Public Liability Insurance for Gardeners / Landscapers

Whether you are designing sprawling commercial landscapes, building retaining walls, or maintaining residential gardens, your work carries inherent risks. A stray rock from a whipper-snipper, damage to underground utilities, or a client tripping over tools can result in costly legal claims.

Liability Brokers provides tailored Public Liability Insurance for gardeners and landscapers, ensuring you have the protection needed to keep your business growing securely.

 

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Why Do Gardeners & Landscapers Need Public Liability Insurance?

Public Liability insurance is the foundation of any landscaping business, protecting you against third-party claims for property damage or bodily injury caused by your work.

Common scenarios we cover:

  • Property Damage: Trimming a hedge and a branch falls, breaking a client's window.
  • Third-Party Injury: A customer trips over a hose or electrical cord left on a walkway.
  • Underground Services: Accidentally cutting a cable or puncturing an irrigation system while digging.
  • Machinery Mishaps: A stone thrown by a lawnmower damaging a neighboring car.

 

What Does Our Gardening/Landscaping Liability Insurance Cover?

We offer flexible, comprehensive coverage options tailored to the horticulture industry:

  • Independent Contractors & Sole Traders: Tailored policies for small businesses.
  • Commercial & Residential Coverage: Protection for jobs in private homes, council parks, or commercial sites.
  • High Limits Available: Choose between $5m, $10m, or $20 million in coverage.
  • Underground Services Extension: Coverage for accidents during excavation.
  • Tree Trimming: Coverage for branch trimming (typically up to 3m).

 

Frequently Asked Questions

Does Public Liability cover my tools?

Public Liability only covers damage to third parties. To protect your own tools, mowers, and machinery from theft or damage, you should add Tools & Equipment Insurance.

Do I need a certificate of currency?

Yes, many clients, builders, and local councils require proof of insurance before you can start work. We provide this quickly upon purchase.

Does this cover subcontracting?

Yes, we offer optional extensions for subcontractors or labour-hire teams.

 

Get a Public Liability Quote Today

 

 

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