Gardeners' insurance
Business insurance that grows with your gardening business
- Get standalone public liability insurance or build a policy with other covers 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?
Your day to day to job involves working on other people’s private property and using the various tools of your trade. You might even have a few employees to lend a hand, or maybe you’re providing experience to people who are just starting out.
Wherever your business takes you, protect it your people, and your tools with AXA. Here are some of the most common covers chosen by out landscaping and gardening customers.
Public liability insurance
Protect your business against claims by third parties with public liability insurance. If someone gets accidentally injured or their property gets damaged while you’re complete a job?
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-employed contractors your hire
- Temporary staff, apprentices, and volunteers
- People taking part in work experience or training schemes
Please note: If you’re running a business that only employs family members, or you’ve established a limited company where you’re the only employee, you don’t need to have employers’ liability insurance.
Find out moreOwn 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.
Can I get cover for my workshop?
Yes, as an optional extra, you can add workshop cover to your gardener's insurance policy. This covers the contents including tools, machinery, stock, and computer equipment at your premises. You can set a cover level tailored to your workshop’s value.
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 below to see some of the gardening occupations we cover.
We cover:
- Garden design
- Garden services (mowing grass, planting flowers etc.)
- Gardening
- Landscape architecture
- Landscape gardening
- Landscaping
- Lawn services
- Turfing services
Can’t see your occupation on this list? Simply start typing your occupation into the search function when you’re getting a quote and any matching occupations will appear.
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.
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 area where you're working
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 get a breakdown of the package we can offer you instantly.
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 quoteClick to 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 from wherever you are, at a time that suits you. Simply start a quote online today.
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 any time from your online AXA account space. Simply log in to your account and from 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.