Insurance for Lawn Mowing and Garden Services

Lawnmowing Insurance and Garden Maintenance Insurance protects you from risks like damage to property, personal injury claims, and theft of equipment. Whether you’re mowing lawns, trimming hedges, or maintaining strata gardens, insurance keeps your business safe.

Do Gardeners and Lawn Mowers Need Insurance?

Yes — even simple garden work carries real risks. Damage to irrigation, public paths, or neighbours’ property can leave you personally liable. As gardeners and mowing contractors work with power tools, sharp equipment, and often on client or public property, insurance protects your income and keeps your business going. From whipper snippers to ride-on mowers, a single mishap can lead to expensive claims. We make it easy to get Public Liability, Tool Insurance, Personal Accident and Vehicle Cover — tailored for your gardening business.

Compare Lawn Mowing And Gardening Insurance Quotes

We work with leading insurers to get you the best policy for your services — whether you’re a solo gardener, part of a mowing franchise, or run your own team.

Lawnmowing and Gardening Insurance Brokers

At Ausure, we specialise in arranging cover for tradespeople, labourers and sole traders, and understand the specific risks faced by businesses and workers in your industry. Our brokers insurance policies from our trusted insurance partners, including CGU, QBE, Alliancompare gardening z and more — offering policies built for garden maintenance, lawn care, and soft landscaping professionals.

What Insurance Does a Lawn Mowing or Garden Maintenance Business Need?

Along with 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, the type of insurance your gardening business needs is dependent on factors specific to your work activities and equipment. Here are the most common types of insurance for lawnmowing and garden maintenance businesses in Australia:

Public Liability

Covers you if your work causes property damage or someone gets injured. For example, a mower throws a stone that breaks a window.

General Property (Tools Insurance)

Protects items like mowers, blowers, whipper snippers, and trailers from theft or damage — even while in your vehicle or on a job site.

Personal Accident

If you’re injured (e.g. back strain, fall, tool accident) or become unwell, this pays a weekly income while you recover.

Commercial Motor Insurance

Covers your ute, van or trailer — including tools stored inside, crash damage, or theft.

How Much Does Lawnmowing Insurance Cost?

The cost of lawnmowing and garden maintenance insurance depends on factors such as your equipment and the amount of cover required. Most lawnmowing and garden maintenance businesses find they can get the cover they need with annual payment options generally available, depending on the insurer.

Get Lawn Mowing Insurance Quotes

Fill in your details below to get tailored insurance quotes for lawn care and gardening, including cover for liability, tools, vehicles and income 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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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?

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price5m_monthly

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Selected Cover Option

Trigger Instant Quote

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Cover selected

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General Property

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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.

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 the insurance your business 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 cover and handles the entire claims process, advocating for the outcome you deserve.

How Much Liability Insurance Do Gardeners Need?

Most choose $10 million Public Liability, though $5 million may be suitable for small domestic jobs. Commercial or council clients may require $20 million.

FAQs About Garden Maintenance Insurance

Are ride-on mowers covered?

Yes — they can be listed under General Property or Plant & Equipment Insurance.

What if I subcontract for a real estate or strata company?

Most clients will require proof of your own liability insurance.

Can I cover my trailer and tools together?

Yes — we can include trailers and attached toolboxes as part of your policy.

Do I need insurance if I only do weekend work?

Yes — even one incident can result in a costly claim. We offer policies that suit part-time operators too.

What are some examples of public liability claims?

Examples of real public liability claims include:

Ride-On Mower Incident: A stone flicked up by a ride-on mower broke a client’s sliding door. The claim totalled $3,200.
Injury in Client Garden: A client tripped over a leaf blower cord left unattended on a walkway. Public Liability Insurance paid $9,800 in medical costs.
Damaged Irrigation System: A contractor accidentally cut through underground irrigation piping. Claim: $4,500 in repairs.

Lawnmowing & Garden Maintenance Insurance Australia-Wide

Ausure helps lawnmowing and garden maintenance businesses across Australia find suitable insurance cover. 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 insurance cover through our key partners.

What Makes Ausure the Right Choice for Your Garden Maintenance Insurance?

Flexible cover for part-time or full-time contractors
Fast quotes for public liability, tools & more
Cover for trailers, ride-ons, and powered equipmen
Full claims support — we handle everything for you
Monthly payments available

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

Lawnmowing & Garden Maintenance Insurance

Find lawnmowing and gardening insurance at an affordable price for your business.