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Gardeners Insurance

Public liability insurance for a gardener for less than £54* per year

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Tradesman Saver’s Public Liability Cover For Gardeners

Our standard cover is:

  • £1 million cover for public and products liability (with an option to increase to £2 million or £5 million)
  • £10,000 cover for any financial loss (£50K cover optional)
  • Worldwide liability cover for temporary work abroad for up to 14 days (excluding the USA and Canada)

There are many insurance options which would benefit your gardeners business, and public liability is one of the most significant. This protects you if your work ends up damaging a client’s property or injuring a client or member of the public. For example, you may need to pay compensation if a client trips over your tools and is injured or you accidentally knock over and damage a customer’s garden statue with your lawn mower.

Claims such as this can cost a small fortune but having public liability cover means you won’t be responsible for paying any of the resulting expenses. You can purchase this as part of our automatic package, which also covers you for financial loss, legal expenses, and more.

Other relevant insurance policies for a gardeners business include employer’s liability, which is a legal requirement for anybody who employs staff, and professional indemnity insurance.  Here at Tradesman Saver we have all the coverage you may need as a gardener and you can get your quote online in minutes.

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Your 60 Second Guide to Gardener’s insurance

How our gardeners insurance works

1 Apply Online

Complete our simple quote form with basic details about your business

2 Get a quote

Get an instant quote & choose any optional covers you may need

3 You’re insured!

Instantly activate your Tradesman Saver policy and view your certificates online

What is gardeners insurance?

Growing your gardening business hasn’t been easy – you’ve had your fair share of hiccups along the way. Whether you’re a solo gardener or own a gardening company, you’ve had to spend a long time nurturing your business to grow it into what it is today, and that’s why protecting it is so important.

Why do you need gardeners insurance?

At Tradesman Saver, we’ve worked hard to grow and learn too. We’ve worked with businesses like yours, and through their help, we’ve built an insurance policy specific to the needs of your trade, including public liability insurance, and every other insurance you’re likely to need. Tailor your policy with our online quote form, and let us protect you while you continue to grow.

How much does Gardener’s Insurance Cost?

At Tradesman Saver, you can protect yourself with our specialist insurance for gardeners for less than £54* per year.

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Chosen by over 5000 businesses and counting *

  • Online & Anywhere

    Online & Anywhere

    We like to keep things simple. Your quote, purchase and documents are all available online, anytime.

  • Monthly Instalments

    Monthly Instalments

    Cashflow is important to every business. Spread the cost by paying in easy monthly instalments.

  • Instant Cover

    Instant Cover

    No need to wait for your documents. Our tradesman cover starts from the date you select.

  • Added protection

    Added Protection

    Public liability, products liability, financial loss, legal expenses and accidental death cover as standard.

* Total number of live policies as of 31/01/2024

Landscape Gardener

We also cover landscape gardeners and landscape gardening businesses under our gardener insurance policy. Simply select the trade that suits you best on our online quote form when you go to get your quote.

Gardener’s Public Liability Insurance

Finding the right insurance to suit your gardening business can be tricky – especially with the large variety of insurance terms being thrown around. And with so much information to digest, it can be easy to get lost and end up thoroughly confused. However, it doesn’t have to be this way. Although there are a whole bunch of covers you should consider when taking out your insurance, the one you really need to know about is public liability insurance. Public liability insurance is absolutely vital as it basically acts as the glue that holds your whole insurance policy together. It provides cover for a host of accidents and incidents you might come up against, protecting you from any claims resulting from injury to third parties and damage to their property. It covers both claims from clients and members of the public alike and provides comprehensive all-round cover to ensure your business is protected, no matter what happens.

gardener mowing a very green lawn

It Shouldn’t Happen To A Gardener

Here are some examples of claims:


Example 1

You’re working on a garden and your employee is cutting the hedges on a ladder. The ladder is faulty and breaks while your employee is stood on it and they are injured in the fall. Your employee then decides to make a compensation claim against you. This is a situation where your employer’s liability insurance could save you from a massive pay out – with this cover, your insurer would cover the costs of the compensation, saving you from paying it out of your own pocket.

Example 2

You’re mowing a client’s lawn. As you’re mowing, a stone chips up from the mower and cracks your client’s window. They make a claim against you for the costs of repair. Fortunately, your public liability insurance is there to save the day – your insurer pays out the cost of fixing the window, leaving you free to continue focusing on your business.

*This indicative price is for £1m public and products liability, £250,000 legal expenses, £10,000 financial loss and £10,000 accidental death insurance cover for a sole trader. The price includes insurance premium tax but excludes our admin charge. 13% of new customers paid less than £54 between 1st January 2024 and 30th January 2024. The actual price you pay will depend upon your specific business requirements and will be affected by your trade, your claims history and the optional covers you select which are all priced separately during the quote process. This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s) © Copyright 2024 Tradesman Saver | Tradesman Saver and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check our financial services registration status on the Financial Services register.
Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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