Landscapers Insurance
Business Insurance for Landscaping Contractors*
Landscapers work with chemicals, sharp tools, heavy machinery and other hazards. Getting landscaping insurance in Australia can protect your business from unexpected costs related to damage, injuries, and theft. With appropriate insurance, you’ll get peace of mind while building trust with your customers.
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.*
Get a Quote
- Answers to Questions
- Suitable Cover
- On Your Team
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Why do Landscapers need business insurance? *
Business insurance for a landscaping business protects landscapers from financial loss related to property damage, injuries, and legal claims. Since landscaping includes working with heavy machinery, sharp tools, and chemicals in outdoor conditions, there are risks involved for landscapers and those around them.
Getting insured offers peace of mind for landscaping businesses. While there isn’t always a strict mandate for landscapers to be insured in Australia, insurance is required for most contracts and having it helps build trust with your clients. Landscaping insurance isn’t just one type of insurance, instead it typically includes a bundle of several important coverages.
What type of Insurance do Landscapers need? *
Public Liability Insurance
Public liability insurance protects businesses from property damage and injuries to third parties related to your landscaping. This could include injuries from power tools or breaking irrigation systems. The insurance may cover the compensation and legal costs associated with these accidents.
For example, a client could trip over a hose you’ve left across a walkway and break their wrist.
Tools and equipment insurance
Tools and equipment insurance may protect landscaping gear, tools, and equipment from accidental damage or theft. This insurance may cover repairs and replacements for items like mowers, trimmers, and power tools.
For example, your trailer could be broken into overnight and your blower, whipper snipper, and hedge trimmer stolen. Or you might drop a concrete saw during loading and need to replace it quickly to keep jobs moving.
Commercial vehicle insurance
Commercial vehicle insurance protects cars, utes, trucks, vans, and other vehicles used for landscaping businesses. It may cover the financial losses that occur due to fire, theft, damage, and other accidents.
For example, you could reverse your ute into a client’s retaining wall while unloading plants and tools. Or your work van could be stolen from a job site, leaving you without transport and equipment storage.
Personal accident and illness insurance
While public liability insurance covers third-party injuries in Australia, personal accident and illness insurance may cover loss of income and some medical expenses for your own injuries and illnesses. This insurance type is for landscapers that are self-employed, sole traders, and contractors.
For example, you might injure your back lifting pavers and be unable to work for several weeks. Or you could get a serious illness that keeps you off the tools, and the policy may help replace some of your lost income while you recover.
Workers’ compensation insurance
Landscaping businesses that have employees require workers’ compensation insurance. This mandatory insurance covers lost wages and medical costs for employees who become injured or sick on the job.
For example, an employee could slip on wet turf and tear a ligament, needing surgery and time off work. Or a team member might develop a work-related repetitive strain injury from weeks of hedging and whipper snipping.
Product liability insurance
Product liability insurance typically bundles with public liability insurance to cover claims of third-party injury and property damage caused by products. Even if a landscaping business doesn’t sell individual products, this insurance may cover harm related to products they install and supply during landscaping jobs.
For example, a garden edging product you’ve used could fail and damage a customer’s irrigation line or pool equipment.
Professional indemnity insurance
Landscaping businesses that offer advice, designs, and/or plans may offer professional indemnity insurance to cover financial loss from errors that occur, such as structural issues.
For example, a drainage plan you’ve designed could be incorrect, causing water to pool against a home and damage internal flooring. Or you might specify the wrong retaining wall height or materials, leading to a failed build and a costly rebuild claim.
Want your QUESTIONS on Business Insurance ANSWERED?
Get in touch. *
Get a Quote
- Answers to Questions
- Suitable Cover
- On Your Team
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What are the costs of Landscapers Public Liability Insurance?*
How much does public liability insurance cost for self-employed landscapers?*
Key factors in determining how much Public Liability insurance will cost a landscaper include:
- The nature and scope of the landscaping business. For example, the type of work performed by the landscaper.
- The landscaping business turnover and size. For example, is the landscaper a sole trader that does 100% of the work themselves, or do they employee a team of 2 subbies?
- Amount of insurance cover the landscaping business needs. Liability starts with $5 million cover, $10 million is popular with many self-employed contractors, $20 million cover is needed for landscapers that work for large companies, on commercial sites or have a team of employees.
Public liability insurance cost for a self-employed landscaper 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 landscaping business size, clients, experience, and business activities. For many landscapers, that perform broader building work, work from heights, work on busy sites, or that have employees, costs will be a lot higher.
Do I need business insurance to work as a self-employed Landscaper in Australia?*
Yes, even self-employed landscapers in Australia benefit from landscaping business insurance. You should have public liability insurance, which is required for most contracts to protect people and property from damage. Tool and equipment insurance, commercial vehicle insurance, and personal accident and illness insurance are also highly recommended to ensure you don’t have to pay unexpected fees when accidents occur.
Key Landscaping activities that may be covered include:*
- prepares plans and drawing
- selects materials and plants
- schedules landscape construction
- sets out and installs hardscape and softscape structures
- constructs gravel and paved areas, walls, fences, pergolas, ponds, barbecues and garden furniture
- prepares seedbeds and growing sites.
How do I get a Landscapers 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 landscaping business.
