Insurance for Landscapers

Insurance for Landscapers protects your business from costly accidents, claims, and theft. Whether you’re creating outdoor spaces, laying turf, building retaining walls, or installing irrigation, insurance helps protect your income, tools, and legal liability.

Do Landscapers Need Insurance?

Absolutely. Handyman jobs may seem low-risk, but they often

Yes. Landscaping is physically demanding and often takes place in environments with unpredictable risks — like machinery use, slopes, and public areas. As a landscaper, your work often involves using machinery, handling sharp tools, and operating in public or client spaces. Since one mishap can result in thousands in liability claims or replacement costs, insurance protects you from financial loss and liability. Whether you’re self-employed or manage a small landscaping team, you’ll often be working on-site, around clients or in public spaces. We help Landscapers to obtain quick, affordable insurance quotes for public liability, tools and more.

Compare Landscaper Insurance Quotes

We compare quotes from leading Australian insurers that specialise in trade and construction occupations. Get competitive pricing, flexible options, and fast approvals — tailored to your landscaping business.

Landscaping Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople and understand the specific risks faced by businesses and workers in the landscaping industry. To help businesses and sole traders find suitable cover, we compare landscaper insurance policies from trusted insurers, such as CGU, QBE, Vero, Allianz, Zurich and more, to provide options specific to your landscaping services — soft landscaping, hardscaping, garden maintenance, and more.

What Insurance Does a Landscaper Need?

Public liability insurance, which covers your business for property damage or personal injury that a third party suffers as a result of your work activities, is essential. The other types of insurance you need depends on factors specific to your business activities and equipment. Here are the most common types of insurance for landscapers in Australia:

Public Liability

Public Liability Insurance for landscapers protects you if your work causes injury or property damage. For example, if a client trips over equipment or a retaining wall collapses and damages a fence, Public Liability Insurance covers repair and legal costs.

General Property (Tools Insurance)

Covers theft or damage to items like lawnmowers, whipper snippers, trailers, or hand tools — even when stored in a ute or on-site.

Personal Accident

Pays weekly income if you’re injured or become ill and can’t work. Vital for sole traders or subcontractors with no sick leave.

Commercial Motor Insurance

Protects your ute, trailer or van — including coverage for tools inside the vehicle or accidents on the road.

How Much Does Landscaping Insurance Cost?

The cost of landscaping insurance depends on factors such as the work you do, your location, your tools and the amount of cover required. Most landscaping businesses and sole traders find they can get the cover they need with annual and payment options available, depending on the insurer.

Get Landscaper Insurance Quotes

Fill out the form to get your tailored Landscaping Insurance quote — including optional tool cover, personal injury insurance, and motor vehicle protection.

Request a Quote for Your Insurance Needs

What does your Insurance enquiry relate to?

Before we get started, what type of service are you looking for?

A full review by an Insurance Broker
Full Review to assess what insurances are required by a Insurance Broker

I know what I need - no advice or review required
No review or advice - quotes for insurance covers and limits you request. Depending on your enquiry, we may require additional information to provide a quote.

Select your preferred level of service below:

What is the primary type of Business, Trade, or Service that you provide?

Referrer Name

Brand

Lead Source

Lead Type

Referrer Type

Office

Type

Business Details

What is your Business Name?

ABN (Optional)

Type of Business, Trade, or Service that you provide?

Do you have a building license?

What is your estimated Annual Turnover for this year?

No. of Employees including yourself

Does your business employ Contractors and/or Sub-Contractors or Labour Hire personnel?

Approximate $ paid to Sub Contractors/Contractors:

Do you ensure that Contractors, Subcontractors and/or Labour Hire personnel have their own liability, and keep record of where applicable, where necessary?

Tell us about the types of services and work you do for clients:

Business Activities

Do you do any work or provide services to customers in the following industries?

Manufacturing
Civil Works
Aviation
Marine

Mining
Oil and Gas
Public Utilities

Types of Services/Work Completed

Do you perform external work over 10M in height?

Does your work involve welding?

Do you perform underground work over 3M in depth?

Select Required Insurance Covers

If you are unsure or would like more information on any of the cover types, select 'Yes'.

Insurance Basics
Insurance types that are essential for most business and industry types.

	Yes
Liability
General Property (Tools)
Personal Accident
Commercial Motor
Contractual Liability
Workers Compensation
Other

Business Insurance Types Generally Required
Covers that are commonly required for most Businesses.

	Yes
Contract Works
Burglary
Business Interruption
Corporate Travel
Cyber
Flood
Fire & Perils
Glass
Money
Management Liability
Professional Indemnity
Trade Credit
Transit

Insurance That Applies to Some Businesses
Covers that are relevant for some businesses. generally taken by others in your industry to protect the essential risks of doing business.

Insurance That Applies to a Few Businesses

	Yes	No
Aviation
Environmental Liability
Cancellation & Abandonment
Marine Hull and P&I
Shiprepairers Liability
Investment Properties
Political Risk
Voluntary Workers

Businesses Relating to Customers Goods & Vehicles

Farm Insurance Cover Options

	Yes
Crop
Drones Insurance
Home Buildings
Harvested Crops
Gates & Fences
Livestock
Working Dogs
Farm Property
Farm Motor Vehicles
Farm Interruption
Machinery Farm Interruption
Motor Farm Interruption
Theft of Farm Property
Theft Farm Machinery
Other

	Yes
Home Insurance
Car Insurance
Landlord Insurance
Boat
Other

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

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InsightID

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tfa_general_property annual

Customise Your Liability Insurance

Preferred limit of Liability

$5M Limit$10M Limit$20M LimitNot sure / Other

Customise Your Personal Accident Insurance

Select your level of Personal Accident cover

$1000 per week Personal Accident$1500 per week Personal AccidentOther

Do you want to be covered for Accident Only OR Sickness too?

