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Smarter business insurance

Lawn Mowing Business Insurance.
Protection That Keeps You Cutting.

Cover your lawn care business against accidents, equipment damage and liability claims.

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Why Choose Lawn Mowing Business Insurance?

Lawn Mowing Business Insurance is a tailored package designed to protect your business from financial losses due to accidents, injuries or property damage while you work.

It combines covers like Public Liability, Tool Insurance and Personal Accident Cover that you can customise based on your business needs.

This insurance is flexible, allowing you to choose cover based on your operations, whether you're mowing residential lawns, maintaining commercial properties or offering broader landscaping services.

RISK ANALYSIS

What Makes Lawn Mowing Business Insurance Crucial?

Here's why it matters:

01

Covers Costly Accidents. Protects against financial losses from incidents like damaging a client's property or injuring someone, which could lead to expensive claims or legal fees.

02

Safeguards Your Equipment. Replaces or repairs stolen or damaged tools, like mowers or trimmers, ensuring you can keep working without major out of pocket expenses.

03

Builds Commercial Credibility. Many commercial clients and property managers need to see proper insurance before engaging contractors. Being covered positions you as a professional operator ready for larger jobs.

04

Reduces Financial Risk. Covers unexpected costs such as legal fees or compensation claims, preventing a single incident from draining your personal savings or shutting down your business.

05

Strengthens Your Reputation. Having insurance shows clients you're a reliable, prepared professional, enhancing your standing in a competitive industry.

06

Provides Peace of Mind. Allows you to focus on delivering great lawn care without worrying about the financial impact of accidents, theft or lawsuits.

01

Covers Costly Accidents. Protects against financial losses from incidents like damaging a client's property or injuring someone, which could lead to expensive claims or legal fees.

02

Safeguards Your Equipment. Replaces or repairs stolen or damaged tools, like mowers or trimmers, ensuring you can keep working without major out of pocket expenses.

03

Builds Commercial Credibility. Many commercial clients and property managers need to see proper insurance before engaging contractors. Being covered positions you as a professional operator ready for larger jobs.

04

Reduces Financial Risk. Covers unexpected costs such as legal fees or compensation claims, preventing a single incident from draining your personal savings or shutting down your business.

05

Strengthens Your Reputation. Having insurance shows clients you're a reliable, prepared professional, enhancing your standing in a competitive industry.

06

Provides Peace of Mind. Allows you to focus on delivering great lawn care without worrying about the financial impact of accidents, theft or lawsuits.

Which Businesses Need Lawn Mowing Business Insurance?

Here's who should consider it:

  • • Solo Lawn Mowing Contractors
    If you're a sole trader, you're personally responsible for any financial or legal issues. Insurance helps cover costs that could otherwise hit your personal savings.
  • • Small to Medium Lawn Care Businesses
    If you employ staff or subcontractors, you face additional risks like employee injuries or client claims, making insurance essential.
  • • Contractors Working for Others
    Clients such as real estate agents or commercial property managers often require proof of insurance before hiring you for ongoing work.
  • • Businesses with Valuable Equipment
    If you rely on mowers, trimmers or trailers, insurance can protect these assets from theft or damage.
  • • Anyone Offering Landscaping or Gardening Services
    If your work extends beyond mowing to include hedge trimming, weeding or irrigation, you face similar risks that insurance can address.

Even if you think your business is low risk, accidents can happen. A single claim could cost thousands, so having cover can keep your business and reputation intact.

Which Businesses Need Lawn Mowing Business Insurance?

RISK ARCHITECTURE

Essential Risks Covered

Lawn mowing involves working with machinery, sharp tools and client properties, which can lead to costly incidents. Here are the main risks Lawn Mowing Business Insurance can cover:

Covers costs if you accidentally damage a client's property, such as breaking a window with a flying rock or scratching a car with your equipment. Includes legal fees if a client sues you for the damage.

Protects against claims if someone such as a client or passerby is injured due to your work. A rock hitting someone's eye or a client tripping over your tools are common examples. Also covers medical costs, compensation and legal fees if you're found liable.

Replaces or repairs tools like mowers, hedge trimmers or leaf blowers if they're stolen, damaged in a vehicle collision or lost due to events like fire or storm. Often includes cover for tools left in locked vehicles, a common risk for mobile lawn mowers.

Covers lost income if your business is halted due to specific events, such as damage to your equipment or premises from a fire or storm.

Protects vehicles or trailers used for your business against accidents, theft or vandalism. Offers options like comprehensive cover or liability only, depending on your needs.

Covers claims if products you use or supply, such as fertilisers or turf, cause harm or damage to a client's lawn.

KNOWLEDGE BASE

Frequently Asked Questions

Yes, some policies include cover for equipment or vehicles damaged by events like storms, floods or bushfires, which are common in Australia. Always check the Product Disclosure Statement (PDS) for weather related exclusions as some events like floods may require additional cover.
Product Liability can cover claims if your work, such as using contaminated mulch or equipment, unintentionally spreads weeds or pests that damage a client's lawn. Ensure your policy includes Product Liability as it's not always standard.
Public Liability generally covers you when working on public land, such as council parks, for incidents like accidentally damaging park property or injuring a passerby. Councils often require a certain amount in coverage for such contracts. Confirm with your insurer that your policy includes public land work as some may have restrictions or higher premiums. Don't forget to also check the requirements to ensure compliance.

Protect your lawn care business today

Get a tailored quote for public liability, tools, and equipment from a specialist broker who understands your trade.

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