Landscaping Insurance

If you’re working for yourself and not covered by Workers’ Compensation, getting injured or falling ill doesn’t just affect your health, but also puts your income on hold. Personal Accident and Illness insurance gives you a way to keep money coming in while you recover.

It’s a practical safety net for sole traders, working directors, and landscapers who rely on being on-site to keep the business running.

This cover can include:

• Weekly income payments while you’re temporarily off work
• Lump sum payouts for permanent injury or more serious outcomes
• Optional illness cover, not just accidents
• Add-ons for hospital stays, rehab, or medical bills
• Protection that applies at work, at home, or on the road

In landscaping, injuries from machinery, lifting, or outdoor conditions are common. This cover keeps your income steady while you recover and get back to work.

If you have anyone on wages, even a part-time gardener, admin or a casual crew member, you are legally required to hold Workers’ Compensation insurance for landscapers.

This cover applies to all staff, not just those who are directly on-site, and protects your business if a worker is injured on the job. It pays their wages, covers medical costs, and supports their return to work. But Workers’ Comp for a landscaping company only works when the setup is right. The wrong classification, missing directors, or under-reported wages can lead to denied claims and penalties at audit.

We make sure your policy reflects the way your business runs, not just what’s written on paper.

What we take care of:

• Setting the correct classification for landscaping, gardening, and structural works
• Declaring apprentices, casuals, subcontractors, and working directors where required
• Lodging accurate wage figures, including super and allowances
• Reviewing contracts and advising on Principal’s Indemnity and Waiver of Subrogation
• Recommending the right policy extensions for compliance and risk management
• Advising sole traders and directors on Personal Accident and Illness alternatives
• Aligning cover with WHS practices to reduce risk across machinery, lifting, and heat exposure
• Managing claims from start to finish, including paperwork and return-to-work plans
• Monitoring open claims to avoid long-term premium increases

In landscaping, common injuries like strains, machinery accidents, and falls can become expensive fast. One mishandled claim can impact your business for years.

If you’ve had claims in the past, we’ll:

• Review what’s driving your premiums
• Recommend steps to lower risk and improve outcomes
• Negotiate fairer rates based on your current performance, not old data

If your record is clean:

• We’ll push for sharper premiums and ensure your insurer recognises your actual risk level

Business Package insurance combines several key policies into one, giving landscape contractors a simple way to protect their equipment, premises, and operations in one place.

If you’re storing tools, machinery, or materials at a depot, yard, or home base, this is a smart way to structure your landscaping business insurance. We tailor the package to how you operate, so nothing important is missed, and you’re not paying for extras you don’t need. It’s a simple way to get landscape company insurance that fits your setup.

What can be included:

• Property damage cover for storage sheds, depots, or offices
• Theft and fire cover for landscaping tools, garden equipment, and stock
• Business interruption cover if work stops due to a covered event
• Optional cover for money handling or glass breakage (if relevant)
• Public and Products Liability (if not already covered elsewhere)
• Machinery Breakdown or Portable Property for essential equipment

Not every business needs the full list; we’ll help you choose the parts that apply and leave out what doesn’t. It’s the easiest way to get business insurance for a landscaping company that matches your setup.

If your landscaping business includes design input, quoting off plans, or providing advice as part of the project, you could be held liable if something goes wrong, even when you’re not the one doing the build.

Professional Indemnity insurance for landscapers protects your business if a client claims that your advice, documentation, or planning caused financial loss. This is especially important for landscape contractors working under design and construct contracts, managing council submissions, or advising on site plans, drainage, or retaining walls.

You don’t have to be a qualified designer to be exposed. If you’re preparing layouts, overseeing compliance, or offering advice that influences the finished result, landscape contractor insurance that includes this cover is a smart move.

This policy may apply if you:

• Work under D&C contracts and carry liability for design, even when subcontracted
• Provide planning input, specs, or layout advice as part of the job
• Submit plans to the council or are named on approvals
• Are required to hold PI insurance as part of the contract terms

What this protects:

• Claims from design errors, incorrect specs, or technical advice
• Financial loss suffered by your client due to your input
• Legal defence costs, expert reports, and settlements
• Liability for issues related to design or planning, even if subcontracted

This cover sits alongside your landscaping liability insurance, handling risks that Public Liability doesn’t address. We’ll help you decide if this is needed for your current projects and ensure your landscaping insurance is set up to match how you work.

