Public liability insurance for a gardener for less than £55 per year
Not on comparison sites — save money by coming direct to us
Compare QuotesOur standard cover is:
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.
Save on your insurance Customers are always telling us how much they saved by switching
Trusted for over 40 years We’ve been providing insurance to businesses since 1984
Financial Strength All insurance policies provided by Standard & Poor’s A rated insurers
Our Tradesman Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
Complete our simple quote form with basic details about your business.
Compare quotes from our panel of insurers & chose any optional covers you may need.
Choose the quote that’s right for you, activate your policy and view your certificates online.
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.
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.
At Tradesman Saver, you can protect yourself with our specialist insurance for gardeners for less than £55 per year.
* Total number of live policies as of 31/10/2025
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.
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.
Here are some examples of claims
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.
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.
From only£55per year 
From only£75per year 
From only£55per year 
From only£55per year 
