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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Australian trades
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How it works
Matched to the right broker in minutes
Tell us what you need
A few details about your business and the cover you need. Takes under a minute.
We match you
We line you up with the right vetted broker for gardeners and your risks — no guesswork.
Get covered
Your broker takes it from there — quotes and cover, sorted.
What you get
Built around your business
- Public liability plus cover for the tools, vans, and job sites you rely on every day.
- Protection against on-site damage, injury, and third-party claims — the risks clients ask trades to carry.
- A renewal review timed before your policy rolls over, so you are not auto-renewed on a stale premium.
How it works
Simple next steps
- 1Tell us your trade, the gear you carry, and when your cover renews.
- 2We match you to a broker who insures hands-on trades every day.
- 3You compare the cover and only switch if it beats what you have.
Important note
Good to know
No lock-in and no obligation. We only connect you with a partner if it genuinely helps — you decide whether to proceed.
Business insurance
Insurance for Gardeners
A gardening business carries everyday risk because you are running powered equipment around other people's homes and dealing with flying debris, fences and windows. Public liability sits at the centre, covering damage to a property or injury caused by your work, alongside tool and equipment cover for mowers and trimmers, and vehicle cover for the work ute and trailer. If you take on staff, workers' compensation is required.
Premiums for a gardener often sit around the ~$1,000 mark. With many policies renewing around 30 June, it's worth reviewing your tool list and cover before the new financial year, especially after a year of equipment upgrades.
Common questions
Gardeners — insurance questions
Why does a gardener need public liability?
Because a flicked stone through a window, damage to a client's garden bed or an injury on site can lead to a costly claim. Public liability covers exactly that, and many clients and strata managers won't hire a gardener without it.
Should I insure my mowers and tools separately?
It's wise. Tool and equipment cover protects your mowers, blowers and trimmers against theft or damage, which matters when a stolen ride-on can stop you working. List your gear accurately so a claim reflects what it costs to replace.
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Tell us what you need and we'll match you to the right partner — free, no lock-in, under a minute.