What Insurance do You Need for Your Garden Business?


Check out what insurance you need for your garden business to protect it from unexpected losses. Gardening operations come in contact with the public, and risks happen. 

What is garden business insurance?

Garden business insurance is a policy that covers property damage, personal injury, and legal expenses in general. It is similar to other business insurance, except that it primarily revolves around gardening operations. 

What are the different types of garden business insurance?

The insurance coverage varies depending on the chosen plan. The policy generally advertises two options — basic and premium. 

Under these two options are more specific insurance coverages such as public liability insurance, employer liability insurance, tool insurance, and commercial insurance. 

Public Liability Insurance

This insurance policy refers to the liability to public claims raised in connection to your business. This type of policy covers personal afflictions, property problems, and death. 

Bodily Injury

Public liability covers expenses to someone who harms themselves during business activities. It excludes employees injured from work because that kind of case belongs to another policy. 

Coverage includes laboratory fees, pharmaceuticals, doctor or nursing payments, and many more. Expenses include both the incurred charges and the amount that might arise soon. 

Property Damage or Loss

Public liability pays for the repair or replacement of damaged property owned by a third party. It covers damage from an accident or natural phenomena like fire or water hail. 

This policy compensates only for the incidents happening inside the business property or during the operation. 

Legal Charges

Public liability shoulders the expenses from any lawsuit filed against the company. Cases can range from trip hazards such as overgrown shrubs to flooding and drainage issues. 

Coverage includes costs for hiring, consulting, and paying attorneys. Other legally related expenses like judgment and settlement amount are also in the inclusion. 

Employer’s Liability Insurance

Employer liability is a general requirement for any company that employs one or more workers. It backs the business owner from external and internal claims related to the operation that may arise. 

Compensation includes those claims from harassment, wrongful termination, or injury related to employment. But this insurance will not cover any financial obligation when the employees are proven to be suffering from intentional aggravation.


Employer’s liability pays for proven claims that the business commits negligence that compromise the worker’s safety. 

For example, this type of insurance comes into play when workers get ill or injured in the operation field because the company fails to provide adequate protection measures. 

The policy will compensate for the lost wages and the employee’s medical bills. 

Third-Party Claims

Employer’s liability helps to cover the legal expenses to combat a third-party lawsuit. 

The company likes to reimburse or regain their spent money or lost profits. 

The event initially happens as the business sues the company for the equipment malfunctions. And that defect injures one or more employees in the workplace.

Loss of Consortium

This policy covers compensation when a family files a loss of consortium against the business organization. Loss of consortium refers to the benefit deprivation a family suffered due to an employee’s injury or death. 

The reparation for this claim is beyond the benefaction of the worker’s compensation. Worker’s compensation includes medical charges or lost salaries due to job-related afflictions. 

Tool Insurance

This policy is to protect the tools and equipment of your business operation. 

This insurance generally covers both the powered machinery (like stump grinder) and hand tools (such as a rake, shovel, or weed puller) for gardening works. The same goes for the operation materials leased to others, depending on the limits. 

Fire Damage

Tool insurance covers the cost of repairing damage to the equipment that is hit by fire. Some cases take replacement of the entire tool in worse events into account. 

No form of intentional fire or fraud will receive financial assistance. 

Accidental Damage

This coverage takes over the expenses incurred in accidental damages. Dropping a piece of equipment in unplanned circumstances during its transportation is an example. 

The policy will exclude any accident that occurred while the tool is in use. The same consequence applies to incorrect usage of the equipment. 

Stolen Tools

Tool insurance offers compensation for the theft of equipment. But this policy is only applicable to proven events with violent or forced entry. 

This coverage only considers stolen tools if these are initially in a secure location. There should be evidence like destroyed locks, broken windows, or doors in the robbed place. 

Commercial Vehicle Insurance

Commercial vehicle insurance is a policy of physical damage and liability coverages for the company’s automobile.

This insurance includes a variety of vehicles car, truck, van, and many more. The policy counts any commercial automobile that carries plants, gardening tools, and other business use equipment. 

Collision Damage

The policy compensates for the damage to the commercial vehicle when it involves an accident. 

Causes may include collision with a vehicle or another object such as barriers or trees. Guidelines may consider a single-vehicle accident involving rolling or falling over. 

Medical Payments

Commercial vehicle insurance shoulders the expenses of injured people as a consequence of an accident. A person can either be the driver or passenger. 

Compensation is not limited to surgery, hospital bills, and treatment necessities. This inclusion applies regardless of who is at fault. 

Comprehensive Physical Damage 

This policy helps cover the cost of damage incurred to your vehicle other than the collision. 

Causes may be theft, vandalism, and civil disturbances like a riot. The policy also includes damage due to natural disasters like tornadoes, floods, and hurricanes. 

How much does gardening insurance cost?

The amount of insurance varies depending on certain factors. These include the type, limits, location, and size of a garden business. Typical garden insurance costs about $500 a year.

Small or large, a gardening premise needs business insurance. This policy offers protection from sudden loss due to operation incidents.

There are many types of garden insurance. The public and employer liability policy covers claims incurred on involved individuals. Tools and commercial vehicles focus on the business asset that might be damaged or lost. 

An insurance policy’s cost varies depending on a few factors like location, inclusion, size, and coverage length.