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Gardeners insurance

Grow your peace of mind with our gardeners’ and landscape contractors' insurance.

Suitable for both sole traders or gardening companies
Protect yourself and your business with cover tailored to your work.

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Woman hoeing weeds in vegetable garden with hand fork and mattock.

Why choose gardeners insurance with Everywhen?

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Gardeners' equipment and machinery insurance

A range of gardeners' equipment and machinery covered on an all risks basis including hired in plant if necessary.

Up to £10 million public liability for gardening

Public liability cover with popular limits of £1 million, £2 million, £5 million and £10 million or higher available for gardeners and landscapers

Expert gardeners claims service

Dedicated claim handlers to give you peace of mind

Pay for gardeners insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit

Partnering with the UK's leading insurers

What does gardeners insurance cover?

Our gardeners cover offers public liability insurance for gardeners, groundsman and landscapers. Covering legal defence costs and compensation awards arising from injuries to members of the public and or damage to their property due to your negligence arising from the work you are carrying out.

Protection for equipment and machinery

Protection for equipment and machinery We provide cover for a range of gardeners and landscaping equipment,/ machinery, including lawn and groundcare, handhelds, cordless chainsaws, cutting equipment, hedge trimmers, ride-along mowers, digging and excavation equipment etc.

Cover for gardening excavation

For excavation work forming part of your landscape gardening, including depths to 3m from ground level. Liability cover for you and your equipment.

Extension of cover for temporary workers

Our flexible cover can extend to include short-term and temporary labour employed for particular jobs, providing flexibility and simplicity to cope with resources for new contracts and seasonal demand.

Get a quote from Everywhen today

Searching for gardeners insurance quotes? Let us help you find the right policy.

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Call 03301733617

How do gardeners insurance claims work?

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

Find your insurance documents and make sure you have all your information at hand, including your policy number.
Call the claims team on 03308 281 239 and explain exactly what happened.
Provide photos if requested to help us understand what happened as quickly as we can.

What our customers are saying

Gardeners insurance FAQs

Wondering about something? Don't worry, Everywhen is here to help. We've put together some common questions about gardeners insurance cover to support you every step of the way.

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Cover for occasional tree felling can be included up to 15m as an optional extra. Full-time arboriculturists will need a specialist tree surgeon insurance to meet the higher risks presented. Contact us with your specialist needs.

Yes, we can provide gardeners public and employers liability cover for gardening and landscape contractors working in gardens at commercial, public and high-risk locations. Public liability is available for limits from £1 million to £10 million and higher as required. These can include schools, hospitals, hotels, restaurants, cafes, golf or sports clubs and estates.

Yes, this can be covered by gardeners’ liability insurance, subject to safety conditions being followed.

Yes, we can cover labour only gardening sub-contractors, as well as PAYE staff for the same risks under your employers’ liability (EL) cover. it is very important to declare how your workforce are employed as this will affect how your risks are calculated.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.