Gardeners insurance
Business insurance that grows with your gardening business
- Get standalone public liability insurance or build a policy that works for you
- Add or change your cover as your business grows all from your online account space
- Easy online quote process to help direct you to what you need
What insurance does a gardener or landscaper need?
Public liability insurance
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.
Find out moreEmployers’ liability insurance
If an employee gets injured or falls ill because of their job, you’ll be liable for any claims. Employers’ liability is a mandatory cover under the Employers’ Liability Act 1969 for any businesses that have people working for them.
This includes:
- Full-time and part-time employees
- Self-employeed contractors your hire
- Temporary staff, apprentices, and volunteers
- People taking part in work experience or training schemes
Own plant, tools and equipment
Own plant tools and equipment is there to protect the tools that you own in cases of theft or accidental damage.
You can cover tools (including power tools), machinery, trailers or caravans – plus stock up to the value of £2000.
Hired-in plant equipment cover
Sometimes, you don’t have the tools you need for a particular job and need to hire them in. When this happens, we’ve got your back.
If you’re renting any equipment (such as diggers, cement mixers etc) our hired-in equipment cover will protect them if they’re damaged or destroyed in your care.
Have a van you need to protect?
No matter where your latest job is, you’ll need to get yourself and your tools from A to B. If you have a van that you use for your business, you’ll need to have Van Insurance.
With van insurance you’ll be covered for carrying goods, tools, and equipment to and from jobs as part of your normal working day.
Want to learn more about Van insurance?
Do gardeners and landscapers need insurance?
If you have anyone working for you, regardless of their employment status, then you’re legally required to have employers’ liability insurance. This ensures your staff are protected if they fall ill or are accidentally injured because of their job.
Business insurance may also be a requirement of your clients before they start working with you. This is especially true you’re undertaking work for organisations like the council, schools, or authorised bodies.
What kind of gardening businesses 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
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.
Several factors influence the price you pay, such as:
- The types and levels of cover you choose
- How many employees (if any) you have
- The size and location of your business
The quickest and easiest way to find out what your policy is likely to cost is to get a quote. You can do this online – and you’ll get 10%**!
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.
Ready to get started?
Get a business insurance quoteFrequently 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%*.
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.
Both occupations require the same types of cover, primarily: public liability, employers’ liability, tools insurance and professional indemnity insurance.
Please note: We offer dual trades, so if you find that your business falls under both categories you can add both when getting a quote.
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.