What is your Date of Birth?

Do you have any pre-existing medical conditions?

Please provide details

Customise Your General Property (Tools) Insurance

Level of General Property Cover Required

$5000 Tools Cover$7500 Tools CoverOther

Do you have any one Tool that is worth more more than $3000 in value?

Tools Over $3,000 In Value

Please specify items and values for each where value is more than $3000

Would you like us to suggest additional insurance types relevant to your Business?

price10m

price20m

price5m_monthly

price10m_monthly

price20m_monthly

Total

Selected Cover Option

Trigger Instant Quote

Quote success

Cover selected

insurance_personal_accident_annual

InsightID

insurance_personal_accident_monthly

Session ID

General Property

$5000 Tools Cover$7500 Tools CoverNot RequiredQuote Requested

price5m

Session ID

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.

Have you ever had an insurance policy cancelled, declined, or had special terms imposed?
Have you ever been declared bankrupt?
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)?
Have you ever been convicted of any criminal offence (other than minor traffic convictions)?
Have you ever been liable for any civil offence or pecuniary penalty (exceeding $5,000)?

Do any of the above apply to you?

Please Provide Additional Details

Claims History

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

Is the answer YES to any of the above?

Please Provide Additional Details

Your Contact Details

First Name

Last Name

Mobile Phone Number

Your Existing Policy Details

To assist us in forwarding your enquiry to your current Insurance Broker, please provide details relating to your existing policies below.

Name of your Insurance Broker or Brokerage

If you are unable to provide the above, please provide details that may assist us in identifying your broker:
- Policy Number/s
- Insured's Name, Email or Phone Number listed on the policy
- Address listed on the policy

Details of you Enquiry

Address Details

Providing your address will allow us to allocate your enquiry to the appropriate team.

Street Address

City

Postal Code

State

Country

Tell us About Your Farm

What is the size of your property?

Please provide additional details about your Farm operations

Upload a copy of your current Insurance Policy Schedule

Save time and upload your current business insurance policy schedule.

Please provide additional details on how we can assist you:

Anything else you would like us to know?

Thank you for choosing Ausure.
Your enquiry has been received and is now with our specialist team.
We’ll be in touch shortly to discuss your insurance requirements and guide you through the next steps.

Expert Knowledge

A professional broker ensures you have coverage for your unique needs, giving you peace of mind with a tailored insurance program.

Save Time and Money

An insurance broker saves you time and money by understanding your business and securing quotes from leading insurers on your behalf.

We Are On Your Side

Your Ausure broker ensures you have suitable insurance and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Landscapers Need?

Most landscapers choose $10 million in Public Liability Insurance, though options range from $5M to $20M depending on project size and clients.

Consider:

- Are you doing public or council work?
- Do you subcontract or supervise others?
- Are you working on commercial or government projects?

FAQs About Landscaping Insurance

Can I cover my ride-on mower and trailer?

Yes — we can include powered equipment, trailers, and attachments in your policy.

Is excavation or paving work covered?

Yes — just let us know during the quote and we’ll match the policy to include those services.

Do I need separate insurance for chemicals or pesticides?

Not usually — but if you use hazardous products, we’ll ensure your policy allows for it.

Is Public Liability mandatory for council contracts?

Most councils and commercial clients require proof of insurance before you can work on site.

What are some examples of public liability claims?

Examples of real public liability claims include:

Retaining Wall Collapse: A landscaper built a retaining wall that collapsed due to incorrect installation, damaging a neighbour’s car and garden. The total claim was $12,500.
Injury to Client’s Dog: A client’s dog ran across a freshly treated area and was exposed to a chemical product. The vet bill and legal fees were covered by a $9,000 liability payout.
Lawnmower Thrown Object: A mower flicked a stone that shattered a client’s glass sliding door. The insurer paid $3,800 in repairs.

Landscaping Insurance Australia-Wide

Ausure helps landscapers throughout Australia find insurance policies for your business. Whether you’re located in ACT (Australian Capital Territory), NSW (New South Wales), QLD (Queensland), SA (South Australia), VIC (Victoria), or WA (Western Australia), we can connect you with suitable landscaping insurance through our key insurance partners.

What Makes Ausure the Right Choice for Your Landscaping Insurance?

Fast access to quotes from top insurers
Insurance tailored to soft/hard landscaping work
Cover for tools, trailers, and vehicles
Full claims management from start to finish
Easy monthly or annual payment options

Our Story

Ausure began back in 1996, with founding offices in NSW, Victoria and the ACT. Since then, the business has grown to become one of Australia’s largest and most widely respected financial services companies.

	Yes	No
Audit & Investigation
Employee Dishonesty
Electronic Equipment
Machinery Breakdown
Machinery Business Interruption
Motor Business Interruption
Product Recall

	Yes	No	Not Sure
Customers Vehicles at Business
Customers Vehicles on Road
Driving Risk
Faulty Workmanship
Liability for Customers Vehicles

Landscaping Insurance

Find landscaping insurance cover at an affordable price for your business.