Landscaping Insurance

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Landscaping Insurance

Whether you are a sole trader working alone, or run a landscaping business or consultancy, we can help arrange an insurance package to suit your business. 

  • Very competitive premiums and flexible payment options 
  • A panel of leading UK insurers  
  • Wide cover options available  
  • Tools and equipment cover – including tools stored in vehicles 
  • Professional indemnity for any design or specification activity 
  • Personal accident cover for free! 

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Landscaper Insurance

Bespoke insurance and risk management programmes for all sizes of business

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What kind of insurance does a landscaping company need?

There are a range of insurances that you will need to consider for your landscaping business. The main three are:

Landscapers liability insurances

Liability insurance for landscapers would typically include employers liability, public and products Liability, directors & officers liability and professional indemnity. These effectively provide legal and financial protection where a third party claims for injury, property damage, financial losses or breach of the statutory duties of a company director or professional services such as design, specifications or wider breaches in civil law.

Employers Liability insurance for landscapers

Even if you are a sole trader who occasionally takes on a cash in hand labourer, let alone managing a Limited Company with full time staff, you are required by law to have employers liability insurance in place. If an employee or temporary worker were to be injured, for example, employers liability insurance protects you from the costs of your legal defence as well as any compensation that is subsequently awarded.

Public Liability insurance for landscape gardeners

Working in a similar way to employers liability insurance, this protects you from claims made by members of the public and other third parties – for example your client. Given that working as a landscape gardener means you deal with members of the public and often on their property, public liability cover should be a serious consideration for any landscaper.

Professional indemnity insurance for landscapers

Landscapers will typically need to have Professional Indemnity insurance in place. You offer professional advice – be it about the right sort of fencing panels, designing an irrigation system or even recommending a type of plant or flora for a particular feature. Professional indemnity insurance for landscapers protects you when this professional advice is claimed to be wrong, unprofessional or in some way faulty.

Directors & Officers liability insurance for landscapers

The legal duties of directors of limited companies was established in the Companies Act 2006. Directors therefore need insurance that provides them with legal protection and cover where they can be sued for a breach in their duties. Company assets cannot be used to compensate a third party claimant, so we advise all company directors to protect their personal assets by ensuring they have directors & officers liability insurance in place.

Other types of insurance that a landscaper should consider:

There are a range of other covers that you may need to consider, depending on your particular circumstances. These may include:

  • Property insurance for your office buildings, office equipment and stock.
  • Tools insurance – especially when on site or in storage overnight.
  • Hired and owned plant insurance for any larger equipment.
  • Commercial vehicle and trailer cover.
  • Personal accident cover – we can offer free personal accident insurance as part of your overall insurance package.
  • Legal Expenses – access to legal advice and support when you need it.
  • Cyber insurance – now the biggest cause of UK crime losses.
  • Private medical insurance – healthcare when you need it.

It may also be that you need to address specific risks. Are you involved in tree felling or trench digging which require work at specific heights or depths? You will need cover that reflects how high or deep you work and what potentially hazardous activities you are involved in.

To get a professional assessment and advice on what covers you should consider to protect you and your business, give a member of our broking team a call today.

How much does landscaping business insurance cost?

At BJP Insurance, we can get a range of landscaping insurance quotes from leading providers. How much insurance for landscape gardeners cost will depend on your specific business requirements – the range of the covers that you need – as well as the indemnity limits (the maximum amount that the policy will pay out in a specific claim situation) for each of those cover types.  

It is important that your insurance cover protects your assets and liabilities to ensure you can confidently develop and grow your business. 

To get a quote that offers you the comprehensive insurance protection that you need, without paying for cover you don’t need, simply give us a call or fill out an enquiry form and we will call you. 

Talk to the BJP team today

For independent advice and fast quotes for your landscaper insurance

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Insure with us and you’ll also have access to value added services including:

  • A dedicated account handling team ready to assist with any queries you may have.
  • Full legal expenses cover included in case proceedings are raised against you.

BJP use a full fact-finding service to establish your full landscaping insurance demands and needs in order to offer you the most comprehensive insurance at the most competitive premiums. We are an independent business insurance and commercial insurance broker. We specialise in obtaining insurance quotes from a wide range of different insurers to ensure that we get the best possible landscapers insurance cover at the best price.

To receive a quote, or to seek advice from one of our insurance advisers about Landscaping Insurance, please complete the enquiry form and we’ll be glad to assist you. An adviser will contact you within a working day to discuss your requirements. Or you can call us on 0345 365 2121 to obtain further information or for a full quotation to suit your needs.