Gardeners’ Insurance

Gardening at a professional level comes with an inherent set of risks that can pose a threat to your business should someone wish to make a claim against you. Bespoke gardeners’ insurance policies are built to offer you and your business the assurances you require going forward, so you can help protect what you’ve worked hard to grow.

What is gardeners’ insurance?

Any landscape gardener knows that mistakes and accidents can happen while carrying out their work, and that’s where having gardeners’ insurance comes in. At Gallagher, we match professionals across the industry with bespoke policies that help protect them in a variety of ways.

The most common form of cover we work with is public liability insurance for gardeners, however we also source policies that cover a number of other areas, ranging from professional indemnity to protection for your equipment. Your insurance policy can be as broad or as specific as you’d like, and that really boils down to what your requirements are as a business. You can find out more about the services we offer to clients below.

In basic terms, comprehensive gardeners’ insurance is designed to protect you in the event a member of the public makes a claim against your business following an insured incident such as causing injury or damage to their property due to your work. Because of that, it should make up an essential part of your risk management strategy.

Why do I need gardeners’ insurance?

• The ability to protect your business against liability claims made against you where your work has caused injury to a member of the public or damage to their property.
• Compensation claims made by customers for unsatisfactory work, technical mistakes or inadequate advice.
• Cost of replacing and repairing machinery and equipment which may be taken out of action due to theft, loss or accidental damage.
• Responding to a claim made when an employee or contractor is injured or becomes ill while carrying out work for your business.

And if you’re looking to secure contracts with larger professional bodies, including public sector organisations, it’s unlikely they’ll agree to work with you unless you’re adequately insured. By purchasing insurance that covers risks relevant to your business, you are helping to safeguard your business and ensure the plans for your business can continue moving forward.

At Gallagher, we specialise in sourcing insurance policies that provide you with the confidence and assurances to operate freely.

What services do you provide to gardeners?

Landscape gardening, garden design and general garden maintenance deals with the unpredictability of nature and designs that may not translate from paper to soil in the way you expected. With a range of tailored insurance options available spanning landscape gardeners’ insurance for larger businesses through to self-employed gardeners’ insurance for individuals. You may be looking for a comprehensive policy that covers against all eventualities or perhaps a specific type of insurance. Here are some of the more common options for gardeners:

These are brief product descriptions only. Please refer to the policy documentation paying particular attention to the terms and conditions, exclusions, warranties, subjectivities, excesses and any endorsements.