Gardeners' Insurance
Navigate the risks that come with being a gardener or landscaper with a comprehensive insurance policy.
Why choose Howden for Gardening and Landscaping Insurance?
We know how difficult and stressful it can be for tradesmen to find the insurance policies they need, and that’s why we do our best to do the heavy lifting instead, so you don’t have to. Thanks to the brilliant relationships we have with our selected panel of both standard and specialist insurers, we’re able to make the process of sourcing various gardener and landscaper insurance cover options, on your behalf, simple and straightforward.
Here at Howden, our team of specialists also understand that each gardener’ insurance policy needs to be unique and tailored to each owner and their gardening and landscaping business. That’s why we provide personalised services to our clients, which focuses on getting to know you and your business better, whilst also learning more about what you want from your gardeners’ insurance policy.
So, what are you waiting for? Whether you need to make a claim, purchase a new landscape gardening insurance policy, or renew an existing one, just know that we’re always here to help.
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- We’re driven to save you time, money, and hassle.
- Benefit from a tailored service that comparison sites can’t provide.
- Speak with your local branch, within your community.
- We’re right by your side in the event of a claim.
Business insurance for gardeners and landscapers
For anyone that has experience working as a gardener or landscaper they’ll know about the risks that come with the job. Mistakes and accidents can happen at any moment, putting any gardening business at risk of being exposed to claims, which could be harmful.
However, that’s where a gardeners’ business insurance policy can help. Here at Howden, we’re able to offer gardeners and landscapers a comprehensive insurance package complete with all the business insurance products they need to support their business.
Whether its be public liability insurance, employers’ liability cover, or tools insurance, and much more, we have everything gardeners and landscapers need to protect their business so they can operate with peace of mind.
Do landscapers and gardeners need insurance?
Yes, landscapers and gardeners should get insurance policies in place, not only to protect their business, but also themselves. Whilst having insurance as a gardener or landscaper isn’t always a legal requirement, many clients may insist that you have insurance before they choose to work with your business.
Also, if your gardening or landscaping business has employees, you are legally required to have employers’ liability insurance.
As well as that, gardeners and landscapers can benefit from the protection and peace of mind that insurance policies can provide, mainly because of their ability to compensate, respond to claims when an accident happens or something goes wrong, and maintain financial stability within a business.
What kind of gardening businesses can we cover?
There’s no such thing as a one-size-fits-all gardeners’ or landscapers’ insurance policy, and that’s because there’re many different types gardening and landscaping businesses that need their own tailor-made insurance. We can support a wide range of gardening and landscaping business with insurance requirements, including:
- Gardening and Garden design services
- Lawn and Turfing services
- Landscape gardening and architecture services
Does your business not fall under any of these categories? That’s okay. Contact us today and a member of our team can discuss your insurance requirements with you, before helping you find a policy that makes the most sense for your business.
Public liability insurance for gardeners and landscapers - how does it work?
For gardeners and landscapers, and many other tradesmen, public liability cover is viewed as one of the most, if not the most, important insurance products.
Public liability insurance provides coverage for third-party bodily injury or property damage claims that arise from your gardening or landscaping business activities. For example, if a client or a member of the public is injured or their property is damaged due to your work, they may file a claim against you, meaning you mean have to pay compensation.
As well as that, if you’re found to be liable, public liability cover can financially protect your business by covering the costs associated with legal fees, compensation payments, and other expenses that may arise from such claims.
Many newly-starting gardeners and landscapers get public liability cover from day one, because they know how important it is for when it comes to minimising the impacts of things going wrong.
What insurance do I need for my landscaping or gardening business?
If we had to recommend an insurance to any gardener or landscaper, it would be public liability insurance. Public liability insurance is the go-to policy for tradesmen, purely because of the protection it provides to trade businesses in response to third-party claims, which are common in the industry.
However, we also wouldn’t recommend that gardening and landscaping limit themselves to just one policy. Below you can see the wide range of business insurance products that we offer to gardeners and landscapers.
Gardeners’ public liability insurance
The perfect cover to deal with any third-party claims that come your way.
Employers’ liability insurance
If your gardening and landscaping business employs employees, you’re legally required to get employer’s liability insurance.
Professional indemnity insurance
Do you offer professional advice as part of your service? Professional indemnity insurance can provide the cover you need.
Legal expenses insurance
The fees that arise from defending your business from legal disputes can add up. That’s what legal expenses insurance can cover.
Tools insurance
If your tools are lost, damaged or stolen, tools cover can fund the repairs or replacements that you need.
Personal accident insurance
This policy can support anyone that’s covered in the event that they have any accident and are no longer able to work.
Stock insurance
In order for day-to-day business activities to run smoothly, protecting your materials and stock is essential.
