Landscapers Insurance
Get Landscapers Insurance and cover your landscaping business.
Questions? Call us now on
Why Do You Need Landscapers Insurance?
Landscapers insurance is essential because it protects your business from financial losses due to risks inherent in landscaping work.Â
Here’s why you need it, broken down into clear reasons:
01
Covers accidents and injuries: Landscaping involves tools, equipment and physical work which can lead to accidents. Without insurance, you’d pay out of pocket which could be thousands of dollars.
02
Protects Your Tools and Equipment: Landscaping gear (e.g., lawnmowers, trimmers or chainsaws) is expensive. With insurance, you can make sure you’re not stuck replacing costly items.
03
Income Security: If you’re injured on the job and can’t work, this insurance can provide you with financial support for medical bills or living expenses, ensuring you’re not left struggling.
04
Meets Client Expectations: Many commercial clients and contracts require proof of insurance before you start work. Without it, you could lose out on lucrative jobs.
05
Covers Professional Mistakes: If you’re a landscape designer or architect, this insurance can protect you if a client claims financial loss due to errors in your plans or advice like a design flaw causing extra construction costs.
What’s Included in Landscapers Insurance?
Landscapers Insurance typically includes:
01
Public Liability Insurance: Covers claims for third-party property damage or personal injury caused by your work.
02
Tools and Equipment Insurance: Protects your tools (e.g., lawnmowers, trimmers, chainsaws) from theft, loss or damage.
03
Personal Accident Insurance: Provides financial support if you’re injured and unable to work, covering medical bills or living expenses.
04
Domestic Building Insurance (DBI): Covers structural defects and non-structural defects if you can’t complete the job due to insolvency, death or disappearance. Note that DBI is governed by state and territory legislation. This means that the specific guidelines, coverage and eligibility requirements can vary depending on the state and territory.
05
Commercial Vehicle Insurance: Covers your work vehicles (e.g., ute, van or truck) for accidents, theft or damage.
06
Professional Indemnity Insurance: Essential for landscape designers or architects who provide advice or plans. Covers financial losses due to errors or negligence in your professional services.
Who Should Get Landscapers Insurance?
If you’re a landscaper, gardener or lawn mowing professional in Australia, you need Landscapers Insurance.Â
It’s essential for:
.webp){kind=icon}
Sole traders maintaining residential gardens or small projects.
Small to medium businesses handling commercial or large-scale landscaping jobs.
Landscape designers or architects providing professional advice or plans.
Contractors working on domestic projects.
Anyone using tools, equipment or vehicles to carry out landscaping work.
Frequently asked questions
Can I get insurance if I only do landscaping part-time?
Absolutely. Insurers offer flexible policies for part-time landscapers or sole traders. You can get Public Liability Insurance and Tools Insurance tied to your Landscapers Insurance and tailored to your workload.Â
Be upfront with your insurer about your part-time status to ensure accurate coverage.
Does my insurance cover temporary workers or seasonal staff?
Your Landscapers Insurance typically covers only you or your permanent employees. Temporary or seasonal workers need their own insurance or you can extend your policy to include them which may increase your premium. For example, adding a seasonal worker to your Public Liability policy might require proof of their qualifications and an updated risk assessment. Always inform your insurer when hiring temporary staff to avoid gaps in coverage.