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Landscapers & Gardeners Insurance Australia

For Subcontractors & Tradies

No two landscaping or gardening businesses are the same. Every business has different risks, equipment, staff structures and growth goals, which is why the right insurance should be tailored to how you operate. At Be Covered, we help arrange practical business insurance for landscapers and gardeners designed to protect your people, tools and equipment, vehicles and day-to-day operations.

Whether creating intricate domestic gardens, open public spaces, or anything in between, Landscapers and Gardeners in South Australia and beyond face many risks.

Some of these include:

  • Liability – causing injury or property damage to third parties
  • Tools and Machinery – Theft or Damage
  • Transport – motor vehicle, materials in transit
  • Operational – employee, safety
  • Product – failure of the installed product, legal liability for contract disputes
  • Warehouse/Office/Yard – theft, fire, business interruption
Operating from Adelaide, Be Covered Insurance Brokers are there to take the hard part of understanding these risks and getting the right mix of insurances tailored to you.
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Insurance Products for
Landscapers / Gardeners

Liability
Insurance

Plant
& Equipment

Legal
Expenses

Office &
Workshop

Management
Liability

Commercial Vehicle
Insurance

Reviewing Your
Insurance Products

Most landscapers and gardeners understand the importance of protecting against common risks such as damage to client property, theft of tools and equipment, or accidental injury claims. However, many businesses are exposed to a broader range of risks as contracts, regulations and day-to-day operations become more complex.

Whether you work in Adelaide or anywhere across Australia, it’s worth reviewing your insurance regularly with a qualified adviser to ensure your cover continues to reflect the way your business operates as it grows and changes.

Often, we meet companies that are unaware of insurance cover for common risks, which can include:

  • Legal liability to cover legal fees in payment disputes with clients
  • Statutory liability to cover risks such as OHS, environment and employment practices
  • Professional indemnity for design risk and pure economic loss claims
  • Tenant liability for leased premises
  • Cyber liability to protect valuable infrastructure and data
  • Materials both on an away from site
  • Machinery and electronic equipment breakdown

At Be Covered Insurance Brokers, we take the time to understand your business, operating environment and the specific risks that come with your work. No two landscaping or gardening businesses are the same, which is why the right insurance should be tailored to how you operate.

Whether you manage residential gardens, commercial maintenance contracts or large-scale landscaping projects, we help arrange practical insurance solutions designed to protect your people, tools and equipment, vehicles and day-to-day operations.

For trusted advice and cover built around your needs, speak with the team at Be Covered Insurance Brokers today.

Common Questions Answered

Landscapers and gardeners often require a mix of cover depending on the size of their business and the type of work they perform. Common covers include public liability insurance, tools and equipment cover, commercial vehicle insurance, trailer cover and workers compensation if staff are employed.
Yes, retaining wall construction can be covered under your Contract Works policy if it's listed in your scope of works. Public Liability insurance can also respond if your work causes damage to existing retaining walls—just be sure to disclose both.

Yes. Landscapers insurance can include cover for tools and equipment such as mowers, chainsaws and hand tools, depending on the policy. It may help protect against theft, accidental damage or loss.
Yes, if declared and within your standard scope.
Yes, Public Liability is critical for both residential and commercial work. Even on smaller residential sites, you can still cause significant damage or injury—so having cover in place is essential.
Yes, ride-on mowers can be insured under a Plant & Equipment or Tools policy, depending on the value and usage.

Yes. Public liability insurance for landscapers is one of the most common and important covers. It can help protect your business if someone is injured or client property is damaged as a result of your work.

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(08) 7092 2242