Why do gardeners and landscapers need insurance?
What insurance is available for gardeners and landscapers?
Some gardeners may also customise their business insurance by adding professional indemnity insurance, cyber and data insurance or legal protection – which can come in handy for contract or payment disputes.
Equipment breakdown insurance could help if tools stop working due to a mechanical fault, while business contents insurance could insure the work equipment inside your premises.
These are just some of the types of business insurance for landscape gardeners that we can offer. We can provide other specific types of cover and build them into a policy that’s tailored to the exact needs of your business.
Get your quoteInsurance for gardening and landscaping: FAQs
How much is public liability insurance for gardeners?
The amount gardeners might expect to pay for public liability insurance depends on where and how they work. If you run a large gardening business that’s often contracted by local authorities to maintain parks, your employees might have more frequent contact with the public than gardeners on a private estate. Similarly, landscaping may come with a greater risk of accidents – so, if you dig ponds or transport patio slabs, you might choose to purchase more insurance cover.
At Hiscox, we put you in control of your own business insurance. Whether you’re a self-employed landscaper or you oversee a team of gardeners, the public liability insurance cover limit is yours to set.
What insurance do I need if I am a self-employed gardener?
Public liability insurance can be helpful for a self-employed gardener since there’s always a risk something could go wrong when a customer or other third party is nearby. Other potentially useful types of cover include legal protection insurance – which helps with covering legal expenses and offers free access to legal and tax advice – and tools cover.
If a self-employed gardener takes on some temporary help, employers’ liability insurance might be legally required – even if you usually work alone. Find more self-employed insurance options to tailor cover to your profession.
How much does landscape insurance cost?
The cost of landscape gardening insurance varies according to the cover types you choose to add to your policy and the limits you set for each. These decisions are personal to each business – you might choose to simply ensure liabilities are covered, or you might want the reassurance that there’s support available if someone complains about your service or hacks your website.
Insurance for landscape gardeners starts at £7.85 per month*. The more cover types you add to your policy, the higher a quote might be.