Landscaping Insurance

Landscaping Insurance is a general term to describe a range of insurances that a Landscaping Business might need, for example:

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Landscaping Insurance Cost

Landscaping Insurance Cost starts close to about $425 for a small business.

StateGoodAverageRipOff
WA418521860
QLD422546853
SA422523868
VIC450574860
NSW468596937

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.

landscaping insurance

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.

Insurance for Landscaping Business

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