Gardeners Insurance
Grow your peace of mind with gardeners’ and landscape contractors insurance.
- Suitable for both sole traders or gardening companies
- Protect yourself and your business with cover tailored to your work.
- Access your policies and renewals through your online account with Markel Direct.
- Towergate Insurance is working in partnership with Markel Direct. By clicking “Get a Quote”, you confirm you have read and understood the Towergate privacy policy and this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.
Call us on 0344 7480 173 or get a quote online
Why choose gardeners insurance?
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 £5 million public liability for gardening
Public liability cover with popular limits of £1 million, £2 million and £5 million 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.
About gardeners insurance
What is gardeners and landscaping insurance?
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
You can choose 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
The 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.
By clicking “Get a Quote”, this will take you to a Quote and Buy facility provided and operated by our business partner, Markel Direct.
When you need to make a claim, Markel Direct will 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 Markel Direct claims team on 0344 748 0173 and explain what has happened.
Ready to get covered?
- Get a quote online
- Make your selections and purchase your policy
- Relax - you're covered!
Gardeners insurance FAQs
Markel Direct provide and administer this cover. Markel Direct is a trading name of Markel International Insurance Company Limited who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority (Financial Services Register no. 202570).
Cover for occasional tree felling can be included up to 5m.
Yes, you can select 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 £5 million. 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, you can include cover for labour only gardening sub-contractors, as well as PAYE staff for the same risks under your EL (Employers’ Liability) 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, you can choose to spread payment over ten months with the Markel quick and easy Direct Debit scheme.
For details of the terms, exclusions and conditions applicable, please refer to the full policy documentation provided by Markel Direct which will be available during the quotation process.
See our range of cover for gardeners
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