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*The monthly figure shown is an average equivalent monthly of the annual premium. Higher first payment applies and individual premium may vary.
Fast, easy online quote in 90 seconds
24hr legal advice helpline included
No hidden fees or cancellations
Our specialist insurance for landscape architects and garden designers offers specialist cover against a whole host of risks facing landscape and horticultural design professions.
A mistake or unforeseen event could have a serious impact on your business. An error in a landscaping plan, an injury suffered by a visitor at your offices or the theft of a computer containing expensive landscape design software could cost your business thousands and damage a hard earned reputation. Our garden design and landscape architect insurance can cover your business in these scenarios and more.
We can help you build a tailored policy for your business online and insure you in minutes. Our simple quote system asks about your business activities and offer you covers that may be of interest. You can choose to buy all or just some of the covers quoted, so you will only ever pay for the insurance you need.
Cover at a glance:
- Safeguards your business and professional reputation
- Covers design errors, client disputes and copyright issues
- Public and employers’ liability available
- Suitable for freelancers and small design firms
- Equipment and stock cover optional
What is landscaping and garden design insurance?
Landscaping and garden design insurance aims to protect professionals and businesses working in outdoor spaces, such as landscapers, garden designers, and horticulturists. This insurance can cover risks associated with designing, planning, and maintaining gardens or landscapes, including property damage and injuries to third parties. It can also provide coverage for tools, equipment, and potential legal costs if a client files a claim against your services, depending on which cover you choose to include.
Securing this insurance can help you operate confidently, giving you financial protection against unforeseen incidents that may occur during landscaping or garden design projects.
Cover starting at
£5 a month*
*Based on a landscape architect requiring £1,000,000 public liability cover.
Why do I need landscaping and garden design insurance?
Landscaping and garden design insurance can be an essential safeguard for anyone providing landscaping, garden design, or maintenance services, whether as a sole trader, small business, or contractor. You may consider this insurance if you regularly work at client properties, hire staff, use specialised equipment, or offer advice and design services, or if a client or venue requires proof of insurance before allowing you to commence work on their premises. This coverage is especially important for professionals who handle large projects, manage teams, or work with hazardous materials, as it can protect against third-party claims and accidental damages.
Example policy documents
If you have an existing policy with us, please sign in to view your policy documents.
Below you will find examples of the documents provided.
Build a comprehensive landscape architect insurance policy online
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Professional indemnity insurance
Professional indemnity insurance covers the cost of defending your business against allegations of professional negligence (such as giving your client incorrect or wrongful advice) and if unsuccessful, the cost of damages awarded against you. This cover is vital for landscape architects and garden design professionals, and insurance is available with limits ranging from £100,000 to £5m.
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Public and product liability insurance
Public and product liability insurance covers the cost of defending your business (including damages awarded against you if unsuccessful) if someone is injured, or their property damaged, which arises from you going about your business or supplying products. The legal fees alone could cost your business thousands of pounds. If you visit client premises or sites, this cover is essential. Limits range from £1m to £5m.
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Employer’s liability insurance
Employer’s liability insurance is a legal requirement if your business has employees. It covers your business against claims for injury or illness suffered by employees arising from their employment. Cover for £10m.
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Legal expenses insurance
Commercial legal expenses insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided for the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Directors and officers insurance
Directors and officers insurance covers the costs of defending you as a director or officer of your company against allegations of wrongful acts and any damages subsequently awarded against you. Cover is also provided in respect of the legal costs and expenses of defending actions for disqualification as a director, investigations and extradition proceedings. Limits range from £100,000 to £5m.
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Office insurance
Office insurance covers your office buildings, office contents and computer equipment against accidental damage (including theft) whilst on your business premises. You can also choose to cover your business equipment (such as laptops and mobile phones) on a worldwide basis, and insure your business against loss of income and/or additional trading expenses following events such as damage to your property.
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Occupational personal accident insurance
Occupational personal accident insurance provides a weekly payment if you are unable to work due to temporary total disablement (subject to a 14-day deferment period) due to an accident at work, or when travelling to and from work. In the event of loss of limbs, sight, speech, hearing, permanent total disablement or death, a lump sum would be paid out. You should consider this cover if you would struggle to maintain an income following an accident that left you unable to work. Limits from £100/week to £500/week for temporary total disablement (£25k lump sum to £100k lump sum for permanent total disablement).
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Cyber and data risks insurance
Cyber insurance pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit following a cyber-attack. It also pays your legal defence costs and damages you are legally liable to pay to other parties. If you hold confidential information about your clients and their projects on computers and other internet connected devices, you should consider to this cover.
How it works
Choose the cover you require
Get a quote you need in minutes
Buy online or contact one of our advisors
How much does landscaping and garden design insurance cost?
The cost of landscaping and garden design insurance depends on factors such as:
- If you have any employees
- The equipment you use
- The level of risk involved
Policy cover can be selected to suit your specific needs, with coverage starting from £5 per month* at Markel Direct.
*Based on a landscape architect requiring £1,000,000 public liability cover.
Ready to build your quote?
Our simple quote process will help you to find the right business insurance for your individual needs.
Frequently asked questions
These frequently asked questions are designed to help you and include questions relating to policy cover, pricing and ‘technical’ terms.
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I need professional indemnity insurance to secure a contract - do you provide proof of cover?
Yes. If you purchase your policy with us, your documents are emailed to you instantly and include a dedicated 'Confirmation of Liability Insurance' document (detailing the cover you have with us) which you can present to agencies and clients as proof of cover.
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Is my past work covered?
We cover past work if you have held professional indemnity insurance uninterrupted prior to arranging your policy with us.
If there was a period of time where you did not have professional indemnity insurance in force (for example, you have never arranged professional indemnity insurance before, you chose not to renew a previous policy or you cancelled a previous policy at the end of a contract) we are unable to cover past work.
If you require further clarification, don't hesitate to call us on 0800 640 6600.
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What's the difference between professional indemnity and public liability?
Professional indemnity insurance covers against allegations of professional negligence - which means it would cover you if you were to make an error or mistake in a piece of work (such as a project or report) for a client.
Public liability insurance covers against allegations of injury or illness caused to third parties by your negligence. This includes many of the slips, trips and falls that are associated with personal injury claims. In addition, public liability insurance covers against damage to third party property - for example, if you were to damage a client-owned laptop or smartphone.
As they insure against different scenarios, it's important you consider arranging both types of cover to ensure you are properly protected.
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What limit of cover should I choose?
Many clients and industry bodies with regulatory requirements will require you to have a minimum level of cover for you to undertake a contract, so it's worth checking this before you arrange cover. If you're unsure, give some thought to a worst-case scenario and the likely costs involved in putting your mistake right. We offer a range of limits on insurance, so you're sure to find the right cover for your business.
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Why should I choose Markel Direct's Insurance
Markel Direct has over 25 years of experience insuring contractors, consultants and self-employed professionals. We insure over 200,000 micro businesses and are highly rated by our customers at Feefo.com.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
To talk about your insurance requirements and better understand our cover, call us on 0800 640 6600 or get a quick quote online.
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How are Markel Direct regulated?
Markel Direct is a trading name of Markel International Insurance Company Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Find out more on the Financial Services Register.
We are a division of Markel International, a Lloyd’s of London market insurer that wrote gross premium totals of £2.4bn in 2023
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