Insurance for Landscapers

Specialist insurance for landscapers and landscape gardeners working across domestic, commercial and public environments.

Whether you work alone or run an established landscaping company, we can help arrange cover around the services you provide.

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Insurance for Landscape Gardeners

CHAS Insurance is a national broker arranging specialist insurance for landscapers and landscape gardening businesses across the UK.

Landscaping can involve machinery, excavation work, heavy materials and work around members of the public. Damage to underground services, nearby property or planted areas can also result in claims.

The insurance you need will depend on the services you provide, the equipment you use and the types of sites on which you work.

We will take the time to understand your business before arranging cover.

Contact CHAS Insurance today to arrange landscaping business insurance.

Our Simple Three-Step Process

Answer Questions
You’ll receive a series of questions to answer to give us more information.

We’ll Be In Touch
We’ll contact you within 48 hours to discuss your insurance quote and get set up.

Business Insurance for Landscaping Companies

Landscaping businesses may provide garden maintenance, planting, fencing, paving, drainage or larger hard landscaping projects.

Your insurance should reflect the machinery you use, whether excavation is involved and whether work takes place in domestic gardens, commercial grounds or public spaces.

CHAS Insurance arranges cover for self-employed landscape gardeners, small teams and established landscaping companies.

We will also consider how employees, subcontractors and hired equipment are used.

See What Our Customers Say

Corporate

“Running a construction business comes with enough challenges, so having a broker who makes insurance simple is a huge relief. They explained everything clearly, found us the right cover, and are always on hand when we need them. It gives us real peace of mind on every job.”

Kelly, Creative Building Projects Ltd

Tradesman

“Reliable, knowledgeable, and easy to deal with. They understand the construction industry and made sure we had the right cover in place from day one. Highly recommended.”

Tom, Do It All Construction

Corporate

“CHAS Insurance have been our ‘go to’ broker for the past 6 years and have always provided a stress-free renewal process with very competitive rates.”

Steve, Valley Provincial Ltd

Tradesman

“As a small business owner, having the right insurance is essential. They took the time to understand our needs and tailored a policy that gives us real peace of mind. Their customer service is responsive, friendly, and genuinely helpful. It’s refreshing to deal with an insurance provider that actually cares.”

Adrian, Padmans Builders

Corporate

“As a business, finding reliable insurance is non‑negotiable, and this company exceeds this. Their team take the time to understand our operations, identify potential risks, and build a policy that fits how we work—not just a generic package. The best part about our experience with Chas Insurance is that they always go above and beyond to make sure our needs are met and they are very responsive to any questions we may have.”

Sandra – Electroplan

Tradesman

“CHAS Insurance provided us with excellent service when arranging our liability insurance. They secured great cover at a competitive premium and made the whole process straightforward and hassle-free.”

Pankhurst & Clark Tiling Contractors Ltd

What Does Landscaping Business Insurance Cover?

Landscaping insurance can combine several covers within one wider business policy.

The right arrangement will depend on the services you offer and the scale of your work.

Public Liability Insurance for Landscapers

Public liability insurance protects your business if your work causes injury to another person or damage to their property.

This could include damage to underground services or an injury involving machinery, tools or materials.

Employers’ Liability Insurance

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

It covers claims from employees who are injured or become ill because of their work.

Contractors All Risk Insurance

Contractors all risk insurance can protect work in progress, materials and certain equipment during a project.

It may be relevant for larger hard landscaping or construction-based work.

Tools and Equipment Cover

Tools and equipment cover can protect machinery and essential landscaping equipment against theft, loss or damage.

This may include both smaller tools and larger items, subject to the policy terms.

Hired-In Plant Cover

Hired-in plant cover can protect equipment rented for a project where you are responsible for loss or damage.

This may be relevant for excavators, compactors and other specialist machinery.

Supporting Accredited Landscaping Contractors

CHAS Insurance works with contractors that need to meet the requirements of schemes including CHAS, Constructionline and SafeContractor.

Commercial and public-sector clients may ask for specific insurance limits before awarding work.

We can help arrange suitable cover and provide the required documentation.

Get a Landscaping Business Insurance Quote

CHAS Insurance arranges cover for self-employed landscape gardeners and established landscaping businesses across the UK.

Your insurance will be built around the services you provide, your equipment and the environments in which you work.

Speak to our team today for a tailored quotation.

We work with contractors accredited by the following organisations…

Frequently Asked Questions

Is landscaping insurance a legal requirement?

Employers’ liability insurance is generally required by law if you employ staff or use labour-only subcontractors.

Other covers may be required by commercial clients or principal contractors.
Do landscape gardeners need public liability insurance?

Public liability insurance is strongly recommended because landscaping work can cause injury or property damage.

Many clients will also expect you to hold suitable cover.
Can landscaping insurance cover hired machinery?

Hired-in plant cover may be available for machinery rented for a project.

The insurer will need details of the equipment, its value and how it will be secured.