Insurance for Lawn Mowing Services
Public Liability and Tool cover
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Public Liability and Tool cover
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What is lawn mowing services insurance?
Lawn mowing services insurance (the many types of business insurance designed for lawn care businesses) helps protect against the cost of common risks, like accidental property damage, broken equipment, and injuries.
With your lawn mowing magic, you never leave a blade out of place. But even the best lawn mowing business may still face its fair share of risks.
That’s why many lawn mowing professionals consider business insurance to help them handle unplanned, and potentially expensive, risks to their businesses.
Why do lawn mowing services need insurance?
Lawn mowing services may need business insurance to meet contractual requirements and pay unexpected bills.
Work with specific clients.
Repair or replace damaged equipment.
Work as a contractor or sub-contractor.
Lease storage space.
Pay legal costs if you face a liability claim.
What types of insurance do lawn mowing services need
Popular cover for lawn mowing services:
Lawn Mowing Services may also consider:
Let’s cover your small business on the go
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How much does lawn mowing services insurance cost?
The average cost of insurance for lawn mowing services businesses is $48 per month* with BizCover. However, the amount you pay will depend on several factors, such as the services you provide, the equipment you are covering, 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.
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
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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
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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 essential for self-employed lawn mowers. You spend the majority of your day out and about working at your client’s property providing maintenance and care for their lawns. While you may take precautions and care when getting the job done, accidents can still happen, even on the smallest jobs.
Public Liability insurance helps protect your business against legal fees and compensation costs if a customer, member of the public, or a supplier sues you for injury or damage to their property as a result of your alleged negligent business activity.
Yes. Portable Equipment or general property insurance can cover specified items such as tools, business equipment or electronic items. You can choose between comprehensive cover which will include accidental damage cover or insured events cover (for events such as fire, theft by forcible entry, explosion or storm).
Portable Equipment insurance is an optional cover available in a Business Insurance Package.
Yes. Accidents can happen on even the most professional and organised working conditions. Should the unexpected happen, Personal Accident & Illness insurance can cover your income* if you’re unable to work due to illness or injury.
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Quick and easy, Took the hassle out of shopping around and comparing
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Easy to use and beat my current insurance quote by a long shot- happy.
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Thank you for the quick and very helpful phone call, big thumbs up to the wonderful gentlemen that took my call.
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So easy to renew – takes the hassle out of organising insurance.
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