Your cover options

Essentials

The gardeners’ liability insurance 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

The 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 for gardeners -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 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
Garden Maintenance Weed Membrane Water Control

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.

Gardener Wheelbarrow Full Of Plants

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 insurance with us means that you can continue to do the job you love, and keep your business blooming.

Get a Quote

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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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Tools Insurance

Tools are your livelihood, that's why we offer standalone cover just for your tools. Also a great addition to any existing policy, with tools insurance you can extend your cover up to £15,000. 

Smiling tradesmen standing by van

Van Insurance

Get covered with comprehensive, third party only or third party fire & theft van insurance. Check out our cover options, features and benefits. 

Foreman Using Laptop On Building Site

Frequently Asked Questions

Whether you're looking for more information, or a specific answer, we have a hefty FAQs section, where you'll hopefully find what you're looking for.