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Landscapers & Gardeners Insurance

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Insurance for Landscapers & Gardeners

If you’re a landscaper, gardener, or groundskeeper, having public liability insurance is essential for protecting your business. Whether you’re maintaining gardens, designing outdoor spaces, or installing landscape features, accidents can happen.

Public liability insurance covers you if your work causes damage to a client’s property or results in injury to a third party. Even with careful planning, mishaps like damaging irrigation systems or injuring someone with power tools can occur. When searching for coverage, you may look for terms like landscaper public liability insurance, gardener tradie insurance, or groundskeeper liability cover to ensure you’re fully protected.

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Duty of Disclosure

Please Review Carefully

Before proceeding, ensure you disclose all relevant information. Non‑disclosure may lead to denial or reduction of claims, cancellation of your policy, or voiding of the contract (in cases of fraud). If anything below triggers a “Yes”, be prepared to provide details when requested.

  1. Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
  2. Have you ever been declared bankrupt?
  3. Have you ever been involved in a company or business that became insolvent or was subject to insolvency or voluntary administration (e.g. liquidation or receivership)?
  4. Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
  5. Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

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  1. Have you ever had a claim declined or refused due to fraud, suspected fraud or suspicious circumstances?
  2. Have you had any Business or Personal Insurance claims in the last 5 years?
  3. Within the last 5 years, have you ever been charged or convicted of a criminal offence?

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What does Liability Insurance Cost for a Gardener or Landscaper?

The cost of liability insurance for landscaper or gardeners in Australia varies based on a number of things including the size of your business, the types of jobs you take on, and the amount of coverage you need – $5M, $10M, $20M or $50M.

$10m of Liability insurance for a Landscaper can start from around $77 per month (for 8 installments) or $537 per year.

The above is an indicative quote only, based on a QLD Landscaper with 100k turnover per year, no employees or subbies and $10m of liability. When considering what level of liability insurance to take, it’s important to consider your business. 

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How Much Liability Insurance do Landscapers or Gardeners Need?

The amount of public liability insurance you need as a landscaper or gardener depends on the size and scope of your projects. Most professionals in this field choose at least $5 million in coverage, though higher limits such as $10 million or $20 million may be necessary for larger or commercial jobs. If you’re working on high-value properties or public spaces, having sufficient landscaping liability insurance is essential to cover any major claims. Adequate public liability insurance for gardeners and landscapers gives you peace of mind, ensuring you’re protected against potentially costly lawsuits.

We do not generally recommend $5m of Liability Insurance as this provides minimum cover in the event of a claim. The usual amount most Tradies take is $10m. 

Larger contracts or commercial work may require higher landscaper insurance coverage. It’s important to assess your work scope, the types of clients you serve, and the risks you encounter to choose the right coverage.

The types of things to consider when deciding on $5m, $10m, $20m or $50m of Liability Insurance include:

  • Whether you work only on domestic projects (residential homes) or on commercial projects (including retail & hospitality)
  • The types of premises where you complete work – stand alone residential homes carry less risk than working in unit blocks/apartments or premises that have adjoining buildings.
  • Whether you work on commercial or government projects – these will require a higher level of cover and often form part of the contract requirements.


What makes Ausure the right choice for your Landscaping or Gardening Business Insurance needs?

Our partnerships with Zurich, Chubb, CGU, QBE and other leading insurers mean competitive pricing and strong relationships to help us negotiate and achieve better outcomes for clients. 

Competitive Quotes

In a recent market comparison, our quotes were sometimes up to 50% cheaper than others provided by competitors. Instant quotes aren’t always better quotes – it’s worth the wait while we do the hard work in getting you appropriate cover options with competitive pricing.

Insurance Made Easy

We help make insurance simple and easy to manage – we can help with all of your insurance needs, from Public Liability, General Property (Tools Cover) and Personal Accident, right through to Commercial Motor, Business Packages and Corporate Travel (and more!)

Dedicated Account Manager

Your insurance policy is managed by the same person for the life of the policy. Not only does that mean that you have a real person that you can call - it means one point of contact for all of your insurance needs and questions.

