Gardeners Public Liability Insurance

Specialist business insurance for gardeners and landscape gardeners from £3.96* a month.

  • Public Liability Insurance for Gardeners
  • Tools and equipment cover
  • Employers’ Liability
  • Join over 150,000 customers**

From £3.96* a month

Trusted by thousands...

Our reviews speak for themselves, with highly rated reviews from over 3,000 customers.¹

What does gardening insurance cover?

Our insurance for gardeners offers the essential busines cover you need to protect against potential claims, ensuring you operate securely and avoid financial losses. With public liability included, you also have the option to add extras like Employers’ Liability, Contractors Works cover, Plant & Tools cover, tailored to the specific needs and size of your business.

Our policy is flexible to your needs. You can customise our Contractors All Risk cover to meet your specific requirements. Choose the level you need for contractors works, plant and tools you own and hire. If you select one or all of these extras, employee tools and personal effects will be included, up to £500.

Make sure you have the correct insurance for your trade and be sure to check if any exclusions are relevant to what you have planned in policy documentation.

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Public Liability

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Employers' Liability

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Contractors Works

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Plant & Tools

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Financial Loss

Why do gardeners need insurance?

When you’re on a job, the last thing you want to worry about is what might go wrong. That’s where our gardeners insurance cover steps in, giving you the confidence to focus on your work without the fear of financial setbacks from potential claims.

Here are a few examples to demonstrate why you need gardener insurance:

Protection from claims if a client suffers an injury.

If you’re operating at the property of a client, it’s possible a third party could sustain an injury as a result of your work here, leading to a claim against you.

Having public liability insurance for gardeners can protect you as a tradesperson from costly claims that arise because of these incidents.

An employee, temporary worker or volunteer suffers a workplace accident.

If employees or temporary workers are involved in an accident on a gardening project they could bring a claim against you for medical expenses, rehabilitation costs, and lost wages.

Employers’ liability is a legal obligation to protect you from these situations, with fines of £2500 per day for failing to comply.

Accidental damage caused to plant and tools you own or hire.

As a self-employed gardener you have access to specialist tools and plant equipment, to aid you in providing the work you are undertaking. These tools could be frequently subject to damage and loss.

Without Plant and Tools insurance, you’d have to cover the cost of replacing these expensive tools, which could impact your earnings. However, with the insurance in place, the cost of repairing or replacing your tools would be covered, allowing you to continue your work without financial worry.

Our experts explain why...

“Gardening work presents unique seasonal challenges and varied risks – from potential damage to prized plants and garden features to liability concerns with machinery and chemical treatments. Our specialist trade insurance understands the diverse nature of gardening services, providing comprehensive cover for your equipment, materials, and the seasonal fluctuations in your work. Whether you’re maintaining small domestic gardens or managing large commercial landscapes, we protect against plant damage claims, machinery accidents, and weather-related setbacks, allowing you to nurture outdoor spaces with confidence.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does gardener's insurance cost?

The cost of gardening insurance can vary widely depending on several factors, including the size and scope of the project, the location of the project, the type of cover needed, the insurer, and the risk factors associated with the project.

For example, if you employ staff then your policy will need additional cover in Employers’ Liability, at a higher cost. At Protectivity, prices start from just £3.96* a month.

Prices from

£3.96* a month

Explainer Quote

Policy cost

£3.96* a month

Policy type

Gardener

Duration

Annual

Turnover

Up to £250,000

Public Liability

Up to £1,000,000

This example is based on a real quote from our website on 06/03/2025. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your gardeners public liability insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
Asked Questions

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This page content has been created for general information and should not be taken as advice.

*Prices quoted refer to a quote raised from our website 06/03/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.

** Based on Protectivity sales data from 2007 to Sep 2024

¹Based on live Feefo data