Public Liability Insurance for Gardeners

Public liability insurance quotes for gardeners. Compare costs and suitable cover for landscape gardeners, self-employed gardeners, gardening equipment and gardening sub-contractors with help from our liability brokers.*

Do gardeners need public liability insurance?*

In Australia , all self-employed gardeners need public liability insurance.

As a gardener you need public liability insurance as it can protect you and your business against the financial risk of being liable for negligence.

If an accident happens as a result of your gardening business activity you are responsible. Public liability insurance is needed to help cover damages and legal fees.

For example, if as result of your gardening activities someone is harmed public liability may help cover their medical expenses and pay for your legal bills.

What is public liability insurance for self-employed gardener?

Public liability insurance for the self-employed gardeners protects you from third-party claims of bodily injury or damage to someone else’s property. For example, if you are gardening for a client at their home and their child trips over your ladder or garden hose and hurts themselves public liability may help pay your legal bills and the child’s medical bills.

What does public liability insurance for a gardening business cover?*

Public liability insurance in Australia typically provides self-employed gardeners cover for:

  • Third-party injury to other persons – Where your gardening business activities causes harm to others
  • Third-party damage to others property – Where your gardening business activities causes damages to others property
  • Product liability – Where your gardening business products and goods supplied causes harm to others

How much does public liability insurance cost for a gardener?*

Public liability insurance cost for gardeners snapshot:

Self-employed gardeners, starts from around $560* or $50 per month.

$5 million Public Liability Insurance cost for some gardeners with no previous claims starts from around $560* or $50 per month.

For gardeners that:

  • Work on Commercial Building Sites
  • Have Employees
  • Work for councils or government departments and require 20 mil liability costs will be higher.

*Important : the above is a guide only ; pricing may vary significantly from the above based on your size, clients, experience and gardening business activities.

We serve gardening businesses and gardening sub-contractors all over Australia*

List of states and territories in Australia we can help gardeners find the insurance cover they need:

  • New South Wales (NSW)
  • Queensland (QLD)
  • Victoria (VIC)
  • Western Australia (WA)
  • South Australia (SA)
  • Tasmania (TAS)
  • ACT and NT

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