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Insurance For Lawn Mowing Business

Compare business insurance quotes with Savvy to find the best policy for your lawn mowing business 

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, updated on July 26th, 2023       

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We’ve partnered with BizCover to bring you a range of business insurance policies to help you compare them side by side.

Lawn mowing can be a great way to earn an income, either as a full-time business or a part-time second job. It may sound like a simple way to earn money, but there’s plenty that can go wrong if you run a lawn mowing business. From dog bites to the risk of gardening equipment theft and stones flying up and causing injury to bystanders or damage to property, there are many situations where you need good business insurance to protect you in case a claim is made against you. 

You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your lawn mowing 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 make sure you get the best-value insurance for your mowing or gardening business today. 

What types of insurance should I buy for my lawn mowing business?

There are several types of business insurance you should consider if you run a lawn mowing business.  

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. This insurance can offer between $5 million and $20 million worth of coverage. 

What it covers:  

  • Third-party personal injury claims 
  • Damage to a third party’s property 
  • Legal fees to defend yourself 

General business insurance 

General business insurance may also be worthwhile to protect your gardening tools and portable equipment, such as your ride-on mower, edge and hedge trimmers and leaf blowers. Business equipment insurance is available as part of your general business insurance bundle and can provide cover for your tools as long as they are securely locked at night to protect them from theft.  

What it covers: 

  • Fire, storms, theft, vandalism and collision which cause damage to your business assets 
  • Specialist cover for portable equipment 
  • Limited business interruption insurance

What isn’t covered under my lawnmowing business insurance?  

The most common general exclusions include: 

  • Injury to yourself or any employees you may have 
  • Damage to your own property 
  • Professional negligence 
  • Failure to take reasonable care 
  • Unlawful activity 
  • Reckless behaviour or intentional damage 
  • The effects of pollution caused by your business activity 

How much will my lawn mowing business insurance policy cost?

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 state you live in 
  • Whether you live in a rural or urban area 
  • Whether you’re a sole trader or run a business 
  • Your business size and turnover  
  • If you have any apprentices or employees 
  • Your insurance history 
  • Whether you’ve made an insurance claim in the past five years 

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. If you’re looking for a better idea of how much your policy may cost, you can compare a range of quotes through Savvy. 

Why do I need insurance for my lawn mowing business?

Lawn mowing and gardening may seem like a simple task, but there are many risks to consider and things that could potentially go wrong. For example: 

  • What if your electrical lead accidentally wrapped around an expensive marble water fountain and pushed it over, smashing the fountain? 
  • What if you accidentally ran over and cut the power supply to a garden light display or pond filtering equipment whilst mowing a lawn?  
  • What if your ride-on mower slipped off its trailer and rolled into your client’s car? 

These and many more accidents 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, just as tradies and handymen are also held responsible for the work they do. 

Such personal injury or damage claims can run into millions of dollars, which is why it’s so vitally important to have adequate insurance to give you cover in the event an unfortunate covered incident does take place. Public liability insurance is there to protect you and your business so you can continue being out in the sunshine mowing lawns for years to come. 

Types of business insurance

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Frequently asked questions about insurance for lawn mowing businesses

Is my work vehicle and trailer which I use for my mobile mowing business covered by my business insurance?

No – commercial vehicles including trailers aren’t covered by a general business insurance package, so you’ll need to insure them separately with a commercial vehicle insurance policy. 

Are my gardening tools covered for theft while I’m at my client’s house?

This will depend on whether your tools were adequately locked up in your vehicle when they were stolen. If they were adequately secured, they’re likely to be covered. However, if they weren’t locked away and were instead left by the side of your vehicle, they may not be covered. Business theft insurance can only cover instances where business equipment is stolen and there’s proof of forced entry to a secure building or vehicle in order to steal the equipment. 

How much excess will I have to pay if my gardening or lawn mowing tools are stolen?

This will depend on the excess you’ve chosen as part of your insurance policy. Naturally, the lower the excess, the higher the premiums you may have to pay for your insurance as a whole, so paying a higher excess can be an effective way of lowering the cost of your premiums. 

What information will I need to make an insurance claim?

The information you should have to hand when you contact your insurance company to make a claim will include: 

  • The name of the policyholder 
  • Your policy number and start date (which can be found on your Certificate of Currency) 
  • A detailed description of the incident (what happened to cause the damage or loss) 
  • Specific dates and times when the incident happened 
  • Contact details of any other parties involved (or witnesses to the event) 
  • Details of your police report number (if a crime took place) 
  • Details of the property lost or damaged (including its age and value) 
  • Your bank details for settling the claim

 

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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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