Gardening Public Liability insurance
Your cover options
Essentials
Our gardener's Essentials package includes Public Liability insurance and cover for Financial Loss.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Financial Loss £100,000
Classic
Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Accidental Death and Tools cover.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
Plus
Our most popular option, the Plus package builds on the Classic by further adding Personal Accident cover, which can be increased based on your needs.
- Public Liability insurance up to £5 million
- Employers' Liability insurance £10 million
- Professional Indemnity cover £100,000
- Financial Loss cover £100,000
- Accidental Death cover
- First £1,000 of Tools cover (can be increased to £15,000)
- Personal Accident cover up to £600 a week per person
Extras
Looking for extra insurances for your building work? We have a list of optional extras to give you the cover you need:
- Contract Works
- Owned Plant
- Hired in Plant
- Jury Service cover
Why do you need gardeners' insurance cover?
As a gardener, you know that no two days are the same – your job can be as unpredictable as the weather. One day you could be landscape gardening and designing flowerbeds and the next day digging and laying turf. Which means that your list of valuable equipment is as long as the hours you work. We know that you love the variety this brings - and being close to nature every day. But working with members of the public, often in their homes or businesses, means that you need peace of mind that you, your equipment, and the people you work with are covered, if an accident should happen.
Public liability insurance for gardeners
Out and about, on-site or at customers’ homes – you could be financially responsible if you’re the unsuspecting cause of an accident. Public liability claims can be expensive, and if you’re a small business owner this can have a devastating impact on your life. Whether it’s injury, loss or damage – a gardeners' job can be hazardous; damage to a clients property, a trip over some tools or a serious injury. Choosing the right level of public liability insurance with us means that you can continue to do the job you love, and keep your business blooming.
With 30 years trading experience and backed by Zurich Insurance, who pay out on 99% of valid claims, your gardening business is in safe hands with Trade Insurance Direct. Whether you need cover for liability, indemnity, injury or illness, we’re on your side and will aim to resolve any issues you have as swiftly as possible.
Why choose us?
- Up to £5 million Public Liability Insurance
- £1,000 tools cover with our Classic Public Liability Insurance
- £400 Personal Accident cover per week with our Plus Public Liability insurance
Types of gardening professionals we protect
- Sole Traders, Partnerships, Limited Companies and Limited Liability Partnerships
- Gardeners and gardening services contractors - as well as over 70 trades in building and construction
- Cover for an additional or secondary trade is available
- Insurance for up to 15 employees or trainees
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Gardening insurance FAQs
Looking for more information on whether gardening insurance is right for you? From general questions to specific scenarios, find the answer to your query.
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