What does ISR stand for?

Industrial Special Risks – insurance designed to protect large or complex businesses beyond standard coverage limits.

What types of risks are generally covered?

Damage, loss, theft, fire, natural disasters, accidental damage, and business interruption losses.

What are the benefits of ISR Insurance?

Comprehensive coverage, consolidated protection, and risk management guidance.

What are the drawbacks?

Some exclusions (e.g., war, nuclear events, certain machinery breakdowns). Risks are not included in an ISR unless explicitly specified, for example, machinery breakdown.

How does ISR differ from other insurance types?

It combines multiple coverages (property, interruption, theft, glass) under one flexible policy – unlike standard or liability-only insurance.

How can I obtain the right coverage?

Consult with an insurance broker who can help assess your risks, provide guidance, compare policy wordings and negotiate with insures on your behalf.

Gardening Insurance *

Gardening insurance is a practical combination of business insurance policies that supports everyday work for gardening and landscaping businesses while helping manage risks associated with property damage, injuries, and tools.

What is Gardening Insurance?*

Gardening insurance offers a combination of policies that manage risks associated with garden activities, specifically for professional gardeners, lawn care providers, and grounds maintenance workers. It’s geared toward small to medium gardening businesses, sole traders, contract landscapers, and other horticultural businesses.

While gardening sounds peaceful, the machinery, chemicals, and tools can pose a risk for gardeners and those around them. Therefore, gardening businesses need insurance to cover unexpected injuries, accidental damage on a client’s property, equipment breakage, and costs associated with business interruptions.

Gardening insurance is usually structured around a core public liability policy, and then you can add on other policies based on your operational needs. This could include tools & equipment, personal accident, products liability, and motor insurance.

Public Liability Protection

Covers costs and legal expenses if your business is legally responsible for third-party injury or property damage during gardening work.

Portable Equipment Cover

Helps replace or repair tools and equipment if they are lost, damaged or stolen - supporting business continuity when essential equipment is affected.

Personal Accident Income Support

Can provide a weekly benefit if you are injured or unwell for an extended time and temporarily unable to work, helping manage loss of income.

What Does Gardening Insurance Cover?*

Gardening insurance covers:

Third-party injuries related to gardening services
Accidental property damage
Lost, damaged, and stolen equipment and tools
Loss of income in the event of personal injury or illness
Damage and theft to commercial vehicles
Tax audit protection (option add-on)

Get Suitable Cover for Your Business Today

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Customer Reviews

How Smart Business Insurance Can Help with Your Gardening Insurance*

Working with an experienced insurance broker like Smart Business Insurance can help you understand what insurance policies are relevant for your gardening business. They can help you compare options from different Australian insurers by explaining key differences between cover types, including public liability, tools and equipment cover, personal accident, and optional extras.

Gardening insurance isn’t just one set insurance policy. Every gardening business is different when it comes to the services they provide and the equipment they use. So, Smart Business Insurance can help you understand which policies align with your business operations while following any contracts and local requirements that might apply.

Every step of the process is easier with an insurance broker by your side. You can start by selecting core policies and then decide if any add-ons are necessary. Along the way, Smart Business Insurance can explain the benefits and key differences of policies, such as how personal accident cover differs from income protection and workers compensation.

Frequently Asked Questions

What is Gardening Insurance and Who Needs it?

Gardening insurance refers to policies that protect businesses from common gardening risks. It’s suitable for small gardening businesses, landscapers, and grounds keepers so they don’t have to face financial ruin if something goes wrong on the job.

Do I Need Public Liability Insurance for a Gardening Business?

Public liability isn’t strictly mandated by law for gardening businesses in Australia, however, certain contracts may require it. Even without legal requirements, gardening businesses still need public liability to protect the business from claims of third-party property damage and injuries related to your work.

What Tools and Equipment Can Be Covered?

Power tools, landscaping tools, heavy equipment, hand tools, and specialized equipment can all be covered, depending on your policy details. This could include shovels, lawnmowers, hedge trimmers, leaf blowers, and fertilizer spreaders.

Is Personal Accident Cover the Same as Workers’ Compensation?

While both policies cover injuries, who they cover and which injuries are included differ. Workers’ compensation is required by law to cover employed staff from injuries and illnesses on the job. Personal accident is optional, covering sole traders or contractors from accidents both on and off the job.

How Much Does Gardening Insurance Cost?

Gardening insurance can cost anywhere from $640 and $1,200+ per year for standard coverage. However, the amount fluctuates depending on the business size, cover limits, included policies, and risk profile.

Can I Add Vehicle Cover?

Yes, commercial vehicle protection is a policy that can be added onto gardening insurance. Commercial auto insurance covers damages and injuries from accidents involving work vehicles.