Business insurance that grows with your gardening business

Green fingers can turn their hands to many things. You might work in architectural or garden-based landscaping. Maybe you design flowerbeds, lay turf, mow lawns or plant flowers.

Gardeners and landscapers may need a variety of different cover that depend on the kind of jobs you work on. For example, landscape architects who design gardens for the customers will require slightly different cover to your everyday gardeners who stick to tending lawns and flowerbeds.

What kind of gardening business do you cover?

We cover several types of gardening business. Not sure if we cover yours? Take a look at the list below to see who we cover.

We cover:

  • Garden design
  • Garden services (mowing grass, planting flowers etc.)
  • Gardening
  • Landscape architecture
  • Landscape gardening
  • Landscaping
  • Lawn services
  • Turfing services

Public liability insurance for gardeners

Protect your business against claims by third parties with public liability insurance for gardeners. No matter how careful you are, when you’re working on someone else’s property, there’s always the risk of causing an expensive accident.

What if the mower you’re cutting grass with catches a stone and breaks a window? Or if someone trips over a tool you’ve left lying out? Public liability insurance for gardeners will help you handle legal fees and compensation costs.

You’ll also get:

  • Cover levels starting at £1 million as standard and ranging up to £5 million
  • Temporary staff covered – up to 50 days a year free
  • £250 compensation per day for court attendance to defend a claim made against you

Do gardeners need tools or equipment cover?

From leaf-blowers to lawnmowers and clippers to trowels, a gardener’s kit contains a multitude of tools. And it’s important to look after them, in case they end up damaged or stolen. With AXA’s own plant, tools and equipment cover, we’ll help you protect your precious equipment and offer replacement costs if the worst happens.

Not sure what insurance is right for you?

If you’re just starting out on your business journey then you might not know what type of cover you need, or you might be overwhelmed with the different choices. Not to worry – our Business Insurance Wizard can help you understand the types of cover that are best suited to business like yours.

It’s simple – answer a few easy questions about your business and the type of work you do, and our handy tool will tell you the covers that apply to your business. Ready to go?

How much does landscaping and gardening insurance cost?

Every business is unique, and so is their insurance cover. The best way to find out your price is to get a quote. It’ll only take a few minutes, and you’ll get 10%* discount if you choose to buy online.

You can also choose to pay annual in one lump sum or pay in monthly instalments - so you can pay for your policy in a way that fits your business and its finances.

Get a business insurance quote


What insurance does a gardener or landscaper need?

Take your pick from the covers below and choose the protection that’s right for you.

Public liability insurance

Protect your business against claims to cover damages and legal costs that people make against you.

Find out more about public liability insurance

Employers’ liability insurance

Cover for your employees if they get injured or become ill as a result of working for your business.

Find out more about employers liability insurance

Own plant, tools and equipment

Protect the tools you own in case of accidental loss, theft or damage. We can help you cover tools (including power tools), machinery, trailers or caravans – plus stock up to the value of £2000.

Hired-in plant equipment cover

If you’re renting specialist gear (such as diggers, cement mixers etc) our hired-in equipment cover will protect them if they’re damaged or destroyed in your care.

Frequently asked questions

How do I get insurance for my gardening business?

Getting business issuance for your gardening business is simple and you can do this online form wherever you are, at a time that suits you. Plus, buy your insurance online with AXA and you’ll get an automatic discount of 10%*. GET A QUOTE.

Are landscaping and gardening different?

Yes, landscapers and gardeners are different. While both jobs involved looking after gardens and plant life, there are small differences between the two.

A gardener is typically focused on the health and wellbeing of plants and maintaining any plants or grassy areas of a garden. Whereas landscapers are, as the name suggests, focused on the landscape. This could include walls, patios, and pathways and providing designs or suggestions for how to elevate the look and feel of a garden or other outdoor space.

Do landscapers need different cover from gardeners?

No, in most cases landscapers and gardeners will need the same types of insurance to cover the work they do.

Can I change my cover if I need to?

Yes, you can change your cover at anytime from your online AXA account space. Simply log into your account and form there you can add or remove covers, or change the level of cover required.

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*This discount is applied automatically and lasts for the lifetime of your policy.