Insurance for Gardeners

Why do gardening businesses need insurance?

Growing a successful gardening business takes more than a green thumb. Managing risks is also essential. Thankfully, insurance for lawn care and garden professionals can help you weed out unplanned expenses that could wilt your small business dreams.

Gardening can be riskier than it seems at first glance. Working with hazardous materials (like pesticides and fertilisers) and lifting injuries could lay you up for days, or even weeks. But that’s not all—you may want to consider gardener insurance to help you handle property damage, broken garden tools, and other unexpected events.

Find insurance for garden contractors online and in minutes with BizCover. Switch and save today and get instant cover.

What types of insurance do gardeners need?

BizCover helps gardening contractors protect their small businesses with insurance for lawn care and gardening professionals. Depending on your business needs, you might consider policies such as:

Public Liability

Working on a client’s property can be unpredictable. A mislaid tool or wrong step could cause accidental damage to their belongings or injury to someone else. That’s why Public Liability insurance is considered a must-have by many gardeners.

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.

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.

Business Insurance

You rely on many garden tools and equipment to do your job well and safely. If they were damaged, lost or stolen, you may not be able to complete your correctly or on time.

Portable Equipment insurance (also known as General Property insurance) covers you for loss and damage to items of portable equipment associated with your business. These can include tools of trade and items of stock.

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.

Personal Accident and Illness Insurance

Injuries are common when you perform physical labour, but a serious one could leave you unable to work for days, weeks, or even longer. That’s why you may want to consider protecting one of the most important parts of your business—yourself!

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 you¹. A Personal Accident and Illness policy helps you continue to pay the bills while you’re unable to work.

How much does insurance cost for gardening professionals?

Every small business is different, and so is every gardener. What makes your gardening business unique may also affect the price you pay for gardener insurance.

Insurers consider many factors about you and your business to calculate the cost of your insurance. Factors include:

• Size of the business – High annual turnover or accepting large contacts means you may pay more for insurance than a gardening professional who earns less.
• Number of people covered – Sole traders often pay less for cover than small businesses with several employees.
• Services provided – The gardening activities you and your employees engage in may impact the cost of your insurance.
• History of claims – If you have several past insurance claims, you may pay more than a gardener who has never made a claim.
• Amount of cover you choose – Higher cover levels usually mean higher premiums.

Comparing policies from multiple insurers with BizCover can help you understand how much you may pay for gardener insurance.

How to get gardening business insurance

BizCover helps small businesses grow and blossom with fast, easy and affordable insurance for lawn care and garden professionals. Getting covered is as easy as 1, 2, 3:

1. Compare quotes from selected leading Australian insurers.
2. Choose cover that fits your business’ needs.
3. Buy online in minutes and get instant protection!

Get your free quotes today and save with BizCover.