Gardeners Insurance

At Caunce O’Hara we offer the opportunity to customise your trades insurance to meet your needs, including:

Property damage – You accidentally damage a customer’s property (such as scratching a car) when carrying your equipment onto the premises requiring the damage to be repaired.

Injury to the general public – A passer-by sustains an injury when they trip over hedge cuttings that have been left on the pavement outside the premises.

Theft or damage to your tools and trade materials – Whilst gardening at a customer’s home, your van is broken into and essential tools are stolen.

Caunce O’Hara are experts for tradesman insurance. These are just a few of the reasons to choose us for your cover:

Quick online quotes

Complete our simple online quote form and get a quote in as little as 90 seconds.

Affordable protection

Our pricing is fully transparent, meaning you won’t be charged any hidden or unnecessary fees.

Platinum rated customer service

Customer service has always been at the top of Caunce O’Hara’s priorities, which is reflected in our positive Feefo feedback.

Over 25 years’ experience

We have been offering business insurance to self-employed professionals since 1995. As a result we understand the needs of self-employed business owners and contractors, which enables us to provide the cover you need.

The cost of an annual premium varies depending on your type of cover and the level of cover you need. Our trades public liability insurance for gardeners starts from £70.66 for £1million of annual cover, which we think represents real value for money.

* Price quoted is an annual figure, inclusive of Insurance Premium Tax at the current rate, and based on £1million public liability insurance, with 1 employee, 5+ years trading and no claims in the last 3 years.

As well as public liability insurance, we offer a range of insurance covers for your individual circumstances, including:

• Personal accident insurance – covers you for accidents sustained in the course of your work and can pay a lump sum or regular payments to cover loss of earnings.
• Employers’ liability insurance (EL) – is a legal requirement if you employ staff, with a minimum of £5 million of cover to protect your employees.
• Tools insurance – available with our public liability insurance policy, provides cover from £1,000 to £5,000 for the replacement of your lost, damaged or stolen tools.
• Good in transit insurance – provides cover for your goods against theft, loss or damage while they are being transported in your own vehicle, or on your behalf by a third-party carrier. The policy can cover theft of items whilst in transit; damage caused by an accident during transit; loss of items during transit; and damage caused to items during transit.
• Plant insurance (PI) – we offer cover for both hired-in and owned plant equipment. Plant insurance can cover the costs incurred for ongoing lease hire for hired-in plant while the hired plant is being replaced, recovered or repaired, and can cover the cost of repairing or replacing owned plant following theft, loss or damage (accidental or malicious) to your equipment.
• Contract works insurance – cover for costs incurred in having to re-do work that is part of a contract, including the cost of the tools, materials and the labour, should the existing work be destroyed by fire, flood, or theft.
• Professional indemnity insurance (PI) – covers professionals who give advice, provide designs or other professional services to customers and covers allegations of negligent work.

The excess is the amount you pay towards a claim you make on your insurance policy. For example, if you make a claim for £1,000 for stolen tools and your excess is £200, then your payout will be £800.

Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.