If a landscaping job is damaged before handover, such as storm-damaged retaining walls, stolen paving stock, or site vandalism, Contract Works insurance helps you cover the cost to put things right.

This policy protects the work while it is still in progress, including materials, structural elements, and any tools or equipment kept on-site. It is a key part of landscaping business insurance for contractors working on structural or staged projects where the responsibility stays with you until completion.

You might need this cover if:

• You are building retaining walls, paving, decking, or structural features
• The contract makes you responsible for damage or defects before handover
• Materials or finishes are stored or installed on-site before completion
• You are delivering staged or design and construct projects
• Tools, machinery, or equipment are kept on-site overnight

This insurance can cover:

• Damage to incomplete works from storm, fire, theft, or on-site accidents
• Theft or vandalism of materials like stone, timber, turf, or irrigation systems
• Principal-supplied materials under your care
• Tools and plant used or stored on-site during construction
• Optional cover for hired-in plant or temporary structures

We make sure your landscape contractor insurance reflects what is happening on-site. That includes reviewing your contracts, confirming what you are responsible for, and setting up the right cover based on the value, scope, and duration of the job.

Landscaping work often depends on machines like skid steers, trenchers, mini-loaders, stump grinders, and tip trucks. These assets are expensive, high-risk, and not always covered under standard tool insurance. If your equipment is on-site, in transit, or hired out, your policy needs to reflect that.

Contractor Plant and Machinery insurance protects owned and hired gear from theft, fire, accidental damage, and breakdown. It’s an essential part of landscaping equipment insurance, especially for site prep, drainage, excavation, and large-scale softscaping.

This cover can be tailored to how you use your gear, not just where it’s stored.

What this insurance can include:

• Theft, fire, vandalism, and accidental damage on-site, in storage, or in transit
• Cover for registered machinery used on public roads
• Protection for attached tools like hydraulic augers, buckets, and mulchers
• Cover for hired-in plant, short-term or long-term
• Dry hire exposure if you supply machines without an operator
• Optional breakdown cover
• Public Liability extension for machinery use on active job sites

Why this matters for your business:

• Standard lawn care company insurance or lawn maintenance insurance usually excludes plant and machinery unless listed
• Damage or theft can stall a job, increase costs, or lead to missed deadlines
• If hired gear isn’t declared, you could be liable for repairs and hire fees

We can help you stay covered by:

• Review your gear list and make sure values and use are accurate
• Add protection for towed plant, mobile gear, and multi-site work
• Include hired-in or dry-hired machinery in your policy
• Handle equipment updates as your business grows
• Set up the right structure for your setup: annual, blanket, or itemised

Plant and machinery keep your projects moving. With the right landscape contractor insurance in place, you’re protected against damage, loss, and costly delays.

Trimming hedges, laying irrigation, or clearing a block with a mini-loader all rely on your gear. If it’s damaged or stolen mid-job, everything slows down.

Tools and Equipment insurance (also called General Property insurance) covers the cost to repair or replace your gear if it’s stolen, damaged on-site, or lost in transit. It’s essential coverage for landscape contractors, lawn maintenance professionals, and garden crews working across multiple sites or storing gear in vehicles, sheds, or trailers.

What this policy can include:

• Theft from locked utes, trailers, site boxes, or sheds
• Accidental damage while working or in transit between jobs
• Cover for power tools, hand tools, gardening kits, and accessories
• Protection for lawn care equipment like blowers, hedge trimmers, whipper snippers, and zero-turn mowers
• Flexible item limits to reflect the actual value of your tools
• Optional cover for trailer-mounted storage, shared equipment, or open-air setups

Most landscaping business insurance policies require tools to be itemised and stored securely. Claims can be declined due to incorrect storage, under-declared values, or missing documentation.

We’ll help you avoid common issues by:

• Setting realistic limits for your lawn care equipment insurance
• Helping you choose between blanket cover and scheduled items
• Confirming your storage setup meets policy requirements
• Keeping your policy up to date as your tools and equipment change

This is the gear that keeps your projects moving, no matter the size of your crew. We’ll make sure it’s covered the right way.

Work vehicles are a key part of most landscaping businesses. Running a single ute or managing a small fleet with trailers and tools on board? Commercial Motor insurance helps protect your vehicles on and off the road.

This cover can be tailored for lawn care companies, garden maintenance crews, or landscape contractors with vehicles moving between jobs every day. It simplifies your insurance and keeps your business moving if something goes wrong.

