working for you. If you employ one or more people or are a limited company with multiple directors, it's a legal requirement to have cover.

If you're not a limited company, it's not a legal requirement to have employers' liability insurance if the employees are immediate family members, though if a policy is in place it would still cover immediate family members working for you.

This may seem an unlikely situation if you're a gardener, but it may be that you employ a remote-working accountant or garden designer, for example.

What about commercial van insurance?

Your van is likely to be crucial to your gardening business, so think carefully when you choose your van insurance policy. You may be tempted to go for the cheapest third-party cover, but could your business continue without your van?

Also look at possible add-ons to your van policy, like contents cover for your tools and equipment.

Do gardeners need tools and equipment cover?

Gardening tools like lawnmowers are expensive, which means the cost of replacing them could be extremely high.

If your tools are stolen, not only will you need to replace them, but you might not be able to work in the meantime. This could lead to losing clients and money.

Having tools and equipment insurance means you’d be able to replace your tools quickly, without having to spend heavily to get replacements.

If you carry your tools around in your own van, you’ll also need the right van insurance. You can get cover for your tools while on the road and out on jobs, but look out for any potential exclusions. For example, if you leave your tools in your van overnight. That’s why it’s worth checking your policy to make sure your tools are covered at all times.

What other types of insurance might I need for a gardening business?

As you know, there’s more to gardening than just mowing lawns. You might be a landscape gardener or run a nursery, as well as offering gardening services.

That’s why you need insurance tailored to your specific business.

  • Hired-in plant insurance can cover equipment you’ve hired against damage or theft while they’re in your care.
  • Professional indemnity insurance can cover you against compensation costs if a customer is unhappy with your work or believes you to be negligent, causing them a financial loss.
  • If you also run a nursery, you might want to consider commercial property insurance as well as cover for your stock.

What do I need to get a gardening business insurance quote?

To get a quote, you’ll need to give us some details about you and your business, such as:

  • your trade
  • your business and home address
  • years you’ve been in business
  • employees
  • the type of work you do
  • your claims history
  • your cover options

Once we have the information we need, we’ll send you a list of suitable quotes to compare.

Author image Anna McEntee

What our expert says...

"Accidents can easily happen, especially when working outside in changeable conditions, so make sure you protect yourself with the right insurance cover. Shopping around and comparing a range of quotes could be a great way to save money on your business insurance.

But searching for all the different types of cover you may need for your gardening business can be time-consuming. Our search tool provides you with a quick, easy way to tailor your cover, so you can find the right business insurance in a matter of minutes."

- Anna McEntee, Insurance comparison expert

Why use Compare the Market?

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[2] As of April 2nd 2024, Compare the Market had an average rating of 4.8 out of 5 from 41,487 people who left a review on Trustpilot. The score 4.8 corresponds to the Star Label ‘Excellent’.