Lawn Mowing Insurance

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.