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Gardeners' insurance

Price beat guarantee

We guarantee to beat your new insurance quote or renewal premium from any other insurer.

To redeem and for full Terms & Conditions, click here.

New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply.

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Concerned about tool theft? Tools Essentials helps you replace your most important stolen tools within 24 hours, after a few checks.

Up to £1,500 upfront within 24 hours, after claim checks. Tools and Business Equipment required. Limits apply. To claim, you will need a crime reference number and proof of ownership (if applicable you may also need proof of damage). Mon to Fri, 8am-6pm, except Bank Holidays.

  • We guarantee to beat your quote or renewal premium from any other insurer.

    New customers only. Cover on an equivalent basis to ours. Qualifying criteria apply. Terms & Conditions.

  • 0% APR on your monthly direct debit payments in the first year.

    Over 18s, subject to eligibility.

  • Download your policy documents instantly to show proof of your cover to clients.

The tools you need to safeguard your livelihood

We insure over 500,000 sole traders and small businesses, so we know what support you need from your insurance provider.

Some of the perks of being a Direct Line for Business customer include:

Personalised insurance

Choose from a range of cover options to get a bespoke policy for your business.

Your own dedicated claims handler

If you need to make a claim, you'll have a dedicated person dealing with your case from start to finish.

Unlimited access to our 24-hour legal helpline and online legal documents service

Consult with a team of solicitors and legal experts whenever you need to with Legal Essentials.

Unlimited policy changes

Hired an employee or bought some new tools? We don't charge you admin fees if you need to amend your policy.

Get a quote
or call us on 0345 303 1761
Get a quote Call us on 0345 303 1761

Cover that keeps up with your world

Being able to work with nature, instead of sitting in an office all day, is one of the perks of being a gardener. But working outside also has its risks, especially when long hours, expensive tools and members of the public are involved. And when the work you do changes with the seasons, it’s important to get flexible insurance that keeps up.

We let you pick from a range of cover options to create a policy that works for your business, and if you need to make changes down the line, we won’t charge you admin fees. The cover types below are subject to policy conditions and limits.

  • Tools Essentials

    We know that when you're in the trades, your tools are vital and if the worst happens, they can be very expensive to replace, putting a pause on your business.

    With Tools Essentials, we help you replace your essential tools fast, so that you can get back to work.

    How does Tools Essentials work?

    If your tools are stolen or damaged, contact us as soon as you can. After a few checks, we transfer up to £1,500 to you, within 24 hours, to help you replace your essential tools.

    What are the benefits?

    • By transferring the money to you, you have the flexibility of replacing your tools like for like, so that you can go back to building your empire.
    • We transfer the money to you, even if your tools are stolen or damaged while working abroad (within the EU).
    • If you've had more than £1,500 of tools and equipment stolen or damaged, we'll process the rest of your claim and when approved, send you the remaining balance of your claim.

    How do I get Tools Essentials?

    Buy Tools and Equipment Cover, with or without adding Overnight Tools Cover.

    Conditions

    • Upfront payment of up to £1,500 is transferred to your account, within 24 hours, after the claim has been validated.
    • Proof of purchase or ownership needed.
    • Crime Reference number or proof of damage needed.
    • Claim limits apply.
    • To report damaged or stolen tools, our lines are open between 8am-6pm, Monday to Friday, excluding Bank Holidays.

    Read more on Tools Essentials here.

  • Public liability

    Public liability insurance for gardeners covers you if you accidentally injure a member of the public or damage their property. For example, if someone trips over a spade or fork that has been left on the ground unattended, and suffers an injury.

    If someone makes a claim against you, public liability insurance will cover the legal and compensation costs you are required to pay.

    Many clients will ask to see proof of public liability before hiring you for a job. We can offer cover from £1 million to £10 million, depending on your business activities and requirements.

    Excess per claim:

    • Third party property damage - £250
    • Third party property damage, heat & underground work - £500
    • Third party property damage, escape of water - £500
    • Third party injury - £0

    Read more about public liability

  • Employers' liability

    If you have employees, including casual labourers, it's a legal requirement to hold employers' liability insurance. This covers you if an employee is injured or becomes ill due to the work they do for you. For example, if an employee cuts themself whilst trimming a hedge because they're not wearing the correct protective gear. If you take out this insurance, we will cover you for £10 million, as standard.

    If you purchase employers' liability with Direct Line for Business, you are required to take out public liability insurance with us as well.

    Read more about employers' liability

  • Temporary employee cover

    If you take out public liability or employers' liability insurance with us, you'll automatically get cover for temporary employees, if you use them.

    The maximum number of days we cover temporary employees for will vary depending on the number of manual workers in your business.

