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Tailored gardeners insurance quotes

All gardeners and landscapers will know the risks they face at work are endless and accidents can happen when you least expect. 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 choose; that’s where we come in.

We can arrange flexible cover 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 today to speak to our advisors who can guide you and help you to find the right insurance for you and your business.

Why choose us?

  • Compare insurance quotes
    Right cover, right price
  • Protect your business online
    It's simple and hassle free
  • Expert advice in just one call
    Insurance tailored to your needs
  • Monthly payment options available
    Your business, your budget
  • Excellent customer service rating 
    Rated 4.6/5 based on 192 Feefo reviews

Start your insurance quote:

For advice:   
Request a call back

Insurance for gardeners

What insurance do gardeners need?

Gardening is a tough yet rewarding profession. Your service helps people to enjoy their garden without worrying about maintenance amidst their busy lifestyles. Without gardeners insurance, however, you may leave yourself open to claims against you for damage, or 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.

Gardener insurance covers

Gardener public liability

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.

Employers' liability for gardeners

If you employ anyone to help you, you will need to ensure that you include employers' liability cover to your gardening insurance policy. This can protect you should your staff, during the course of their employment, accidentally injure themselves.

Gardener tool insurance

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.

Personal accident cover

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.

Commercial legal expenses

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.

Compare gardener insurance quotes with Premierline

All these covers can be tailored to suit your needs and give you the protection you need for your livelihood to let you work without worry.

Gardeners insurance is suitable for freelance gardeners, landscape gardeners, and many other similar trades. If you are simply providing a grass cutting service, then this type of policy may also give you the cover you need.


As a customer you'll get exclusive access to our Business Toolkit with resources from the experts and our Retail Rewards with discounts on big name brands.

Covers to consider:

  • Tool and equipment cover
  • Public liability
  • Employers' liability
  • Personal accident cover
  • Commercial legal expenses

Start your insurance quote:

For advice:   
Request a call back

"I’ve used Premierline for my work insurance for a few years now. They always find me such competitive prices. As a small business owner I really couldn’t afford the prices when I looked online myself especially after having had no work for 7 weeks when Covid-19 first hit. So it was a huge relief to find a policy I could afford and be ready for when work started to pour in."

Mrs Bridger, Cleaning Contractor, Devon (Customer since April 2017)

"I rang Premierline just to check other insurance offers, after my sky high renewal from my previous insurer. The adviser was friendly and very easy to understand and talk to and he got me a fantastic deal. Very happy.”

Mrs McCall, Pet Shop, North Shields (Customer since January 2021)

"Overall, Premierline offered a great service in securing my annual Professional Indemnity insurance. It was a very simple process and everything was explained well."

Mr Jones, Marketing Consultancy, Manchester (Customer since September 2021)