All gardeners and landscapers will know the risks they face at work are endless and accidents can happen when you least expect them. You need the right insurance in place to ensure you are protected should something unexpected happen.
With so many options available, it can be hard to know which to know which insurance covers you need to protect your gardening business; that’s where we can help.
We can arrange flexible covers that can be tailored to your requirements so you only pay for the cover you need. If you know what you want it’s easy to compare quotes online in a matter of minutes making arranging your insurance simple and hassle-free. Alternatively, if you’re not sure what insurance you need and would like advice, call us to speak to our advisors who can guide and help you to find the right insurance for you and your business.
Gardening is a tough yet rewarding profession. Your service helps people to enjoy their gardens without worrying about maintenance amidst their busy lifestyles. Without gardeners’ insurance, however, you may leave yourself open to claims against you for damage, injury, or any other unforeseen events.
Your policy can be tailored to your requirements so that you only pay for the cover you really need. Insurance for gardeners is designed to protect your livelihood against a number of eventualities that can lead to a financial loss.
If you know the covers you require, it’s quick & easy to compare contractors & self-employed quotes from a selection of insurers on our website.
Unsure of your cover requirements or looking for insurance advice? We’ll call to arrange a new insurance quote at a time that’s convenient for you
Our advisors are just a phone call away. On average, we answer calls within 90 seconds. Lines open Monday to Friday 9:00am–5:00pm
Any gardener knows that mistakes and accidents can happen while carrying out their work, and that’s where having gardeners’ insurance comes in. Gardener insurance is a package of business insurance covers designed to cover the work that gardeners carry out each day. You may be working alone, or hiring staff to help out; so whatever your needs, we can arrange the right gardener insurance cover for you.
When deciding what insurance and covers you need to protect your business, you should consider the following:
Public liability cover is the starting point for your gardeners’ insurance, as it can safeguard against claims for accidental injury to any third party, or accidental damage to their property. For instance, if you accidentally knocked over an ornate birdbath, or a customer fell over your tools, public liability cover could take care of any compensation awarded as a result, as well as legal and medical costs incurred.
If you employ anyone to help you, you will need to ensure that you include employer’s liability cover in your gardening insurance policy. This can protect you should your staff, during the course of their employment, accidentally injure themselves.
Personal accident cover for business owners should be considered, to provide protection in the event that you injure yourself and are unable to work. For instance, if you cut your hand badly, you may struggle to fulfil your daily duties at work so this cover can provide a weekly benefit to tide you over while you get back to full health.
As a gardener, you’ll require a number of tools and specialist products to do your job effectively. If you have an office or storage or lock-up for your equipment you should also consider cover for your buildings, contents and equipment.
Consider business interruption cover to protect your income should you suffer damage at your premises meaning you are unable to trade. With varying levels of cover available, you can select the cover that’s most relevant to you meaning you only pay for the cover you need. Just give us a call for advice on the covers you may need.
Gardening professionals are often required to provide deisgns and advice to clients. If you provide a professional service, or advice to customers, professional indemnity insurance should be considered as an essential cover for your business. It can cover compensation for losses you are legally liable for if you make a mistake or give negligent advice which results in a loss to the customer or in the event the work you carried out is deemed to be defective, inadequate or fails to perform. Call us today to discuss adding professional indemnity cover to your gardener insurance package.
A commercial vehicle or van could be a crucial part of your business as an gardening contractor; whether it’s for transporting new plants and equipment such as lawnmowers or even just getting to and from your clients, we understand the need for a quality cover that gives you peace of mind. Take a look at the business van insurance page to find out more about van insurance for gardeners.
Commercial legal expenses can also be included within your gardener’s insurance policy to protect against tax and VAT disputes, damage to premises, personal injury and jury service allowance.
You may also wish to look at protecting your tools and equipment against damage or theft. You can protect a range of tools from lawnmowers to secateurs, to hired in plant and equipment. These can be included in the level of cover that is most suitable for you and can also be extended to cover employees’ tools as well.
Without the right gardener insurance in place, you may be personally responsible for any losses that occur, as well as any third-party claims that could be submitted against you.
All of these covers can typically be combined to offer a comprehensive gardening contractor insurance package that is tailored to your unique requirements. Our specialist insurance advisors can help you find the cover that’s right for you by offering professional insurance recommendations over the phone based on your requirements. Alternatively, if you know what covers you need, compare prices online from a panel of some of the UK’s leading insurers in a matter of minutes. Protect your business today, don’t risk jeopardising your livelihood.
At Premierline, we offer gardener insurance that can be as simple or comprehensive as you require depending on your business needs. When thinking about what insurance and covers you need to protect your business, you should consider the following:
More information
The cost of gardener insurance depends on a range of factors including the size of your business, and the level of cover that you require. Get a personalised quote online or contact one of our business insurance specialists to find out how much your gardener insurance might cost to protect yourself and your business from unforeseen circumstances.
We have many years of experience arranging gardener insurance so we’ve really got to know the covers that gardeners require. We are here to make sure that you have the best covers to protect you against the risks you face daily.
You can protect your business online in just a few minutes if you know what you want, or if you need some advice call us to get a gardener insurance quote today.
Gardeners’ insurance is suitable for freelance gardeners, horticultural experts, garden design and build services, landscape gardeners, and many other similar gardening trades. If you are simply providing grass cutting or grass treatment services, then this type of policy may also give you the cover you need.
At Premierline, we can tailor a gardeners’ insurance policy to suit your needs and give you the protection you need for your livelihood to let you work without worry.
Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.
We understand the nature of running your business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging insurance for your contracting business simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.
Award winning service
We're trusted by thousands of SMEs across the UK
Comprehensive protection
We can help with all your commercial insurance needs
UK based experts
Located in Lancaster, our advisors are here to help
“Andy was great. He went to extreme lengths to sort my insurance needs. He's a real asset to the company - so helpful and professional in his manner.”
Technology is changing the way contractors operate their businesses As a contractor, you are busy. Your job is never done, and you’re often juggling multiple projects at once. You need…
Getting the status of your subcontractors correct Because many construction projects are complex, with a different set of skills required to carry out the various parts of the project, many…
The benefits of using telematics in a commercial vehicle Some businesses rely on their commercial vehicles to be able to carry out their activities, but the use of commercial vehicles…
The price of owning a van in 2024 For many businesses and trades, the daily use of a van is essential for carrying out normal business activities, from transporting tools…
How to protect one of your most important tools As a tradesperson, the majority of work that you do will be with your hands, and this kind of work in…
Choosing footwear that is suitable but comfortable As a tradesperson, your feet are more liable to injury than if you worked in a different industry, so making sure that you…
Having the right contractor insurance not only demonstrates professionalism but also your care and commitment to keeping your clients property safe. Whether you’re a plumber, a joiner, or a handyman,…
The safety net of business insurance is only as strong as the figures it’s built on. In today’s volatile economic landscape, many UK business owners are discovering too late that…
Tools are the backbone of your trade, and without them, work stops. But as many tradespeople in the construction business know all too well, tools left unattended overnight are a…