Lawn Mowing Insurance

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Business Insurance for Lawn Mowing*

Lawn mowers need business insurance, including public liability insurance, as self-employed lawn mowers are at risk of causing unintentional damage to property and people.

For example, property can be damaged , or a client or passerby can be injured, by loose objects thrown from spinning lawn mower blades.

Fortunately, suitable business insurance for lawn mowers may provide protection against financial hardships that could arise from accidents, property damage, or legal claims caused by your lawnmowing business activities.

Lawn mowing business and public liability insurance may cover property damage, injuries to third parties that are caused by your lawn mowing work activities.

Many Business Owners are UNSURE if they are COVERED PROPERLY.
We help them find affordable and SUITABLE INSURANCE so they can run their business with CONFIDENCE.*

What Insurance Do I Need as a Lawn Mower?*

Some of the major types of business insurance covers available to lawn mowers in Australia are explained below and include:

  • Public Liability Insurance
  • Business Insurance Pack
  • Personal Accident Insurance
  • General Property and Tools
  • Commercial Motor insurance
  • Plant and Equipment Insurance

Why do Lawn mowers need public liability insurance?*

Public Liability Insurance coverage is essential for all self-employed lawn mowers.

Lawn mowers need public liability insurance as lawn mowers face risks such as property being damaged , or a client or passerby suffering injury, by loose objects thrown from spinning lawn mower blades.

Or a lawn mower could spray chemicals on a client’s lawn, and the chemicals spread to a neighbour’s property, damaging the neighbours’ plants and grass. Since the neighbour holds you responsible, you may be facing a claim for damages and legal costs.

People and property on site may be hurt or damaged due to accidents involving lawn mowing work.

Protections offered to self-employed lawn mowers by public liability insurance in Australia generally include:

  • Injury to other persons due to your lawn mowing activities –Where a lawn mowing business activity causes harm to a third-party person. For example, a client ignores your warnings to stay inside while you are lawn mowing and injure themselves when they trip and fall on your equipment.
  • Damage to others property due to your lawn mowing activities – Where a lawn mowing business activity causes damages to a third- party’s property. For example, a lawn mower may accidently cause damage in a client’s or neighbours garden, fence, vehicle or house while performing work.
  • Harm to other persons or other persons property due to your lawn mowing business’s products – Where a lawn mower business’s products and goods supplied causes harm to a third party -person or a third- party’s property. For example, products a lawn mower has supplied, repaired, or manufactured cause harm, injure someone or cause property damage.

Public liability insurance coverage may protect lawn mowers from claims that arise when others allege, they are negligent.

A lawn mower’s public liability policy may provide a defence against the ensuing lawsuit when needed and may pay the damages sought by the injured party.

Business insurance pack for lawn mowers*

Owners of lawn mowing businesses may be able to combine multiple covers in a single business insurance pack policy.

By ‘packaging’ your business insurance into a ‘business pack’ lawn mowers can potentially cover many of the risks their business faces in the one policy.

For example, if a lawn mower has a commercial premises, a business insurance pack may provide cover for buildings and contents if they are accidentally damaged by a defined event, such as fire, storm, impact damage, accidental damage, vandalism, or malicious damage.

Other typical inclusions for lawn mowers with a business insurance pack are Public Liability Insurance and Product Liability Insurance.

Optional inclusions for lawn mowers with a business insurance pack are General Property, Contents, Machinery, Plant and Stock, Glass, Money , Business Interruption and Marine Cover.

Personal Accident Insurance for self-employed lawn mowers *

As a self-employed lawn mower your personal safety is your livelihood.

Personal accident insurance for lawn mowers may provide cover for 52 or 104 weeks and up to 85%* of weekly income at the time of the injury; depending on the amount of coverage agreed when the policy is taken out.

Time away from work from an accident will have a direct impact on a self-employed lawn mower’s income, and a long period away can negatively affect their savings, family, and lifestyle.

Personal Accident Insurance may help self-employed lawn mowers pay for essential bills and other financial commitments if they have an accident.

General Property and Tools Insurance for lawn mowers *

As a lawn mower, you are likely to have many tools and equipment that allow you to do your job, such as lawn mowers, hedge trimmers, blowers, wheelbarrows, pressure sprayers, spades, and rakes to name a few.

