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GARDENERS INSURANCE

We're here to help with insurance for gardeners

We know the range of work you do as a gardener carries a range of risks. So, you should have the right gardeners' insurance in place to protect you and your business.
Because we understand the day-to-day risks and challenges you face, we arrange insurance for gardeners that offers: 

  • Protection for:
    tools and equipment that you own, as well as those you hire in or loan out
    vehicles used for your work
    property and materials that are lost or damaged whilst on-site
    contamination or pollution caused by your work

  • Bespoke cover – whether you're a sole trader or manage a team of gardeners, our gardeners' insurance is designed around you. You'll only pay for the cover you need.
  • Professional advice and support – throughout the life of your policy, we'll be on hand to help you with any queries, problems or issues you may have. We'll also support you if you need to make a claim.
  • Saving you time – leave the hard work to us; we'll search our selection of the UK's leading and specialist insurers to find the provider that suits you best.

How our team of gardeners’ insurance experts can help you

At Marsh Commercial, we have over 28,000 contractors who have chosen us to manage their insurance needs. That's almost £130m in gross written premium (GWP); you're in good company.

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.

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. 

We take time to understand your needs to arrange the gardeners' insurance that's right for you. So you can focus on your business.

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

Q
Does a gardener need insurance?
A
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.
Q
Does a gardener need professional indemnity insurance?
A
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.
Q
How much is public liability insurance for gardeners?
A
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.