Fast Quote Turnaround

Depending on your business and insurance requirements, we can usually provide quotes the same day (Monday to Friday) – to get you covered and on site quickly. Choose from an annual or pay by the monthly policy depending on your cashflow.

Full Claims Management

We provide full claims management - from lodgment to follow ups and escalations if needed. We work for you, not the insurer - and fight to get you the deserved claims outcome. Save stress and frustration by not having to deal with the insurer directly - we take care of the entire claims process for you.

Quotes from Leading Insurers

We compare quotes and cover options from leading Tradie insurers in Australia. Save time and money by letting us do the shopping around and comparing for you - we will provide you with a list of quotes from insurers that we believe offer the most competitive premiums and appropriate cover for your needs.

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We compare policies from trusted insurers, to find you the right cover at an affordable price. Check out some of our trusted partners below.

We provide you with quotes from some of Australia’s leading insurers for Landscapers and Gardeners, so you can pick a cover and price that’s right for you. Depending on your business requirements, we will aim to provide 3 comparable quotes. The number of quotes offered may be less if insurers are unable to provide cover, we will provide a quote on the most appropriate quotation. 

VERO
NTI
Chubb

What insurance does a Landscaper or Gardener need?

Beyond public liability insurance, landscapers and gardeners should consider other important policies to fully protect their business. 

Personal Accident Insurance

Personal Accident Insurance provides financial support if you're injured while working and unable to continue your landscaping or gardening activities. Injuries can happen when using machinery or working outdoors, and this insurance ensures that you still have an income while recovering.
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Public Liability Insurance

Public Liability Insurance is essential for any landscaper or gardener. It covers you if your work causes damage to a client’s property or leads to injury to others. Whether you're installing landscape features or maintaining gardens, accidents like damaging a fence or injuring someone with power tools can happen.
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General Property (Tools Insurance)

General Property Insurance, often referred to as tools insurance for landscapers and gardeners, is vital to protect your tools and equipment from theft, damage, or loss. Whether you’re using lawnmowers, trimmers, or hedge cutters, this insurance covers the essential gear you rely on daily.
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Commercial Motor Insurance

If you rely on vehicles such as utes, trucks, or vans to transport tools and equipment, Commercial Motor Insurance is essential. It protects your work vehicles from theft, accidents, or damage, ensuring you’re not left without the means to get to your job sites.
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We make it easy to get insurance for Landscapers & Gardeners – Australia wide.

We are the trusted, Insurance for Landscapers and Gardeners Insurance experts in Australia.

Ausure we care Insurance Broker

The types of Business Insurance we can help with:

  • Public Liability Insurance
  • Workers’ Compensation Insurance
  • Builder’s Risk Insurance (Contract Works Insurance)
  • Professional Indemnity Insurance
  • Commercial Auto Insurance
  • Equipment and Tool Insurance
  • Inland Marine Insurance
  • Commercial Property Insurance
  • Product Liability Insurance
  • Management Liability Insurance
  • Business Interruption Insurance

Landscaper and Gardener Insurance in Queensland, Victoria, Western Australia, South Australia, Tasmania, New South Wales and the Northern Territory.

The types of Construction and Building businesses we can assist:

  • Home Builders
  • Renovation and Remodeling Contractors
  • Apartment and Multi-Unit Developers
  • Commercial Builders
  • Industrial Builders
  • Hospitality and Tourism Builders
  • Civil Engineering Contractors
  • Utility Contractors
  • Heavy Construction Contractors
  • Electrical Contractors
  • Plumbing and HVAC Contractors
  • Carpentry and Joinery Contractors
  • Roofing Contractors
  • Painting and Decorating Contractors
  • Concrete and Masonry Contractors
  • Landscaping and Site Preparation Contractors
  • Architectural Firms
  • Engineering Firms
  • Surveying Firms
  • Construction Project Management Firms
  • Construction Consulting Firms
  • Property Maintenance Services
  • Facility Management Services
  • Sustainable Builders
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