Business insurance
Insurance For Gardeners
Compare business insurance built around the real risks gardeners face — and line up the right cover before your renewal.
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CockatooFor gardeners
Insurance, business loans, and marketing built for gardeners. Pick what your business needs — we match you to the right partner, with no lock-in.
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Australian trades
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How it works
Insurance, business loans, or marketing — pick what fits, takes under a minute.
We line you up with the right vetted partner for gardeners and your area — no guesswork.
Your partner takes it from there — cover, funding, or leads, sorted.
Overview
A gardening business runs on routine and weather. You are mowing, hedging, weeding, mulching and pruning across a round of regular clients, plus the one-off clean-ups and garden makeovers that pay well but take a full day. The work is physical, the gear takes a beating, and your day can be rearranged by a single morning of rain.
In a large and competitive national market of gardeners, spring and early summer are flat out as everything grows at once, while late autumn and winter slow right down outside of leaf clean-ups and the odd hedge. That seasonality is the whole game: the regular maintenance round is what keeps cash steady when the one-off jobs dry up.
Margins are tight, fuel and equipment costs are real, and the difference between a good year and a stressful one is usually how full and reliable your weekly round is.
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Business insurance
Compare business insurance built around the real risks gardeners face — and line up the right cover before your renewal.
View insuranceBusiness finance
Working capital, equipment, and growth finance for gardeners — matched to your revenue and time trading, not a generic credit score.
View business loansGet found and win work
Everything gardeners need to get found and win work online — websites, SEO, Google Ads, and logo design.
View marketingAutomation & AI agents
Put AI to work for gardeners — automate the busywork, answer enquiries around the clock, and free your team for the jobs that pay.
View aiWhy Gardeners
Typical finance amount for gardeners looking at equipment or working capital.
Indicative annual insurance premium, with renewals often around 2026-06-30.
Who we usually help in this industry.
Common questions
A reliable round of regular maintenance clients is the buffer — even at reduced winter frequency, it keeps cash coming when one-off makeovers dry up. Many gardeners also offer winter services like pruning, mulching and gutter clean-ups to fill the quieter weeks.
A dead mower can cost you a whole day, so most gardeners keep a backup or a service relationship that turns gear around fast. Spreading equipment costs with finance rather than a big cash hit also keeps you from skimping on reliable kit.
Regular maintenance is the backbone — predictable cash and tight routes — while one-off makeovers add the bigger paydays. The strongest businesses build a solid weekly round first, then take on projects around it.
Insurance, business loans, or marketing — tell us what you need and we'll match you, free and no lock-in.