Landscaping Insurance
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Why Compare Landscaping Insurance Quotes At SimplyQuote?
Comparing landscaping insurance helps you find the right cover for the type of work you actually do — without overpaying or missing protection you need.
At SimplyQuote, we partner with Quotezone to bring you tailored quotes from a panel of UK insurers who understand the risks landscapers face. Whether you’re cutting lawns, building retaining walls, installing fencing, or operating machinery, the right cover can make all the difference.
The risks vary from one job to the next. You might be using heavy equipment, laying paving near public walkways, or subcontracting seasonal help. Comparing quotes makes it easy to choose the right level of public liability, add tool cover or personal accident protection, and stay compliant if you’ve got people working under you.
There’s no faff, no sales pressure — just quick, competitive insurance that works the same way you do: efficiently and without wasting time.
What Do I Need to Get a Quote?
To get a landscaping insurance quote, you’ll need to provide a few simple details about your work, the risks involved, and the type of cover you’re looking for. It usually takes less than five minutes.
You’ll be asked about:
- What kind of landscaping you do – e.g. soft landscaping (planting, turfing), hard landscaping (paving, fencing), or a mix of both
- Business setup – Sole trader, limited company, or whether you use subcontractors or labourers
- Machinery and tool use – Especially relevant if you use petrol tools, ride-on mowers, or commercial landscaping equipment
- Annual turnover and postcode – Used by insurers to assess the scale of your work and local risk factors
- Tool value and storage – For tool cover, you’ll need to estimate the total value and confirm how/where you store your gear
- Whether you work at height or near water – Some insurers need this declared upfront
- Public liability limit required – £1M, £2M, £5M or £10M depending on job types or client expectations
- Optional extras – Like personal accident, legal expenses, or employer’s liability if you bring in help
- Claims history – Any past insurance claims may affect your quote
The process is designed to be quick and relevant. Once you’ve got the basics, it’s straightforward from there.
Why Do I Need Landscpaing Insurance Cover?
Landscaping insurance protects you if something goes wrong — whether it’s an accident on-site, damage to property, or a legal dispute that puts your business at risk.
Without it, you’re personally liable for any claims made against you.
Landscaping comes with a long list of moving parts — and just as many risks. You might damage a customer’s property with a strimmer or mower. A client could trip over stacked paving slabs or garden waste. Or you could injure yourself lifting heavy equipment with no backup income to fall back on.
Public liability insurance helps cover the cost of accidental injury or property damage claims. Tool cover keeps your business moving if your kit is stolen or damaged. Personal accident cover pays out if you get injured and can’t work. And if you hire others, employer’s liability isn’t optional — it’s a legal requirement.
Clients expect professionalism — and that includes proof of insurance. On commercial contracts especially, you won’t even get through procurement without it.
What Insurance Do Self-Employed Landscapers Need?
Self-employed landscapers typically need public liability insurance, tool cover, and personal accident protection as a minimum.
You may work solo, but you’re still fully responsible if something goes wrong on-site.
Here’s what most self-employed landscapers include in their policy:
- Public liability insurance – Covers injury or property damage caused by your work. If someone trips over garden waste or a stone breaks a window during strimming, this helps cover legal costs and compensation.
- Tool cover – Protects your equipment if it’s stolen, lost, or damaged. From petrol strimmers to hedge cutters, if you rely on it, you can insure it.
- Personal accident insurance – If you injure yourself and can’t work, this can pay out to help cover income loss while you recover.
- Employer’s liability – Not needed if you truly work alone, but legally required if you bring in even casual help or labourers.
You might also want to consider legal expenses cover — especially if you work with contracts or clients where disputes are more likely. Even small residential jobs can end in claims.
Does Lancscaping Insurance Cover Subcontractors Or Hired Help?
Landscaping insurance doesn’t automatically cover subcontractors or casual help — and if you haven’t declared them, your policy might not pay out.
It all depends on how they’re classified and what your insurer has on file.
Labour-only subcontractors
These are people who follow your instructions, use your tools, and work under your supervision. They’re treated as employees — and legally, you’ll need employer’s liability insurance to cover them. Even if they only help for a day.
Bona fide subcontractors
These are independent tradespeople with their own tools, working under their own direction. They should have their own insurance. You’re generally not liable for their actions, but insurers often expect you to confirm their cover is valid.
Seasonal or short-term help
Landscaping businesses often bring in extra hands during spring and summer. If you take someone on — even casually — and don’t declare it, you risk having claims denied.
The best policy is honesty. If your setup changes, even temporarily, tell your insurer. It’s usually an easy fix — and far cheaper than the cost of a rejected claim.
What Does Landscaping Insurance Cover Include?
A standard landscaping insurance policy typically includes public liability, tool cover, personal accident protection, and employer’s liability if you hire help.
You can also add extras depending on the type of work you take on.
Here’s what’s usually covered:
- Public liability insurance – Protects you if someone is injured or property is damaged due to your work. For example, a client tripping over a hose or a mower flicking a stone through a window.
- Tool and equipment cover – Covers theft or damage to tools like petrol strimmers, mowers, trimmers, saws, or hedge cutters. Storage and security conditions may apply.
- Employer’s liability insurance – A legal requirement if you hire staff or subcontractors who work under your instruction. Covers claims from those injured while working for you.
- Personal accident insurance – Pays out if you’re injured and can’t work — helping cover income loss or medical expenses.
- Legal expenses cover – Helps with the cost of legal disputes, contract issues, or defending a claim that falls outside your public liability cover.