If your property is damaged or stolen, your business cannot operate effectively.

General property insurance can help you keep operating effectively.

It can provide needed funds to replace your tools such as lawn mowers, hedge trimmers, blowers, wheelbarrows,  pressure sprayers , edge trimmers , spades, and rakes ….and help keep you in business.

Commercial motor insurance for self-employed lawn mowers *

Commercial motor insurance should be considered for lawn mowers that drive their vehicle from site to site. Light trucks, vans and Utes may be covered.

Plant & Equipment Insurance for lawn mowing businesses*

Plant & Equipment Insurance may provide cover for owners of small lawn mowing businesses that operate equipment such as commercial grade lawn mowing trailers, ride on mowers, and weed sprayers.

Cover may provide lawn mowers with protection for theft, damage, consequential loss, liability, road risk and machinery breakdown.

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What are the costs of Lawn mowing Public Liability Insurance?*

How much does public liability insurance cost for self-employed lawn mowers?*

Key factors in determining how much Public Liability insurance will cost a lawn mower include:

  • The nature and scope of the lawn mowing for example, the type of work performed by the lawn mower.
  • The lawn mowing business turnover and size. For example, is the lawn mower a sole trader that does 100% of the work themselves, or do they employee a team of 2subbies?
  • Amount of insurance cover the lawn mowing business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20million cover is needed for lawn mowers that work for large companies, on commercial sites or have a team of employees.

Public liability insurance cost for a self-employed lawn mowers with no previous claims, starts from around $560* or $55 per month for $5 million Public Liability Insurance.

*** Please note ***: While cheap Public Liability Insurance can seem attractive on the surface it is important to ensure the policy covers you for the full business activities you undertake, and that the insurance policy and company will respond as intended when there is a claim. Costs may differ greatly from the above based on the lawn mowing business size, clients, experience, and business activities. For many lawn mowers, that work at heights , perform tree lopping , broader landscaping or building work, or that have employees, costs will be a lot higher.

Do I need business insurance to work as a self-employed lawn mower in Australia?*

Self-employed lawn mowers, or owners of lawn mowing businesses , subcontracting for builders will typically be required by the builder to obtain their own public liability insurance to get on site.  This is typical for contractors working for builders throughout Australia.

Many small business owners, and even home owners , will also ask to see proof of a lawn mowers insurance cover, called a certificate of currency, prior to awarding them work and ask for an update each year.

As a self-employed lawn mower, suitable business insurance may provide credibility and valuable protection against the cost of a claim too.

Key lawn mowing activities that may be able to be covered include:*

  • Mowing
  • Pruning
  • Landscaping
  • Maintenance of lawns , flowers , bushes and trees
  • Weeding
  • Watering
  • Tidy up

Why do lawn mowers need tools insurance?*

Lawn mowers need tool insurance as tools are the lifeblood of lawn mowing.

They help lawn mowers just like you to complete work on time, and to deliver quality workmanship.

Lawn mowers have a large number of tools compared to many other trades. And good tools are expensive. If they break or are stolen, it can impact your ability to get the job done or cost you thousands to replace.

Without tool insurance, you may have to dig into your own savings or borrow money to get the tools replaced or repaired.

Different types of lawn mowers that may be able to be covered:*

  • Lawn mower
  • Landscaper
  • Arborist
  • Groundskeeper
  • Residential lawn care
  • Commercial lawn care

Why should lawn mowers use an insurance broker in Australia?*

If you are a lawn mower deciding on whether to use an insurance broker for your business insurance, it is important to consider that brokers act in the interests of the self-employed lawn mower.

Direct insurers and agents act for the insurer. This can be important; especially if you need to claim.

Brokers can help lawn mowers by sourcing competitive quotes on policy inception, negotiate with the insurance companies to prevent or limit increases on renewal, remarket your policy to other suitable insurance companies where appropriate, talk to underwriters about policy wordings, industry classifications and terms, talk to insurance assessors during the claims process and repairers where necessary.

How do I get a lawn mowers insurance quote?*

Simply TALK to a SMART Business Insurance broker on 1300 542 573 or contact us online for suitable and affordable public liability and business insurance quotes for your lawn mowing business.