Landscapers and Gardeners Insurance
Protect your landscaping or gardening business from property damage claims, tool theft and on-site injuries with cover tailored to outdoor trades.
Get in touchWhat is landscapers and gardeners insurance?
Landscapers and gardeners insurance is a package of cover that protects landscaping professionals and garden maintenance businesses from risks including property damage, personal injury claims and tool theft. It typically includes public liability, employers liability and tools cover.
Whether you are maintaining residential gardens, designing commercial landscapes or operating heavy machinery like mini-diggers, the right cover protects you if an accident occurs or a client makes a claim.
Find cover options from specialist insurers who cover outdoor trades, so you get a policy that accounts for the specific risks of landscaping and gardening work.
Public Liability
Covers claims if you damage a client's property or injure a third party during your work.
Employers Liability
Required by law if you employ anyone, covering workplace injury and illness claims.
Tools and Equipment
Covers your mowers, strimmers, chainsaws and other landscaping equipment.
Commercial Vehicle
Covers your van or truck used to transport tools and materials to jobs.
Who needs landscapers and gardeners insurance?
Self-employed gardeners
Providing regular garden maintenance for domestic clients
Landscape designers
Designing and building gardens, patios and outdoor spaces
Grounds maintenance companies
Maintaining commercial grounds, parks and public spaces
Tree surgeons
Carrying out tree felling, pruning and stump removal
Lawn care specialists
Providing specialist lawn treatment and turf laying services
WHY CECIL
Built differently.
Cover for outdoor work risks
Landscaping involves working with heavy equipment near client property and public spaces. Cecil finds insurers who understand these risks and cover them properly.
Tools and equipment protected
Landscaping equipment is expensive and often stored in vans overnight. Cecil ensures your tools cover includes van theft and covers replacement at current values.
Simple quotes for seasonal businesses
Many landscaping businesses have seasonal fluctuations. Get options from specialist insurers to find flexible policies that reflect the way your business actually operates throughout the year.
Claims support for property damage
Accidentally damaging a client's driveway or boundary wall is a common landscaping claim. Cecil works with insurers who handle these disputes quickly and fairly.
Common questions about landscapers and gardeners insurance
Do gardeners need public liability insurance?
Public liability is not a legal requirement for self-employed gardeners, but it is strongly recommended. If you damage a client's property or a member of the public is injured, the costs could be significant.
Does gardeners insurance cover my lawnmower and tools?
Yes, tools and equipment cover protects your mowers, strimmers and other tools against theft and accidental damage, subject to security requirements.
Do I need insurance to use a chainsaw commercially?
If you use a chainsaw as part of your business, your policy needs to cover chainsaw work specifically. Some policies exclude it or require relevant qualifications.
What level of public liability do landscapers need?
Most landscapers choose between £1m and £5m of public liability cover. Commercial clients may require higher limits.
Is employers liability insurance required for gardening businesses?
If you employ anyone, even part-time or seasonal workers, employers liability insurance is a legal requirement with a minimum of £5m cover.
Interested in Landscapers and Gardeners insurance?
We will be in contact when Cecil launches.