- Contract works cover – Optional, but useful if you take on larger or phased projects that could be damaged mid-job (e.g. turfing, fencing, or decking projects hit by weather or vandalism).
The right policy reflects how you actually work — not just what the job title says on paper.
What’s Not Included?
Landscaping insurance doesn’t cover everything — and knowing the exclusions can help you avoid unexpected claim rejections.
Most policies have similar limits, but the fine print always matters.
Common exclusions include:
- Tool wear and tear – Your policy won’t replace tools that simply break from overuse or age. It covers theft or accidental damage — not general wear.
- Unsecured tools – If tools are left in an unlocked van, unsecured garden, or open trailer overnight, insurers may not pay out — even with tool cover in place.
- Undeclared subcontractors or casual help – If someone works under your instruction and you haven’t included them on your policy, you likely won’t be covered if they cause an accident or get injured.
- Work outside your declared trade – If you also offer fencing, paving, or tree work and haven’t declared it, claims from those jobs could be rejected.
- Faulty workmanship – Public liability doesn’t cover you for poor results or clients unhappy with the quality of your work.
- Unsafe or illegal practices – Breaking health and safety rules or using unlicensed machinery can invalidate your policy.
Exclusions aren’t there to catch you out — they’re there to define the line between what’s covered and what isn’t. Read them once. It’s worth it.
How Much Does Landscaping Insurance Cost?
Landscaping insurance typically starts from around £70 to £150 per year for sole traders — but the actual cost depends on the size of your business, what you do, and the level of cover you choose.
If you work solo on small domestic jobs and have a clean claims history, monthly premiums can be as low as £6–£12. But costs rise if you:
- Operate commercial-grade machinery
- Hire subcontractors or casual staff
- Work on large or high-value projects (like patios, retaining walls, or commercial grounds)
- Insure high-value tools
- Require a higher level of public liability (£2M or £5M)
- Have made claims in the past
- Operate in high-risk or high-theft postcodes
Some providers offer flexible payment plans, but paying annually can sometimes reduce the total cost. Just remember — the cheapest policy isn’t always the best fit. A slightly higher premium may offer far better protection when you actually need it.
How Can I Save Money On Landscaping Insurance?
You can reduce your landscaping insurance costs by tailoring your policy to your actual work, securing your tools properly, and comparing quotes every year. Smart decisions save money — cutting corners doesn’t.
Here are practical ways to lower your premium:
Pick the right public liability level
Many domestic landscapers don’t need £5M cover. If £1M or £2M is enough, you could save significantly.
Accurately value your tools
Don’t overestimate. Only insure the tools you actually use regularly — and be honest about their value.
Store your tools and equipment securely
Lockboxes, alarms, and secure parking reduce your risk profile — which can bring costs down.
Review your policy annually
Insurance needs change. If you’ve changed your services or reduced your workload, don’t keep paying for old risks.
Increase your voluntary excess
If you rarely claim and have good risk control, upping your excess can trim the monthly cost.
Maintain a clean claims record
Avoid claiming for minor issues if you can. A clean history often leads to lower renewal prices.
Insurance should reflect your business as it is — not how it used to be. Regular reviews and a bit of policy housekeeping go a long way.
How To Compare Landscaping Insurance Quotes Online
Comparing landscaping insurance quotes with simplyquote.co.uk is quick, tailored, and designed for trades like yours.
You answer a few questions once, and we do the rest — sourcing policies from UK insurers who understand what landscapers need.
Here’s how it works:
- Tell us what you do
Select “Landscaper” as your trade and provide basic info like your business type, turnover, postcode, and typical work type (e.g. turfing, paving, garden design). - Choose the cover you need
Set your public liability limit and add extras like tool cover, employer’s liability, or personal accident protection if you want them. - See live quotes instantly
We’ll match you with insurers offering relevant, trade-specific cover. No cold calls, no pushy sales — just fast, reliable quotes. - Compare properly
Look beyond price. Check what’s actually covered, excess amounts, and any exclusions that might matter to the kind of jobs you take on. - Buy direct from the insurer
Once you’ve found the right fit, complete your purchase directly with the provider. Quick, secure, and powered by our trusted partner, Quotezone.
The right cover is often just a few clicks away — and comparing quotes is the fastest way to make sure you’re not overpaying for protection you don’t need.
Frequently Asked Questions
Only employer’s liability insurance is legally required — and only if you hire people who work under your instruction. Public liability isn’t a legal requirement, but many clients and councils demand it before you’re allowed on site.
Yes — but you’ll need to declare the full range of services you offer. If you carry out fencing, patio installation, turfing, or garden design, make sure it’s all covered under your policy.
It depends. Light pruning or hedge trimming is usually fine. But for chainsaw work, tree removal, or anything at height, you’ll need to declare it and may need additional tree surgeon cover.
Yes. Most insurers are used to seasonal businesses in landscaping. You’ll need to estimate your annual turnover based on your working pattern.
Not always. Some public liability policies exclude underground services unless you’ve done a proper site survey or used detection equipment. Always check the small print.
Only if they’re declared and covered. Labour-only workers need to be added to your employer’s liability policy. Bona fide subcontractors must have their own insurance.
Yes — as long as you declare it. Some policies are domestic-only by default, so if you work on retail units, schools, or business premises, let your insurer know.
If you supply products as part of your service, you may need product liability insurance. This protects you if a product you’ve supplied causes damage or harm.
Written by Chris Richards
Page last reviewed on 11th April 2025 by Chris Richards