Landscaping & Gardening Insurance

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Whether you're maintaining gardens, laying patios, or carrying out larger landscaping projects, your work involves tools, machinery, and working on customer property. Landscaping insurance and gardening insurance are designed to support your business if your work leads to injury, damage, or unexpected costs on the job.

From one-off garden maintenance to ongoing contracts, this cover is built to fit how you work day to day.

Garden and landscaping work rarely happens in a controlled environment. You’re working outdoors, often on someone else’s property, using tools and machinery that can affect the surfaces, structures, and people around you.

Jobs can vary from routine maintenance to larger projects like paving or full garden redesigns. That means the level of risk can shift depending on the work you’re doing.

For example:

Cutting or trimming work could affect nearby walls, fences, or vehicles
Digging or groundwork could impact surfaces or underground features
Installing patios or decking may involve structural changes to a space
Using machinery in tight or residential areas increases the chance of accidental damage

Even smaller jobs can lead to unexpected issues, especially when working close to property boundaries or in shared spaces.

This is why many businesses look at gardener insurance or landscaping business insurance to cover costs linked to damage or injury caused during their work. It can also help when clients or contractors ask for proof of public liability insurance for gardening work before allowing work to begin.

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Your landscaping & gardening insurance cover options

Choose from three levels of cover depending on the type of work you do and how much protection you need.

Essentials

Our landscaping and gardener’s Essentials package includes Public Liability insurance and cover for Third Party Financial Loss.

✔ Public Liability insurance up to £5 million

✔ Third Party Financial Loss £100,000

✔ Employers' Liability insurance (£10 million available as an optional addition)

Suitable for: Gardeners and landscapers looking for straightforward liability cover

Classic

Our Classic package builds on the Essentials by offering Professional Indemnity cover as well as Capital Death Benefit and Tools cover.

✔ Public Liability insurance up to £5 million

✔ Professional Indemnity cover £100,000

✔ Third Party Financial Loss £100,000

✔ Capital Death Benefit

✔ Tools cover from £1,000 (up to £15,000)

✔ Employers' Liability insurance (£10 million available as an optional addition)

Suitable for: Landscapers and gardeners who want added protection for tools and professional advice.

Also includes: Price Freeze (2 years, T&Cs apply)

Plus

Our most comprehensive option, the Plus package builds on the Classic by further adding Temporary Total Disablement Benefit, which can be increased based on your needs.

✔ Public Liability insurance up to £5 million

✔ Professional Indemnity cover (£100,000)

✔ Third Party Financial Loss (£100,000)

✔ Capital Death Benefit

✔ First £1,000 of Tools cover (can be increased to £15,000)

✔ Temporary Total Disablement Benefit up to £600 a week per person

✔ Employers' Liability insurance (£10 million available as an optional addition)

Suitable for: Landscapers who want more comprehensive cover, including a weekly benefit if unable to work.

Also includes: Price Freeze (2 years, T&Cs apply)

Optional Extras

You can also add extra cover depending on the type of landscaping and gardening work you take on. We have a list of optional extras to give you the cover you need:

Stock in Transit cover

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Fixed Price, Fixed Peace of Mind

Lock in your insurance price for two full years with Trade Direct’s Price Freeze with our Classic and Plus policies.

Whether you're a builder, plumber, electrician or decorator, we know your work load can be unpredictable - your insurance price shouldn’t be.

What can gardening and landscaping insurance cover?

Public Liability Insurance

Covers injury to third parties or damage to their property.

Example: If you accidentally damage a customer’s patio or wall while working, this cover can help with the costs.

Tools Cover

Covers theft or damage to your tools and equipment.

24/7 protection
Includes theft from a locked vehicle following forced entry
Can be extended up to £15,000
Can include laptops or business equipment

Example: If your tools or laptop are stolen from your van overnight after a break-in, this cover can help replace them.

Professional Indemnity

Covers issues with design or advice

Example: If landscaping work leads to financial loss as a result of your advice or design work, professional indemnity cover can help with the cost of putting it right.

Temporary Total Disablement

Provides a weekly benefit if you’re unable to work due to injury, subject to policy terms

Third Party Financial Loss

Covers financial losses experienced by others as a result of your work.

Example: If your work causes disruption that leads to financial loss for a customer, this cover can help with related costs.

Plant & Machinery cover (Optional)

Covers owned or hired-in plant and machinery.

Can include continuing hire charges
Suitable for businesses that use plant equipment, whether for small or large projects.

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What work is covered?

Cover can apply across a wide range of landscaping and gardening work, including:

Garden maintenance and clearance
Hedge trimming
Turfing and planting
Patio, decking, and paving installation
Landscaping and groundworks
Use of tools and machinery
Multi-trade work where applicable

Whether you're carrying out regular garden maintenance or larger projects, landscaping insurance can be adapted to suit your work.

Who is this cover for?

Gardeners
Landscapers
Grounds maintenance contractors
Contractors and subcontractors
Businesses of up to 15 employees

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How much does gardening insurance cost?

Costs vary depending on your work, business size, and the level of cover you choose.

Things that can influence price include:

Type of work you carry out
Risk level of your jobs
Number of employees
Level of cover selected
Claims history

For example, larger projects like paving, decking, or groundworks may carry a different level of risk compared to routine garden maintenance, which can affect how your cover is structured.

If you're comparing gardening insurance or insurance for landscaping, getting a quote will give you a clearer view based on your business.