Insurance For Landscpaers
Landscaping business insurance made easy, organise a quote!
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Insurance for your business
Running a landscaping business comes with risks. Whether you are designing gardens, maintaining lawns or handling heavy machinery, unexpected events can happen. Accidents, property damage or stolen tools can put your business in a tough spot. The right landscapers insurance helps you stay covered so you can keep working with confidence.
Why Landscapers Need Insurance
No two days on the job are the same. One day you’re setting up a garden bed at a family home, and the next you’re managing crews on a commercial site with heavy machinery in play.
Things can go wrong quickly. A broken retic line might flood a yard, or someone could trip over your gear and end up with an injury. If you’re not insured, those costs don’t just hit hard; they land squarely on you.
The right cover gives you a safety net. It keeps your business moving when things don’t go to plan, and helps you avoid digging into your pocket to fix someone else’s problem.
Who Should Consider Landscapers Insurance?
If you work in any of the following areas, having the right cover is a smart move:
- Lawn care and maintenance
- Garden design and landscaping
- Tree lopping and trimming
- Irrigation and drainage installation
- Hardscaping, including paving and retaining walls
Whether you are a sole trader or manage a team, insurance helps you avoid major financial setbacks.
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Public Liability Insurance For Landscapers
This is one of the most important covers for landscapers. It protects your business if a third party suffers injury or property damage because of your work. For example, if a tree branch falls and damages a parked car, public liability insurance can cover the cost of repairs.
Tool and Equipment Insurance For Landscapers
Your tools and machinery are the backbone of your business. If they are stolen or damaged, replacing them can be costly. This cover helps you get back to work quickly without the financial strain of replacing important gear.
Commercial Vehicle Insurance For Landscapers
Landscapers rely on vehicles to transport tools, materials and equipment. If your work vehicle is damaged or stolen, this insurance helps cover repair or replacement costs so your business keeps running smoothly.
What Risks Should Landscapers Insure Against?
Landscaping comes with its fair share of risks. Working with heavy tools, machinery, and outdoor elements means accidents can happen. From property damage to injuries or stolen equipment, unexpected setbacks can put your business and income at risk. The right insurance helps protect you from costly claims, so you can focus on the job without worrying about what might go wrong.
Your Trusted Business Insurance Partners, Wherever You Are
For immediate response please give us a call.
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Get a FREE QUOTE
Complete the form to request a FREE QUOTE. Call us at 1300 900 207 for immediate response.
Case Study
Mark, a landscaper, was grinding a tree stump when debris shattered a client’s glass pool fence. The client demanded immediate repairs, which would have cost
Mark thousands out of pocket. Luckily, his public liability insurance covered the damages, saving his business from financial strain.
What usually isn’t covered?
Exclusions, the excess you need to pay and limits of liability can vary greatly depending on your insurer.
Landscaping Insurance Policies generally won’t include cover for:
- Cost of rectifying faulty workmanship
- Tree Lopping Above Certain Heights
- Claims by employees
- Claims related to professional advice or design ( see Professional Indemnity )
- Claims related to asbestos
Do landscapers need public liability insurance?
It is not legally required, but most landscapers have it because accidents can happen on the job. If a client trips over or a falling branch damages a car, public liability insurance helps cover the costs instead of you paying out of pocket.
Will my insurance cover subcontractors?
Not always. Some policies only cover your direct employees, so if you hire subcontractors, they may need their own insurance. Let our team know so we can assist you.
I provide professional advice or design services
If you provide professional advice or design services as a landscaper, it’s important to have Professional Indemnity Insurance. This type of insurance protects you if a client claims your advice or designs caused them financial loss. For example, if a design flaw leads to costly issues, the client might seek compensation. Professional Indemnity Insurance covers legal fees and any damages awarded
What affects the cost of landscapers insurance?
Several things can impact how much you pay, including:
- The size of your business and the type of work you do
- Whether you work alone or have employees
- Your past insurance claims
- The amount of cover you choose
Get in Touch
Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.
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Suite 77 Level 2/14 Edgewater Ct, Robina QLD 4226
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PO Box 7005, Mount Crosby QLD 4306
Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.
Please complete the form to submit an enquiry.