This cover typically includes:

• Cover for utes, vans, trailers, and commercial vehicles
• Protection against theft, accidental damage, and collisions
• Optional cover for windscreen replacement, hire vehicles, and tools in transit
• Fleet options for businesses with multiple vehicles
• Easy updates to add or remove vehicles as your setup changes
• Agreed value or finance-compliant policies if needed

If you have multiple vehicles on the road and crews working across different sites, Motor Fleet insurance is a smarter way to stay protected.

Rather than juggling separate policies, this cover brings everything under one policy, making admin easier, renewals simpler, and claims faster to resolve.

It’s ideal for growing operations that need scalable landscaping insurance, whether you’re running a lawn care company, a garden maintenance crew, or a full-service landscape contractor business with teams on the move.

What Motor Fleet insurance includes:

• Comprehensive or third-party cover for two or more registered vehicles
• Cover for utes, vans, tipper trucks, and plant-carrying trailers
• Accidental damage, theft, fire, and third-party property damage
• Optional cover for windscreen repairs, hire vehicles, and towing
• Flexibility to add or remove vehicles mid-policy
• Driver cover for rotating staff, subbies, or casuals
• Cover across all states, including remote and regional access

Where we support you:

• Set up Motor Fleet insurance based on how your vehicles are used
• Make sure mounted tools and plant in transit are properly declared
• Handle changes to your fleet without the need for a full re-quote
• Advise on usage types and who’s allowed to drive
• Keep cover active as your landscaping business insurance setup evolves

For a landscape company insurance policy that supports multiple vehicles and crews, Motor Fleet insurance gives you protection without the paperwork pile-up.

Running a landscaping business means making decisions that carry risk: hiring staff, managing finances, signing contracts, and overseeing compliance. If something goes wrong, the liability doesn’t always stop at the business. You could be held personally responsible.

Management Liability insurance protects the people behind the business, owners, directors, and managers, if claims are made about how it is run.

This cover is often overlooked but plays a key role in protecting landscaping companies that are growing, hiring, or taking on more complex projects.

What you’re covered for:

• Legal defence costs for claims of mismanagement or breach of duty
• Protection against employment-related claims like unfair dismissal or discrimination
• Cover for regulatory investigations or fines
• Claims made against directors, officers, or the business entity itself
• Optional Crime Cover for internal fraud or employee dishonesty

If you’re managing a team or running a company structure, this is a smart layer of protection to have in place alongside your core landscaping business insurance.

Travel is part of the job for many growing landscaping businesses; whether it’s quoting interstate, meeting suppliers, attending trade expos, or sending staff to training. Corporate Travel insurance covers your team when they’re on the move for work.

It works like a business-grade version of personal travel insurance but with more relevant protection for contractors and business owners.

What’s included:

• Medical expenses and emergency assistance while travelling
• Trip cancellations, delays, or missed connections
• Lost or damaged baggage, tools, or samples
• Rental car excess and personal liability
• Cover for directors, staff, and accompanying family members on business travel

This policy is optional, but for landscape companies travelling regularly or expanding into new regions, it adds peace of mind without the hassle of one-off policies every time someone travels.

If your landscaping business is audited by the ATO or another government body, the cost isn’t just in time but in the accounting and legal fees needed to respond properly.

Tax Audit insurance helps cover the professional costs of managing an audit, so you’re not caught off guard by unexpected bills.

What it can cover:

• Fees for your accountant, bookkeeper, or tax agent during an audit
• ATO audits and reviews of BAS, GST, or income reporting
• Payroll tax and superannuation compliance checks
• Legal expenses for disputes over tax matters
• Cover for businesses operating as sole traders, companies, or trusts

This type of cover is often overlooked but can save thousands in professional fees. We’ll help you check if it’s already included in your landscaping business insurance, and add it if it’s not.

Transporting landscaping gear, tools, or materials between sites or suppliers can expose your business to risk, especially if the load is high-value or travelling a long distance. Marine Transit insurance covers your goods while they’re on the move.

It’s a practical add-on for landscape contractors sending or receiving equipment, ordering supplies, or moving gear between projects by road, freight, or courier.

Where this cover applies:

• Loss or damage to tools, plant, or materials in transit
• Theft during loading, unloading, or delivery
• Transport via road, rail, air, or sea
• Hired or owned gear moving between sites
• Optional cover for temporary storage during transit

Standard landscaping business insurance often stops at the site or yard. This policy fills the gap, so your tools and materials are protected until they reach where they need to be.