Insurance for Gardeners
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Public Liability and Portable Equipment cover for tools
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Public Liability and Portable Equipment cover for tools
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Public Liability and Portable Equipment cover
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What is gardeners’ insurance?
Gardeners’ insurance (the various types of cover made for gardening contractors) helps your business manage the cost of common risks, such as injuries, damaged tools, and accidental property damage.
Growing a successful gardening business takes more than a green thumb. Managing risks is also essential. Lifting injuries, property damage, broken garden tools, and other unexpected events can be expensive and potentially damaging to your business.
If paying unplanned bills out of pocket would cut into your savings, then you may want to consider business insurance.
Why do gardening businesses need insurance?
Gardening businesses may need insurance to protect from unexpected legal costs resulting from a claim.
Work as a contractor or subcontractor
Replace lost or damaged tools
Replace lost income while recovering from an injury
Pay compensation claims or legal fees
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Types of gardening businesses we cover
BizCover provides insurance for many types of gardening professionals, including:
Indoor Plant Maintenance
Greenkeeping Services
Sprinkler Installation
Drainage System Installation
Arborists
Flower Growers
What types of insurance do gardeners need?
We offer a range of policies designed to cover your business, and tools. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for gardeners:
Gardening businesses could also consider:
How much does insurance cost for gardening professionals?
The average price of an insurance policy for gardeners is $60 per month with BizCover.
However, the cost of your policies will depend on different factors, such as the services you provide, and the value of your equipment.
How is the cost of insurance calculated?
Risks of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
*Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory Profession Requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
Factors influencing cost
Risk of the industry
Cover level amount
Annual turnover
Number of employees
Claims history
Customer Average Monthly Payment Report is based on 1 July 2023 to 30 June 2024 and presented as a guide only. It may not reflect pricing for your particular business, as individual criteria will apply.
Get cover that works with the risks of your business
Select different cover amounts for each policy listed below.
This is the most you will be paid out if you need to make a claim.
Unsure how much to choose? Think about:
Statutory professional requirements
Cover required by contracts
Number of employees being covered
Your contract value
Worst case scenario claim size
Underinsurance
We know it’s tempting to select a lower level of cover to reduce premiums, but this can leave businesses shocked and insufficiently covered when making a claim.
Ways underinsurance catches business owners out:
Inflation
With inflation, the cost of living and doing business increases. Remember to cover you, your tools and assets for the rising costs of replacing or covering them, not what you paid for them – you may be surprised at the difference.
Not covering the full cost of your risks
If you select cover levels for less than the value you may be found liable – left out of pocket when it comes to claims time. It’s important to review your risks and determine how much you will need to cover any claim that may come your way.
How it works – buying online
5 easy steps to get instant cover online today
Select Profession
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5 Steps to get your biz insured:
- Enter Occupation
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- Choose Cover(s)
Select the cover you need
- Business Details
Tell us about your business
- Compare Quotes
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- Get Cover Today
Instant policy docs to your inbox.
How to make a claim online
We’ll assist you through the claims process & manage the claim directly with the insurer.
Let us know Fill out our
claims form and provide info
to support the claim
Receive extra support We
will assist you with your claim
Claim results We will notify
you of the claim outcome.
3 Steps to get your biz insured:
- Let us know
Fill out our claims form and provide info to support the claim.
- Receive Extra Support
We’ll assist you with your claim.
- Claims Results
We’ll notify you of the claim outcome.
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See how much others have saved while purchasing policy through BizCover
Colette
Disability Care Worker from
NSW
Saved
$1,200
on
Public Liability and Professional Indemnity insurance
Andrea
Beautician from
VIC
Saved
$1,500
on
Business insurance Pack and,
Public Liability and Professional Indemnity insurance
Deborah
Cleaner from
VIC
Saved
$3,600
on
Public Liability insurance
Lance
Electrician from
ACT
Saved
$800
on
Public Liability insurance
Stephen
IT Professional from
VIC
Saved
$1,500
on
Information Technology Liability insurance
Linda
Restaurant owner from
NSW
Saved
$1,000
on
Business Insurance Pack and
Public Liability insurance
^ Savings made from January 2024 to April 2025. This information is provided as a guide only and may not reflect pricing for your particular business, as individual underwriting criteria will apply.
Frequently Asked Questions
Public Liability is perhaps the most common policy that gardening professionals buy. A policy is often required to enter work sites or a client’s property. It may also be necessary to lease commercial warehouse or storage space for your equipment and supplies.
Public Liability insurance covers legal fees and compensation costs if a customer, member of the public, or a supplier claims against you for injury or damage to their property as a result of your alleged negligent business activity.
Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business.
Portable Equipment is an optional cover available through most Business Insurance Packs*. You can bundle cover for your tools with Public Liability insurance, Business Interruption*, and other protections for your business property and assets.
Injuries are common when you perform physical labour, but a serious one could leave you unable to work for days, weeks, or even longer. Personal Accident and Illness insurance provides a weekly income benefit following an accidental injury or illness once signed off from work by a medical practitioner for a set amount of time. A policy can also provide benefits if you become permanently disabled or pass away due to injury.
If you are a sole trader or independent gardening contractor, workers’ compensation may not cover you. A Personal Accident and Illness policy helps you continue to pay the bills while you’re unable to work.
Hear from our customers
Real-life customer reviews verified by Feefo
Quick and easy, Took the hassle out of shopping around and comparing
A Tempany
Easy to use and beat my current insurance quote by a long shot- happy.
Thomas T
Thank you for the quick and very helpful phone call, big thumbs up to the wonderful gentlemen that took my call.
Precilla T
Awesome and saved me $100 a month
Chrisptopher B
Great service, every single question of mine was answered to 100% satisfaction, keep it up mate.
Satpal S
Easy to use and beat my current insurances quote by a long shot- happy.
Andrew G
Quick and easy. Took the hassle out of shopping around and comparing.
Adam T
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Real-life customer reviews verified by Feefo