Someone other than an employee trips over some seedling punnets you left on the ground.
Landscaper and Gardener Insurance
Included covers
Optional covers
Limits, conditions and exclusions apply. See the PDS for details. Not all covers are available on their own, and Business type may affect what covers can be chosen.
What sort of events are covered?
AAMI’s Public and Products Liability cover can help with events that may happen to a landscaper or gardener, such as:
Policy document downloads
Product Disclosure Statement (PDS)
What kind of gardening and landscaping work does AAMI cover?
Whether you own a flourishing landscaping or gardening business – or you’re just starting out – start putting down strong roots with AAMI Business Insurance.
We can cover
We can’t cover
Public and Products Liability
Every AAMI Business Insurance policy includes Public and Products Liability cover. It covers you for compensation costs you might be liable for if your business is responsible for personal injury to another person (other than employees) or damage to someone else’s property.
Slips and trips
Work causes damage to a client's home
While pruning a tree, a falling branch hits the gutter of a client’s home. The client demands payment for repairs.
Work causes damage to existing underground utilities
While digging in a client’s yard, you accidentally rupture a gas line. The broken gas line must be repaired by the gas company.
What's covered
Risks covered
Risks not covered?
Limits, conditions and exclusions apply. These are examples only and not exhaustive.
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Portable and valuable items
Cover for accidental loss of or damage to your tools as well as other items you carry with you while working, such as a smartphone or tablet.
What's covered
Risks covered
Risks not covered?
Commercial Motor
For each vehicle you insure, be it your work van, car, truck or ute, choose from these covers – Comprehensive, Legal Liability only or Legal Liability Fire and Theft.
What's covered
Risks covered (Comprehensive only)
Risks not covered?
Tax probe
Cover for any professional fees connected with a tax audit of a return by the ATO or a Commonwealth, State or Territory department, body or agency .
What's covered
Risks covered
Risks not covered?
Limits, conditions and exclusions apply. These are examples only and not exhaustive.
Take control of your policy
Make a claim
Make a claim online 24/7. Once your claim is lodged, our friendly team can help with:
BUSINESS INSURANCE
Stay informed about AAMI Business Insurance
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Public liability insurance may seem to be expensive for small business owners. Make sure you have the right coverage by knowing your options and getting a custom quote for your business.
Small business owners across Australia have been asking why inflation has such an effect on small business insurance and what can they do to reduce the impact.
What is AAMI Business Insurance for Gardeners and Landscapers?
AAMI Business Insurance is great for landscapers and gardeners. Offering Public and Products Liability with every policy, it provides cover for your legal liability for injury to another person (not your employees) and damage to someone else’s property occurring in connection with your work. You should then check if any of the optional covers – like Portable and Valuable Items for your tools and Commercial Motor for your ute, van or truck – would suit your business.
Gardeners and Landscapers Insurance
Frequently Asked Questions
What’s the difference between Public Liability and Products Liability Insurance?
All AAMI Business Insurance products have a combined Public and Products Liability cover. Both Public and Products Liability provide cover for third party injury or property damage you might cause. The difference is Public Liability relates to injury to a person or damage to a person’s property you cause while you’re on the job. Products Liability on the other hand, relates to injury to a person or damage to their property caused by any products you distribute, supply or manufacture.
Can I change my business insurance cover?
You can change your cover by contacting us. As a business owner, it’s a great idea to review your cover when:
- Your policy is due for renewal
- Your business expands
- You move premises, or
- You upgrade equipment.
How do I lodge a claim?
Details of how to lodge a business insurance claim can be found on our claims page.
Public & Products Liability
Covers you for the compensation costs you may be liable for if your business is responsible for personal injury to someone other than your employees, or the damage to another person’s property.
Portable and Valuable Items
Cover for the accidental loss of, or damage to, the items you bring with you while working - like your tools.
Theft
Cover for loss of, or damage to, your contents, specified items and stock caused by theft.
Back in Business
Cover for a reduction in business revenue resulting from the interruption to your business as a result of loss or damage caused by an insured event.
Commercial Motor
As an electrician, you’ve probably got a work van, ute or truck. For each vehicle you insure, choose from these covers – Comprehensive, Legal Liability only or Legal Liability Fire and Theft.
Tax probe
Cover for the professional fees connected with a tax audit of a return by the ATO or a Commonwealth, State or Territory department, body or agency.
Slips and trips
Someone other than an employee trips over some seedling punnets you left on the ground.
Work causes damage to a client's home
While pruning a tree, a falling branch hits the gutter of a client’s home. The client demands payment for repairs.
Work causes damage to existing underground utilities
While digging in a client’s yard, you accidentally rupture a gas line. The broken gas line must be repaired by the gas company.
Defective finished work [causing damage]
A pipe you replaced starts leaking , resulting in water damage to floor boards or carpets or cupboards.
Breach of contract
You’ve not completed work as stated in the contract.
Lost documents or data
You misplace a customer’s sensitive information.
Defamation
A social media post you made about a customer upsets them.
Intentional damage
You or an employee intentionally damage a customer’s property.
Fines and penalties
No cover for any civil or criminal fines and penalties.
Fraud or dishonesty
The actions of an employee result in a loss for your customer.