Gardening Business Insurance: Cost, Companies & Quotes From $15/month

A lot of risks are associated with running a gardening business or working as a gardener. You or an employee can sustain cuts, chemical burns, and allergies. 

Most importantly, accidents at work can’t only affect you but clients too, who might sue if they sustained injuries or property damage. That’s why you need gardening business insurance.

Insurance companies underwrite specialized gardening insurance for gardeners and gardening contractors. 

Also called gardeners insurance or simply garden insurance, this is composed of the many types of gardening business insurance policies such as general liability, public liability, and others.

General Liability Insurance for Gardeners

General liability insurance is a common inclusion is specialized gardener insurance plans. It provides protection against personal injury claims and property damage claims. Many situations in gardening can result in either of the two. 

So how does this type of gardener insurance work? General liability insurance for gardeners functions to:

• Cover or reimburse the medical expenses of an injured client, which you would’ve paid using personal funds
• Refund the value of the property you destroyed that’s owned by a client
• Provide the money you can use to pay for attorney fees, administrative costs, and other legal expenses associated with a personal injury claim or property damage claim 

Normally, specialized garden maintenance insurance has a general liability policy offering $1 million-$2 million coverage. 

Public Liability Insurance for Gardeners 

Public liability insurance for gardeners works the same way as general liability insurance. And so, you can use it to cover the cost of personal injury claims and property damage claims filed by third parties. 

Public liability insurance for most businesses and professions can’t be added with optional policies. 

The amount of coverage you get from public liability insurance for gardening business is $1 million-$2 million. But still, it’s possible for you to find a carrier selling a public liability insurance gardener having a minimum $500,000 limit.

Gardener Property Coverage

Gardener property coverage is what insurance companies officially call commercial property insurance for gardeners and gardening contractors.  The primary function of commercial property insurance is to cover the building you’re using for commercial purposes. 

Note that this type of gardening business insurance only provides coverage if the commercial building you’re using as a gardener or gardening contractor is damaged or destroyed due to the following perils:

• Winds
• Hail
• Storm
• Fire
• Theft
• Vandalism
• Impact
• Malicious damage
• Accidental damage

Your business property can be insured from $25,000 or as hefty as $100,000 or more. 

Workers Compensation Insurance for Gardening Contractors 

Get worker’s compensation insurance and add it to your commercial gardeners insurance plan to take care of employees. Particular costs covered are:

• Medical expenses-You can use this insurance to pay for ambulance fees, emergency room fees, and other expenses if an employee gets injured due to a work-related accident 
• Hospitalization-Workers compensation insurance will cover hospital bills on behalf of your gardening business if an employee needs to be admitted after sustaining a work-related injury or disease
• Medication-With workers compensation insurance, your gardening business can help an employee purchase prescription medicines without incurring losses
• Rehabilitation-Workers compensation covers rehab expenses if an employee of your gardening business sustains a permanent or temporary impairment.

Garden Equipment Insurance

Garden equipment insurance is a common inclusion in the specialized annual, monthly, or one day garden insurance for gardeners and garden contractors. This can be bought as an all-risk or named perils coverage. 

Garden Tractor Insurance

This is a specialized type of equipment insurance for gardeners and gardening contractors. Purchase this policy if a carrier’s equipment insurance doesn’t provide coverage for compact farm tractors, lawn tractors, gardening excavators, and other related machineries. Inclusions in garden tractor insurance are:

• Theft coverage-Covers parts replacement or repair cost if theft causes the loss or damage of a garden tractor 
• Physical damage coverage-Takes care or replacement or repair expenses if a covered tractor is damaged due fire, impact, weather, rollovers, and other covered perils.

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Professional Indemnity Insurance for Garden Designers 

Garden designers like you need to provide the utmost service to every client. The problem is that the work process isn’t smooth all the time. Uncontrollable factors will result to any of the following:

• Loss of important documents to be submitted to the client
• Delays in the completion of a garden design 
• Significant errors in the garden design, resulting in significant losses or even injuries 

Clients can sue if they sustain economic or financial losses because the garden design service you provided has substantial issues. And to protect yourself against this exposure, get professional indemnity insurance. 

Professional indemnity insurance for garden designers will indemnify the losses of the aggrieved client and pay for legal fees if you’re sued for committing or allegedly committing:

• Negligence
• Misrepresentation
• Violation of fair dealing
• Violation of good faith
• Breach of confidentiality
• Other covered acts considered errors and omissions

Landscape Gardeners Insurance

Landscape gardeners insurance, officially called by carriers as landscape and gardener business insurance, is a specialized coverage for independent professionals and contractors providing landscaping and gardening services. This is also called landscape gardening insurance by some customers. 

