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Landscaping jobs can involve far more just than designing planting schemes or installing new lawns. For instance, garden landscapers who undertake larger jobs may require detailed technical knowledge of water drainage legislation if they include retaining walls or fences in their designs. For this reason, having the right insurance is essential for anyone who works in the landscaping business.
You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your landscaping business and the insurance you need and you’ll have multiple quotes from a range of respected insurers to compare instantly. Use our quick and easy comparison service to help you get the best value insurance for your landscaping business today.
There are several types of business insurance you should consider if you run a landscaping business. These include:
Public liability insurance
Public liability insurance is essential for anyone who runs a business which brings them into contact with members of the public or other people’s property. This insurance can cover you against claims that your business activity caused injury to a member of the public, or damaged their property.
For example, if you design and install a retaining wall and a subsequent flood caused by a poorly designed drainage system causes damage to your client’s shed, you could be protected by your public liability insurance. This insurance can offer between $5 million and $20 million worth of coverage.
What it covers:
General business insurance
General business insurance may also be worthwhile, as it can protect your gardening tools and portable equipment, such as your ride-on mower, edge and hedge trimmers and leaf blowers. Business equipment insurance is often available as part of a general business insurance bundle and can provide cover for your tools (as long as they’re securely locked at night to protect them from theft).
What it covers:
Personal accident and illness insurance
Since you rely on your physical fitness to be able to do your job, taking care of your health should be a high priority for all people who earn a living working with their hands. Accident and sickness insurance can provide cover for you if you become sick and are unable to work, with a weekly replacement income available if you can’t work as a result of an accident or injury.
What it covers:
Optional extras can include:
What isn’t covered under my landscaping business insurance?
The most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
However, because location also plays a part in the cost of insurance, how much you’ll pay will also depend on where you live. For example, the cost of public liability insurance for a business in South Australia may be different than for a landscaping business in WA. If you’re looking for a better idea of exactly how much your policy may cost, you can compare a range of quotes through Savvy.
Landscaping and lawn mowing may seem like simple tasks, but there are many risks to consider and things that could potentially go wrong. For example:
These and many similar risks could prove to be costly if you don’t have adequate business insurance. In many of these instances, you can be held personally liable for the damage, injury, loss or expense caused by the accident or incident, just as builders and carpenters are also held responsible for the construction work they carry out.
Damage claims can potentially run into millions of dollars, particularly if you’re a landscape designer, which is why it’s vitally important to have adequate insurance in the event that an unfortunate covered incident does take place. Public liability insurance is there to protect you and your business so you can continue earning a living doing what you love for years to come with the knowledge that you’ll be able to make a claim should a covered event take place.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
