As a gardener you create idyllic outdoor spaces for your clients. From simply mowing lawns, to treating turf for moss, from trimming hedges to creating rockeries, you take pride in your work and the opportunity to showcase your skills.
It’s important to ensure that your gardening business is covered so you can concentrate on the job you love, and carrying adequate insurance in case there is an accident or something doesn’t quite go as planned can provide you with that peace of mind and protection.Start your quote
Gardener insurance offers protection for you and your business in the event that something goes wrong. Our insurance policies offer a range cover, protecting you, your gardening tools and equipment, and your customers and the public.
At Caunce O’Hara we can tailor your gardeners’ insurance to meet the needs of your business.
Accidents occur, so it’s important to be prepared so you can reduce the potential impact on your business if a claim is made against you.
Examples of why gardeners need insurance can include:
As trades insurance experts, we're your number one choice for your business protection.
Trusted by over 23,000 clients for their business insurance.
Immediate cover available, with documents issued via email in minutes!
Over 25 years’ experience of insuring self-employed professionals, including freelancers, contractors, and small business owners.
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Protects against claims of alleged negligence in your professional services, advice and designs.
Protects against claims of injury to third-parties or damage to a third-party's property.
A legal requirement for anyone employing staff. Protects your business in-case an employee is injured at work.
Cover for contract disputes, tax investigations, court attendance, debt recovery, and more.
Cover for work injuries, illnesses caused by work and compensation awards.
Protection for losses from, fraud, dishonesty, theft, bribery, forgery, and loss investigations.
Covers your business in the event of a malicious attack on your computer systems and data.
We are rated 4.7 out of 5 from 3,500+ reviews on Feefo.com
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.
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:
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.
|Insurance policy||Lowest excess||Highest excess|
|Public liability insurance||£250||£250|
|Employers’ liability insurance||£0||£0|
|Tools & trade materials cover (can only be purchased with the public liability policy)||£250||£250|
|Personal accident insurance||£0||£0|
|Professional indemnity insurance||£250||£500|
Please note the figures shown are for illustrative purposes only and any excess applied to your quote may differ.
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Our understanding of the freelance sector and the challenges you face daily, enables us to tailor our insurance products to meet your needs. Contact us to talk about your insurance requirements and to better understand the insurance we offer.Get in touch