Machinery, and other people’s gardens.
Commercial insurance for grounds and landscaping contractors of any size: a mower and a trailer, or a depot with plant and several crews.
Grounds & landscaping contractor insurance
Usually includes
Public liability
Employers’ liability
Premises & contents
Business interruption
Stock & materials
Tools, plant & equipment
One
conversation.
You explain the business once, and we take it from there.
Bespoke service
for your business
No two businesses are the same, so we start with yours rather than with a template.
Everything
quoted together.
The tools, the van, your liability and the work in progress, priced in one go rather than piece by piece.
Know your cover
What is grounds & landscaping contractor insurance?
Grounds work combines powered machinery with other people’s property and, often, the public walking past. Add plant worth real money sat in a depot or on a trailer, and seasonal work that can’t easily be made up if you lose weeks, and it needs cover shaped for the trade at whatever size you run. Cover for it comes as a commercial combined policy: property, liability and business interruption in one, with fleet alongside, sized to what you actually run.
Machinery in open spaces
Mowers, strimmers and chippers throwing debris where people are.
Plant worth real money
Ride-ons and machinery are a serious asset, in the depot or on a trailer.
A seasonal calendar
Lose weeks in the growing season and they’re hard to make back.
Who it’s for
Whatever you maintain.
✓
Domestic gardeners
Regular maintenance and small garden work.
✓
Grounds maintenance contractors
Commercial grounds, estates and public spaces.
✓
Landscaping contractors
Hard and soft landscaping, design and build.
✓
Tree & hedge work
Pruning, hedge cutting and vegetation management.
✓
Sports turf & groundskeeping
Pitches, greens and sports surfaces.
✓
Firms with a depot
Plant and machinery based out of a yard, crews out daily.
What we cover
Cover built around the way you work.
We get to know how you actually run before we build anything around it.
Public liability
Injury or damage arising from your work, on private grounds or where the public pass.
Employers’ liability
Legally required once you employ anyone, seasonal staff included.
Premises & contents
The depot, yard or unit you work out of, and everything in it.
Business interruption
If the depot is out of action mid-season, that’s hard to make back. This covers the gap.
Stock & materials
Plants, turf, aggregate and materials at the depot or on the trailer.
Tools, plant & equipment
Mowers, ride-ons, strimmers, chippers and powered equipment.
Legal expenses
Contract disputes, employment matters and the cost of defending a claim.
Fleet
Vans, tippers and trailers on one fleet policy alongside the main cover.
Cyber & data
A payment diverted to someone posing as a subcontractor, and an attack on the office systems that hold your contracts and payroll.
Who this cover tends to suit.
This cover is generally bought by grounds and landscaping contractors at any size, from a mower and a trailer to a depot with plant and crews. Not every part will apply to every business, so tell us how you’re set up and we’ll show you what’s relevant rather than sell you cover you don’t need.
Worth knowing
Check the details before you choose.
Debris from machinery
Strimmers and mowers throw things, and windscreens are the usual casualty.
Plant theft
Ride-ons and machinery are targeted, from depots and trailers alike.
Chainsaw and height work
Tree work is assessed separately from ground-level maintenance.
Seasonal peaks
Losing weeks in the growing season is harder to absorb than in winter.
Every site is different.
A domestic garden round and a commercial grounds contract don’t carry the same risk. We ask different questions, and we’ll quote both.
Gardeners
Grounds maintenance
Landscaping
Soft landscaping
Hard landscaping
Garden design
Hedge cutting
Grass cutting
Gardeners
Grounds maintenance
Landscaping
Soft landscaping
Hard landscaping
Garden design
Hedge cutting
Grass cutting
Tree work
Vegetation management
Sports turf
Groundskeeping
Estate maintenance
Planting schemes
Paving & patios
Fencing & decking
Tree work
Vegetation management
Sports turf
Groundskeeping
Estate maintenance
Planting schemes
Paving & patios
Fencing & decking
Why Vara
Bespoke service for you & your business,
without the big-firm minimum.
01
We ask what’s on the trailer
A mower and a trailer and a depot running plant and several crews differ on plant values, payroll and what sits in the yard overnight. We ask what you run before we approach anyone.
02
Cover that reflects the machinery
Plant is the asset and the hazard at the same time. We set both up properly.
03
Certificates your contracts will accept
Estates, councils and agents want proof before you start. We turn it round quickly.
04
We present the risk right
Work mix, plant values and claims history all change what you pay.
You talk to a person. The machines do the typing.
Free review of your grounds & landscaping cover and costs.
Cover spread across three or four policies? Leave your details and we’ll call you straight back. One conversation covers the lot.
What the review covers
Strimmers and mowers throw debris where people are, and windscreens are the usual casualty.
Ride-ons and machinery are targeted from depots and trailers alike, so tell us what you run and where it’s kept.
We approach insurers on our panel who write grounds and landscaping risks, and come back with what they’ll offer.
We explain each option in plain English, including what it doesn’t cover.
If it’s not a risk we can place, we’ll tell you straight away rather than leave you waiting.
No obligation to switch. You decide what fits.
Rather not wait? Call us on 0333 091 3663
Good to know
Grounds & landscaping questions, answered straight.
What insurance does a grounds contractor need?
Am I covered if a strimmer throws a stone into a car?
Is my ride-on covered if it's stolen from the depot or a trailer?
Does tree work need flagging separately?
Can my vehicles go on the same arrangement?
How is business interruption calculated?
Are my materials and stock covered, or just tools?
What does this cover if I lease my premises?
Vara Commercial Insurance · 0333 091 3663
Vara is a trading name of Koral AI Operating Company Limited. Vara is an appointed representative of Innovative Risk Labs Ltd, under Firm Reference Number 1060955. Innovative Risk Labs Ltd is authorised and regulated by the Financial Conduct Authority, under FRN 609155. We are registered in England and Wales under Registered Company Number 17256222. Registered office: 167-169 Great Portland Street, 5th Floor, London, W1W 5PF.