Public liability insurance quotes for gardeners. Compare costs and suitable cover for landscape gardeners, self-employed gardeners, gardening equipment and gardening sub-contractors with help from our liability brokers.*
In Australia, all self-employed gardeners need public liability insurance.
As a gardener you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence.
If an accident happens as a result of your gardening business activity you are responsible. Public liability insurance is needed to help cover damages and legal fees.
For example, if as result of your gardening activities someone is harmed public liability may help cover their medical expenses and pay for your legal bills.
Public liability insurance for the self-employed gardeners protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you are gardening for a client at their home and their child trips over your ladder or garden hose and hurts themselves public liability may help pay your legal bills and the child’s medical bills.
Public liability insurance in Australia typically provides self-employed gardeners cover for:
For self-employed gardeners, personal safety is closely tied to their ability to earn an income.
Personal accident insurance may provide income protection for a period of 52 or 104 weeks, offering up to 85%* of the insured weekly income following an injury. The specific level of cover depends on the terms selected when the policy is arranged.
An accident resulting in time off work can directly affect the income of self-employed gardeners. Extended recovery periods may also impact savings, family responsibilities, and overall lifestyle.
Accident insurance may assist by covering essential expenses and helping self-employed gardeners manage financial commitments if they experience an accident.
*What types of incidents are commonly covered under gardeners’ public liability insurance?
Public liability insurance may cover third-party injuries, property damage, and issues caused by your gardening equipment, such as a client tripping over a garden hose or damage to a neighbour’s property. It may also provide cover if a client or passer-by is injured because of your gardening activities; for example, flying objects like rocks can cause injuries to others.
*Does public liability insurance cover subcontractors in gardening businesses?
It is recommended that Subcontractors to gardening businesses have their own public liability insurance policy.
*How do I know how much public liability coverage my gardening business needs?
The amount of cover depends on your business size, risks, and client requirements. $10 million public liability cover is popular more many self-employed gardeners in Australia. $20 million public liability is often required for gardeners doing work for body corporates, councils, commercial property owners and builders. Consulting a broker may help tailor coverage to your needs.
*Are gardening tools and equipment covered under public liability insurance?
No, public liability insurance typically does not cover tools or equipment. For these, you may need separate equipment insurance, or you may be able to combine tools equipment as part of a business insurance pack.
*How quickly can I get public liability insurance for my gardening business?
You may be able to get public liability same day if you are a self-employed gardener with no claims and your gardening activities are low risk. If you have had claims, your gardening activities are higher risk, for example if you work at heights, it may take a day or two or longer for you to get public liability.
*Does public liability insurance cover damage to my gardening business property?
No, damage to your own property is usually not covered. A business property insurance policy may be required for this, or you may be able to combine business property as part of a business insurance pack.
*Can public liability insurance help with legal claims from clients?
Public liability insurance may help protect gardening business owners from legal liabilities that may arise from accidents or injuries that occur because of their gardening business activities.
Public liability insurance cost for gardeners snapshot:
Self-employed gardeners, starts from around $560* or $50 per month.
$5 million Public Liability Insurance cost for some gardeners with no previous claims starts from around $560* or $50 per month.
*Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and gardening business activities.
List of states and territories in Australia we can help gardeners find the insurance cover they need:
