Insurance for landscapers
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Public Liability and Portable Equipment cover for tools
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What is landscaper insurance?
Landscaper insurance (the different types of business insurance available to someone with a landscaping business) helps you manage the costs of various risks, ensuring your business can continue smoothly despite unforeseen events.
Whether you’re building retaining walls or putting in new plants, landscaping is a profession that comes with a number of risks. Scenarios like having your tools stolen, or accidentally causing damage to a client’s property are great examples of the risks that landscapers are exposed to.
Why do landscapers need insurance?
Landscapers may need business insurance to meet contractual requirements.
Meet client requirements.
Work as a contractor or sub-contractor.
Take time off during an illness or injury.
Pay legal costs if you face a liability claim.
Let’s cover your small business on the go
Start a quote to see how much you can save and buy online in minutes.
Who needs landscaper insurance?
Business insurance is essential for many types of landscaping businesses, like:
Landscape construction
Landscape gardening
Landscape architecture
What types of insurance do landscapers need?
We offer a range of policies designed to cover your business, tools and services. Build an insurance package that suits your needs and buy in minutes.
Popular cover types for landscapers:
Landscapers could also consider:
How much does landscaper business insurance cost?
The average monthly cost of business insurance for landscapers is $81 with BizCover. However, the cost of your policies will depend on different factors, such as the services you provide and the size of your business.
Factors influencing cost
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.
The prices are real, get that new policy feel
Factors influencing cost
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 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
Compare prices & select quotes
- 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
Each landscaping business is different, with unique insurance needs. That said, here are a couple of business insurance policies commonly purchased by landscapers:
- Public Liability insurance, which protects you and your business in the event a customer, supplier or a member of the public is injured or sustains property damage as a result of your negligent activities. If you’re a contractor, you may want to consider your contractual obligations before you set boots on the job. That’s because you may be required to carry a minimum level of Public Liability insurance.
- Business Insurance. Business Insurance is a package designed to provide cover for your business contents, stock, tools and commercial premises when an insured event occurs (such as fire, storm, theft or even accidental damage).
- Portable Equipment cover, which can be included in your Business Insurance package. This policy can cover you for loss and damage to items of portable equipment associated with your business. This can include tools of trade and items of stock.
- Personal Accident and Illness insurance can provide levels of cover for loss of income if you are unable to work, suffer permanent disablement and even death as a result of an unexpected injury or illness (even if it occurs outside of your employment).
Hear from our customers
Real-life customer reviews verified by Feefo
Awesome and saved me $100 a month
Chrisptopher B
Every staff member I spoke to was than happy to help me through all of my questions. Great service! Won me over from a competing company.
James O
Quick and easy. Took the hassle out of shopping around and comparing.
Adam T
So easy to renew – takes the hassle out of organising insurance.
Sarel D
Easy to use and beat my current insurances quote by a long shot- happy.
Thomas T
Real-life customer reviews verified by Feefo