Landscapers you bring the science and the art of trades together. Without you guys every front yard in every street in Australia on average might look ugly. You are doing a fabulous job in keeping Australia beautiful. But hey, all this work brings along some risks with it. Landscaping Insurance is important because there is risk of injury to others that your business may cause or damage to others property.
Clever Landscapers manage their risks well but when bad luck strikes, there comes your Landscaping Insurance program to save you.
What is Landscaping Insurance?
People often call it Landscaping Insurance but it’s a general term for insurance for Landscaping business. The type of work you do, and the size of your business will usually dictate the complexity of your insurance program but cornerstone insurance that you will need is Landscaping Business insurance in the form of Public Liability Insurance. Customers would usually ask for a certificate that shows you have a current Landscape Business Insurance policy.
Public Liability Insurance
Public liability Insurance the cornerstone insurance for your business protects your business against financial loss due to an incident occurring as a result of your business activities that leads to someone’s death or injury or damage to their property, like if you built a retaining wall which resulted in rainwater flowing towards the customers home causing damage, a situation like this would be covered by your public liability policy.
So Landscaping Public Liability Insurance is the cornerstone of a Landscaping Business Insurance program. Talk to Us to discuss or get a quote
Ever wondered what is the total value of the tools you may have? Have you recently bought a Makita kit that is worth $1400? Can some of the items be stolen easily given there is a big market for stolen tools?
Clever landscapers look after their tools but when bad luck strikes, there is tools insurance. You should definitely consider Tools Insurance as part of your Landscaping Business Insurance Program. It doesn’t cost that much and covers your tools for accidental loss or theft. Talk to us to learn more or get a quote
Commercial Vehicle Insurance
Your business use vehicles need to be insured under a commercial vehicle insurance policy. Is it one Van perhaps with your business signage worth $2000 on the vehicle. If you are a big Landscaping contracting company you may have a fleet of vans raring to go every morning at 6:30 for all the bookings you have been taking. The vehicles insurance needs will depend on the size of your business which can be insured under commercial vehicle insurance. Talk to us to get a quote.
Personal sickness and health insurance
A Landscaper knows best what personal injury risks there are in your trade. One minute you are using the circular saw, the next minute the nail gun and the hammer. You never know when an accident happens. If you did get hurt, would you benefit from Personal Injury Insurance that continued to pay you a monthlywage or a lumpsum?
Speak to us if you have questions about how injury insurance may benefit you along with the Public Liability Insurance. Talk to us to get a quote
What other insurances can form part of “Landscaping Insurance” program?
If you are just starting out, the cornerstone insurance is the Public Liability Insurance. You will need to add the Commercial Vehicle Insurance to it and a whole heap of other insurances to complete your Landscaping Business insurance program.
There are a range of other insurances that are very useful for your business, see list below:
- Property Insurance
- Business Interruption
- Management Liability
- Tax Probe
We would be absolutely delighted to help you out whether you need insurance coverage or just have a burning question that you’d like to answer.