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As a horticultural consultant, having the right business insurance is crucial to protect you when advising growers, landscapers, and nurseries. Our public liability insurance protects you against claims if a client is injured or their property is damaged while you are working on their site.
As a horticultural consultant, your advice needs to be accurate as it can directly impact client incomes and profitability. However, mistakes can happen, and without insurance, just one error leading to a significant loss of inventory or destruction of crops could leave you facing substantial payouts.
Our tailored public liability policies give you complete peace of mind that any injury, damage, or financial loss claims caused by your advice will be dealt with efficiently.
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Our Professional Saver Insurance (Covea) has been independently rated 5 Stars by Defaqto – the highest possible rating, awarded to excellent products with a comprehensive range of features and benefits.
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Horticultural consultancy insurance protects professionals who provide guidance to commercial growers, nurseries, garden centres, landscapers, and local authority parks departments on:
Horticulture consultants insurance covers public liability risks if, for example, you accidentally damage a client’s irrigation system during an inspection. It also provides professional indemnity cover for scenarios like failing to identify a fungal infection that devastates a client’s fruit tree orchard.
Our horticultural consultancy policies can provide the following protection:
Public liability insurance covers any injury or property damage caused while visiting sites. For example, accidentally breaking a window in a greenhouse during an inspection.
This insurance provides protection if your horticultural advice leads to financial loss for a client. For example, flawed guidance on irrigation, nutrition, or humidity control causes loss of crops and, therefore, income. We would cover the resulting claims.
This insurance pays your legal costs and provides specialist legal advice and representation if you face civil claims alleging professional negligence. We can help defend against demands for large sums of compensation.
Equipment insurance will replace or repair items lost, stolen, or damaged during client site visits. It covers all equipment used, like soil testing kits, quad bikes, cameras, laptops, and more.
We can extend your core policy to additionally protect any contractors, self-employed consultants, or freelancers you use to help with surveys, reporting, or implementation work. This means we will provide coverage for all personnel conducting work under your brand.
With over 35 years of experience and hundreds of businesses protected, you can trust Professional Saver to fully protect your horticultural consultancy. We offer these key benefits:
Get an insurance quote using our simple online form. Discover how Professional Saver can protect your consultancy from just £54* a year.
* Total number of live policies as of 31/10/2025
Horticultural consultants are vulnerable to negligence claims because growers rely on their specialist advice to maximise yields and profitability. Flawed guidance leading to lower revenue or loss of inventory risks substantial payouts without adequate insurance.
Examples of scenarios we would cover include:
Our professional indemnity insurance covers loss of income claims from scenarios like these across all common horticultural consulting areas.
We cover horticultural guidance across areas like:
Essentially, most loss claims stemming from standard horticultural consultancy activities are covered.
Yes – our policies extend to any temporary staff, sub-contractors, or freelancers working under your consultancy brand. For example, if a pest control expert you bring in provides flawed advice leading to inventory loss, our insurance helps protect against the financial claim made against you as a result.
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
From only£55per year
