We're here to help with insurance for gardeners

You wouldn't think of starting a job without the right equipment. Arranging insurance for your gardening business is no different. It pays to speak to our professionals, and that's why we're here to help you. 

The range of work you do as a gardener carries a range of risks. We understand the day-to-day risks and challenges you face, and we can help you find insurance for gardeners. 

  • Your tools, property and work, covered – gardeners insurance can provide cover for: tools and equipment you own as well as those you hire in or loan out; vehicles; property and materials on-site; and contamination or pollution caused by your work.
  • Bespoke cover – from sole traders to managers of teams of gardeners, our gardeners' insurance is designed around you.
  • Professional support – our expert team are on hand to answer any questions you have, resolve issues you encounter, and with any claims that arise.

How our team of gardeners’ insurance experts can help you

At Marsh Commercial, we're part of a global group with a local community focus. Our team of experts have years of experience supporting tradesmen and contractors like you. 

We take time to understand your needs to arrange the gardeners insurance that's right for you.

What cover can gardeners insurance offer?*

  • public liability
  • employers liability
  • subcontractor liability
  • contract works
  • plant
  • vehicles, including directors' cars
  • stored materials
  • tools in transit
  • groundwork risks
  • environmental clean-up.

*As with all insurance policies, terms and conditions apply. Contact us for full details.

Landscape gardeners insurance

We know the range of work you do as a landscape gardener carries a range of risks. So, you should have the right insurance in place to protect you and your business.

Handyman insurance

From fixing the guttering on a five-storey roof to tending to a light fitting in a domestic property, we know your work is varied and presents different risks to you, your staff or subcontractors, and the general public. You need handyman insurance cover that protects against these risks.

Tradesman insurance

We know the nature of your work can present many risks to you, your staff or subcontractors and the general public. You need cover that gives adequate protection against these risks and reassurance for your clients.

Frequently asked questions

Does a gardener need insurance?
Because you work with potentially dangerous equipment in all weathers, you face many different daily risks and challenges. It's important to protect yourself against these risks by having the right insurance in place. If your tools are damaged or stolen, you would have to pay to repair or replace them without insurance. This could potentially be a significant cost to your business. Your tools could also pose a hazard to members of the public. As a professional gardener, you should have public liability insurance for self-employed gardeners in place to protect against risks that may cause injury to the public or your customers. If you employ staff, you're legally required to have employers liability insurance. Professional indemnity insurance will cover any legal costs and damages you could be liable for, should you or your business make a mistake.
Does a gardener need professional indemnity insurance?
Mistakes happen; no matter how much attention you pay to detail, sometimes projects don't go to plan. As a gardener, you are liable to pay any legal defence costs and any compensation relating to claims of errors in the design or the construction of your gardening project. Professional indemnity for gardeners will protect against these costs if a claim is made against you.
How much is public liability insurance for gardeners?
The cost of public liability insurance for gardeners will depend on the level of cover you need. Get in touch with us to discuss your needs.