Landscaping Insurance is a general term to describe a range of insurances that a Landscaping Business might need, for example:
- Public Liability Insurance for Landscape Gardeners
- Plant & Equipment Insurance (Excavators, Bobcats etc.)
- Professional Indemnity Insurance
- Commercial Motor-vehicles (Trucks, Utes)
- Tools & Property Insurance
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Landscaping Insurance Cost
Landscaping Insurance Cost starts close to about $425 for a small business.
| State | Good | Average | RipOff |
| WA | 418 | 521 | 860 |
| QLD | 422 | 546 | 853 |
| SA | 422 | 523 | 868 |
| VIC | 450 | 574 | 860 |
| NSW | 468 | 596 | 937 |
Small business with a turnover of about $100,000 for the year and opting for $5 Million limit on the public liability insurance for landscape gardeners.
Best Landscaping Insurance
The Best Landscaping Insurance is the one that is right for your business and not the cheapest.
A cheap policy may have unnecessary exclusions which restrict the cover in relation to your activities which we list below and explain.
Landscaping Business Insurance
Common Restrictions on Landscaping Public Liability Insurance Policies
On the surface, it might appear that all insurance policies are similar but in reality they are not.
The insurers vary the cover by putting conditions, for example:
Tree Lopping Condition
Some insurers have a standard tree height restriction of 3 to 3.5 meters and others have up to 5 meters. see below:
Beyond that height, you have to go to specialist insurers that are happy to extend coverage for lopping big trees. That insurance cost significantly more than a standard policy.
Dial Before You Dig Condition
This is almost a standard condition on all landscaping insurance policies. You gotta dial before you dig and keep records. It’s quite an important one too given landscaping often involves excavation and you don’t want to damage an critical infrastructure which can be an expensive mistake. It’s commonly known as “Underground Services” condition.
Silica Exclusion
Silica dust inhalation injuries can have very serious long term consequences. As a result, more and more insurers are making their policy conditions restrictive regarding Silica inhalation injuries. It’s pretty important to check your policy in this regard.
Sub-contractors Extension
Most insurers will not cover you for liability claims that arise as a result of mistakes made by your sub-contractors that have not been declared to your insurer.
If your business utilises the services of sub-contractors regularly, you have no choice but to declare it to be compliant and as a result it increases the cost of insurance.
This is a good example where a policy may appear to be cheapest when you start looking but as soon as you add bits and pieces to it, it becomes expensive.
There are other insurers however who would provide this benefit for no additional cost and its worth considering those. See below example from an insurer who provides this benefit in case liability arose from work done for you.