    • 1 – 5 manual workers - 60 days
    • 6 – 10 manual workers - 100 days
    • 11 – 15 manual workers - 150 days

    Please note that the maximum number of days reflects the total number of days worked by all of your temporary employees. So, if you have seven manual workers in your business, we will provide cover for 100 days worked by all temporary employees in total.

  • Tools and business equipment

    For a gardener, having the right tools is crucial to running a successful business. If you're about to start a job and you realise your tools have been stolen, you risk having to cancel or purchasing a new set of tools that you haven't budgeted for.

    We can cover the cost of replacing tools stolen from your business, so you can concentrate on keeping your clients happy. We can insure items such as trowels, spades, forks, wheelbarrows, secateurs, garden hoes, lawnmowers, ladders and steps.

    We can cover tools stolen during the day, as long as the tools are secured in a locked building or in a vehicle where all points of access are locked.

    Cover limits:

    Tools owned by the business

    • Up to 5 workers – £40,000
    • Up to 10 workers – £50,000
    • Up to 15 workers – £75,000

    Tools owned by your employees - up to £10,000 per person

    Excess per claim - £100

    Read more about tools and business equipment cover

  • 24-hour tools cover

    If you're concerned about your tools getting stolen overnight, you can upgrade your tools and business equipment cover, by adding overnight tools cover for an additional premium.

    Our 24-hour tools insurance covers your tools at home or in the van, wherever you are in the EU, as long as you are a UK resident.

    In order to obtain overnight cover, when you get a quote online, you will need to answer 'Yes' to the following question: 'Our standard cover excludes theft from a vehicle overnight. Would you like to add cover for overnight theft of your tools and business equipment from a vehicle?'

    Cover conditions: your vehicle must be secured at all points of entry and any alarms or immobilisers must be set. Tools must be hidden from view and removed when the vehicle is not being used for business purposes for more than five consecutive days. Cover excludes electrical items such as laptops, cameras, mobile phones, removable satellite navigation systems, handheld survey equipment etc.

    Cover limit: there is a limit of £10,000 per claim and a single article limit of £1,500.

    Excess: you will be liable for 10 per cent of each and every claim, with a minimum contribution by you of £100 up to a maximum contribution by you of £500.

    Read more about 24 hour tools cover

  • Stock and materials

    We can also cover your stock and materials, such as seeds, soils and fertilisers. We can cover items that are being temporarily stored between jobs, items in transit and items on-site (until they are installed).

    If these items are stolen or damaged due to an insured event, such as accidental damage, a fire, flood or storm, we’ll pay the cost of replacing the items so you can continue running your business.

    Cover limits:

    • Up to 5 workers – £10,000
    • Up to 10 workers – £20,000
    • Up to 15 workers – £25,000

    Excess per claim - £100

  • Own plant

    Own plant covers larger items of machinery owned by the business, such as diggers and compactors. This does not include regular items in your toolkit, like a trowel.

    We can cover this machinery for theft and damage due to an insured event e.g. a fire. We do not cover machinery that has been damaged due to wear and tear.

    Cover limits:

    • Up to 5 workers – £75,000
    • Up to 10 workers – £100,000
    • Up to 15 workers – £100,000

    There is a single article limit of £50,000.

    Excess per claim - £250

  • Hired in plant

    Hired in plant refers to machinery that you have hired from a third party, either for a short period of time or on permanent hire, such as diggers and compactors.

    If something happens to the machinery while it is on hire and being used by your business, and the incident is covered by an insured event, e.g. a fire or theft, we can cover the cost of replacing it.

    Cover limits:

    • Up to 5 workers – £75,000
    • Up to 10 workers – £100,000
    • Up to 15 workers – £100,000

    There is a limit of £100,000 per claim and a single article limit of £50,000.

    Excess per claim - £250

  • Legal expenses

    This covers the legal costs of providing specialist lawyers and taking action against many common legal problems, for instance disputes with suppliers or clients. Legal expenses cover can only be used if there is at least a 51% chance that the claim will succeed.

  • Personal accident

    Personal accident cover provides payment if anyone in your business between the ages 16-75 is unable to work because they've been injured in an accident, whether in a business or personal capacity.

    We'll pay a lump sum of £50,000 if there is an accidental death, accidental loss of limbs or sight, or if someone in your business becomes permanently disabled following an accident.

    If someone in your business is unable to work due to a temporary injury, then after 7 days we'll pay their normal net weekly earnings up to £500 for up to 104 weeks.

    You can choose Personal Accident as an add-on once you've completed your quote.

Get a quote
or call us on 0345 303 1761
Get a quote Call us on 0345 303 1761

Policy documents

View and download our policy documents here: