Gardener Insurance

Business insurance that works when you do.

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities

Gardener insurance, simplified.

Why do I need a gardener insurance policy?

A a gardener, accommodating your clients’ needs (and schedules!) is part of the job. You need insurance coverage that’s there just when you need it, whether that’s five minutes before a last-minute booking or months in advance.

The General Liability insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. For example:

Bodily Injury
You are remulching a client’s front garden and leave a bag of mulch in the front walkway. As the client is leaving, they stumble over the bag and sprain their ankle.

Property Damage
While working at a client’s home, the ladder you are using to install window boxes above the driveway falls onto their car and cracks the windshield.


How much does small business insurance for gardeners cost?

The cost of your Gardener Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your gardening business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible gardener insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much gardener insurance would cost you and your business, get a quote from Thimble.

Get a Quote


How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.

Have questions? Visit our FAQs

Landscaping insurance protects your business from lawsuits, if you or your property accidentally hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Landscaping
  • Lawn & Yard Maintenance
  • Pesticide Application (Landscapers Only)
  • Trimming or Pruning Trees Exclusively at Ground Level (No Removals)

Optional Add-Ons

  • Chimney Cleaning
  • Concrete Construction
  • Plastering
  • Plumbing (other than a leaky faucet or toilet)
  • Snow / Ice Removal

Excluded Activities

  • Aerial Crop Spraying
  • Bedbug Remediation
  • Fumigation / Use of Gas
  • Grading or Excavating
  • Importing, manufacturing, growing distributing, storing, selling, using, or ingesting marijuana or any product of the plant Cannabis Sativa L. (whether or not it is the main ingredient or used in combination with other ingredients)
  • Highway or Right of Way Maintenance
  • Pool Construction
  • Termite Inspection or Remediation
  • Use of pesticides that are not EPA approved
  • Performing Work over Three Stories in Height (30 Feet)
  • Work performed before or after the policy period

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • See full policy for details

Thimble's instant coverage means you can be ready to tackle any job at a moment's notice.

Policies start at just $5/hr
"I very proudly put 'fully insured' on my business cards. When customers ask to see the certificate of insurance, I can send it directly to their email with the Thimble app." Jamie V., Landscaper

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.

The information provided is intended to be a description of coverages only. There is not guarantee of coverage. If there is a conflict between the description contained herein and the insurance policy contract, the terms of the policy shall control.