Hired-in plant insurance
What if equipment or machinery that you’ve hired from another business gets stolen, lost or damaged? Hired-in plant cover can help.
Own plant insurance
Protect your own heavy machinery and equipment with a policy that’s specifically covers what’s yours.
Contractors’ all risk insurance
Work delays can happen, and when it’s not your fault you need to be covered if a client isn’t satisfied.
Business equipment insurance
Business equipment cover does what it says on the tin; it protects your business equipment if it gets damaged, stolen or lost.
Business van insurance
Gardening businesses need to stay on the move, and this policy can ensure that if something were to go wrong with your business van.
Still not sure which business policies would be the right fit for your gardening business? Don’t worry, we can help. Call us today or visit us in branch and we can discuss your requirements, before helping you find a comprehensive gardeners’ insurance policy that’s right for you.
How much is gardening insurance?
When insurance providers calculate insurance premiums for gardener and landscaper policies, there’s various things they consider:
- The size of the gardening business
- The levels and types of cover the policyholder opts for
- Whether the policyholder pays an upfront lump sum or in monthly instalments
- The amount of policy excess that a policyholder is willing to pay
- The policyholder’s claims history
Ultimately, every insurance company has different terms and conditions to abide by, and each policyholder has unique insurance requirements, so no one policy will cost the same.
However, the best way to find out exactly how much your insurance premiums will cost is to get a quote. Get in touch with a member of our team and we can help you get your hands on a gardeners’ insurance quote that not only ticks all your boxes, but also doesn’t exceed your budget.
Any client of ours can also opt to pay upfront or by direct debit through monthly instalments. It's your call.
Who do we also insure?
Not only can we help gardeners and landscapers, but we can also offer cover for a wide range of other tradesmen, such as:
- Builders
- Carpenters
- Car Valets
- Cleaners
- Contractors All-Risk
- Contractors
- Electricians
- Gas Engineers
- Handymen
- Limited Companies
- Market Traders
- Mechanics
- Painters and Decorators
- Plumbers
- Roofers
- Sole Traders
- Subcontractors
- Tradesmen
- Tree Surgeons
- Window Cleaners
Related Articles
Want to learn more about insurance for gardeners and landscapers? Have a read of the articles below that you can find on the Howden Blog!
- All you need to know about the Public Liability Insurance Certificate
- What's the average employer's liability insurance cost?
- Which tools are the most stolen?
Gardening and Landscaping Insurance FAQs
What insurance does a self-employed gardener or landscaper need?
Self-employed gardeners and landscapers have a wide range of insurance products available to them that they can choose from. However, we’d recommend that, if you’re looking to get your hands on your first insurance policies, that you get liability insurance whether it be public liability cover or employers’ liability cover if you need, as well as tools insurance, commercial vehicle insurance and potentially legal expenses cover.
These business insurances that we’ve mentioned can offer an all-round, comprehensive coverage, but ultimately, you need to decide what you and your business needs, because the best insurances for you will depend on your own operation.
We can also help. Give us a call or visit us in your local Howden branch and we can go through your options with you and together built a gardeners’ insurance package that you can rely on.
Does a gardener need Professional Indemnity Insurance?
Whether a gardener needs professional indemnity insurance depends on the nature of their services and the potential risks involved. Professional indemnity insurance (PII) typically covers professionals against claims for negligence or inadequate work that result in financial loss or damage to a client.
While not all gardeners may require professional indemnity insurance, those offering specialised services or advice should carefully consider whether this coverage is necessary to protect their business and clients.
Do gardeners need Public Liability Insurance?
While public liability insurance is not legally required for gardeners and landscapers in all jurisdictions, it’s often considered essential because it protects your business from potentially significant financial losses. Additionally, some clients may require proof of insurance before hiring your services.
Imagine a scenario where you accidentally damaged a greenhouse whilst tidying up the garden around it. Or, what if you were working along a busy road and someone tripped over a piece of equipment you had left out on the pavement? Maybe you drop a tool and it hits someone by accident?
In each of these cases, the victim, whether it be a client or member of the public, has a right to make a claim and public liability insurance can cover the legal costs your business would have to pay to itself. Public liability cover helps businesses avoid paying compensation and legal fees out of there own pocket, which can only be beneficial.
Public Liability Insurance
Public Liability Insurance you can trust
Look no further than an insurance broker for essential protection against third-party damage and injuries.
Employers Liability Insurance
Liability cover that protects you, your employees, and your business.
It’s essential that you and your business are ready when the unexpected happens. Look no further than Howden’s employers’ liability insurance.
Tools Insurance
Don’t let lost or stolen tools slow down your business, get specialist tools cover
Feel safe knowing that you have a back-up plan should the worst happen, thanks to comprehensive tools insurance.