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 elseâs 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 childâs medical bills.
Public liability insurance in Australia typically provides self-employed gardeners cover for:
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.
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