What we can cover

If you do lawn mowing and garden maintenance, or run a landscape gardening business, Public & Products Liability Insurance (available under an AAMI Business Insurance policy) can provide cover for common third party injury and property damage risks:

• A client accidentally trips on gardening tools left on the ground and is injured.
• While digging in a client’s yard, you accidentally rupture a gas line.
• A rock is thrown by a lawn mower, cracking a nearby car window.
• Pavers you installed become loose, causing a trip hazard weeks after the job is completed.
• You reverse your trailer into a client’s fence, damaging the structure.

What’s not covered

• Workers Compensation – for example, your employee is injured in your café. This would typically be covered under Workers Compensation Insurance.
• Professional Indemnity – for example, your customer is dissatisfied with your gardening service and demands a refund.
• Cyber incidents and cyber acts – for example, a cyber-attack results in stolen customer data and a client demands compensation.
• Damage to your own property – for example, you accidentally damage your lawnmower. More information on damage to your own property