Insurance For Gardeners

We know not all gardening ventures are the same. Whether you’re a sole trader or have your own small gardening business, we can help insure the following gardening-based businesses:

• Garden design
• Garden services (mowing grass, planting flowers etc.)
• Gardening
• Landscape architecture
• Landscape gardening
• Landscaping
• Lawn services
• Tree Surgeons
• Turfing services

Can’t see your service? It’s likely we can still help. Start a quote online to see your options.

If you don’t take out sufficient insurance, you could be liable to pay out hefty legal fees or compensation in the following cases:

• You accidentally damage a client's property
• You injure someone while working
• Someone steals your valuable gardening tools
• A client sues over poor landscaping results
• An employee is injured on the job

Gardening insurance helps cover your back if a claim is made against you. Some clients may also insist on you having insurance in place before working with you, so it’s essential to think about this when securing new trade.

Prices could start from around 23p per day*.

No two insurers are the same, so it’s difficult to give a solid figure for costs. What you pay depends on a number of factors, including: 

• Extent of cover - The more coverage you opt for, the more expensive your package is likely to be. 
• Your insurer - Insurers have different rates and appetites, which will cause the premium to vary by insurer. 
• Location  – Where you work is taken into consideration when calculating the price of your premiums. 
• Claims history - Whether or not you’ve had previous claims made against you or you have made previous claims may affect your future premiums.

_{*The price is for a pub customer  – 10% of customers who were sold with one of our panel providers paid £733.17 or less annually (excluding any additional administration fees) between 01/01/25 & 31/12/2025. Equivalent to £61.10 a month or £2.01 a day (and excludes the extra costs for paying monthly). Your actual policy and price may vary depending on your business requirements.}

If you run a landscaping business, you’ll still need to consider insurance - especially if you employ anyone else, as you’ll need to take out employer’s liability insurance. If you don’t, you’ll be breaking the law.

Although not a legal requirement, other types of cover should be considered, including public liability. If you regularly work on other people’s property or land, then this type of cover can help protect you if you damage someone’s property and they make a claim. It also can help protect against injury claims from the public as a result of your work.

If you don’t take out this type of insurance, you run the risk of paying out compensation or, even worse, being taken to court - resulting in hefty legal fees.

Yes, we can provide cover for business activities that include tree-felling, tree surgery and other types of gardening activities with machinery. It’s important to tell your broker if you work with heavy machinery to ensure sufficient coverage and an accurate quote.

When working with heavy, expensive equipment like chainsaws, pulleys or forestry machinery, it’s a good idea to insure them against damages. Business equipment insurance can help protect your valuable machinery against theft or damages.

Most insurers have terms and conditions that you need to abide by when it comes to storing your equipment before putting in a claim. 

If you’ve hired equipment for a job, you could end up damaging someone’s property or cause an injury. In this case, it’s a good idea to have public liability insurance to help cover your back. 

If you frequently hire machinery for work purposes, it’s best to let your broker know so they can make sure you have sufficient cover in place. It’s also important you read the terms and conditions of your hiring contract to know if you are responsible for insuring the hired equipped or not as part of the agreement.

At Bionic, we celebrate and champion UK business owners and want to help in every way we can. That’s why we use a team of knowledgeable insurance brokers who work with a panel of trusted insurers to find you the right cover. 

Our UK-based team helps business owners daily, using smart technology to compare quotes to find the right one that fits. Get in touch with us today by starting a quote online.