Community Garden Insurance

Community gardening insurance is a specialized coverage available for clubs and non-profits who own and manage a community garden. Generic business insurance plans for clubs and non-profits don’t include community gardens on their terms. This is why community garden insurance is useful. 

Garden Insurance for A Day 

Garden insurance for a day is sold as an insurance plan that offers general liability or public liability insurance. Gardening insurance daily basis premiums are calculated based on how many days you want to get covered. 

Some carriers also implement a fixed rate corresponding to how many days the coverage will take effect. 

Note that 24 hour garden insurance can also have equipment coverage and other business insurance policies, depending on the carrier underwriting it. Policy limits are $1 million-$2 million. 

Hourly Garden Insurance

Go for hourly gardening insurance if you need coverage for one day or less. This is usually sold as a general liability insurance that lasts for one hour, two hours, or three hours. Equipment and professional liability insurance might be offered, depending on the underwriter. 

Garden insurance hourly basis premiums are calculated based on many hours you want to get covered. The amount of coverage you get is $300,000-$1 million.

Garden Insurance by The Month 

Garden insurance by the month, as the name implies, lasts for one to six months. The availability of professional liability insurance depends on the carrier though. Garden insurance monthly basis premiums are calculated on a fixed rate that corresponds to how many months the policy will last. 

Gardening Insurance Cost 

Gardening insurance costs vary from one customer to the next as determined by location, number of employees, revenues, payroll, claims history, and more.

 Nonetheless, expect your premiums as a gardener to be somewhere near $38 per month or $456 per year for a $1 million general liability insurance.

 If you’re a gardening contractor, expect your $1 million general liability coverage to be at $43 per month or $516 per year. 

Best Gardening Insurance Companies 

Here are the best gardening insurance companies. Read to know their pros, cons, and rate for a $1 million general liability insurance. 

CoverWallet 

CoverWallet is an insurance broker that’s a sister company of AON. It sells insurance plans made up of the business insurance products underwritten by its partners such as Chubb CNA, and Liberty Mutual.

 CoverWallet sells general liability, workers compensation, commercial auto, and professional liability insurance for professionals providing garden maintenance and landscape gardening services. 

You can use CoverWallet’s online quotes comparison platform to find carriers underwriting specialty coverage for gardeners, gardening contractors, and landscape gardeners. 

Average cost: $28.75 per month 

Our rating: 10/10

Pros

• Stable rates
• Compare quotes online
• Get covered online
• Covers garden maintenance and landscape gardening businesses

Cons

• Not an insurance company but a broker 

Tivly® 

Tivly® covers a wide range of businesses. Its tailored insurance plan for gardeners and gardening contractors consists of general liability insurance, commercial auto, umbrella liability, and workers compensation insurance.

 Aside from its own insurance plan, Tivly® also sells those underwritten by partners.

Average cost: $31.50 per month

Our rating: 10/10

Pros

• Sells a wide variety of business insurance it underwrites and those of partners too
• Customizable gardening insurance coverage
• Responsive customer service 

Cons

• You need to talk with an agent to complete the quote process

Thimble

Thimble’s annual gardening insurance plan offers workers compensation, general liability, and commercial property insurance.

This company also sells an hourly or monthly corporate, LLC, or self employed gardener insurance plan, but note that this only offers general liability insurance, which you can pause or cancel anytime.

Thimble’s general liability insurance has zero deductibles. You can opt to get $1 million-$2 million coverage.

Average cost: $33.01 per month 

Our rating: 9/10

Pros

• ACORD 25 certificate of insurance 
• $0 deductible
• Get covered for an hour, month, or the whole year

Cons

• Customer service doesn’t have a phone number 

NEXT

NEXT doesn’t have gardening insurance. However, you can get covered through the company’s lawn care and landscaping insurance plan. Inclusions are general liability insurance, commercial property insurance, workers compensation insurance, and commercial auto insurance. 

Note that NEXT also underwrites a specialized community garden insurance plan. 

Average cost: $35 per month

Our rating:  8/10

Pros

• No hidden charges
• Send your certificate insurance as a text message, email, or social media post
• Seamless online policy management 

Cons

• Doesn’t underwrite a specialized insurance plan for gardening businesses

Hiscox 

Hiscox sells specialized insurance for landscaping and gardening businesses. Policies available are general liability insurance and cyber liability insurance. 

But note that you can customize by endorsing workers compensation insurance and commercial property insurance. In addition its landscaping and gardening insurance has worldwide coverage. 

Average cost: $45 per month

Our rating: 7/10

Pros

• Covers landscapers and gardeners in a single insurance plan
• General liability coverage can have more than $2 million limit
• Get covered locally and abroad

Cons

• Pricey
• Poor customer feedback on Better Business Bureau