Creating breathtaking landscapes, bringing people’s visions to life, is as much an art as it is a trade. The insurance exposures for landscapers, however, can be significant. It’s important to protect your assets with the right covers. At Go Get Insurance, we’re experts in covering landscapers, so let us roll out the turf for you.
Covering yourself against accusations of negligence from third parties is your first port of call. Anyone you’ve worked for or a member of the public not associated with the job can claim that you’ve caused them injury, or damaged their property, and there’s no limit on the amount they can sue you for.
A quality Public and Products Liability policy can protect you against such accusations, paying and settling the defence costs, so you can get back to business.
It’s important to know a few things about insurance for landscapers that are commonly found in the fine print. You need to know these things prior to buying a policy, because finding out that they’re excluded or restricted after something goes wrong could leave you in a bad spot.
Every tradie has heard of Dial Before You Dig. If you’re digging drainage, it’s probably come up a few times. Some tradies will shrug it off if they think it’s another person’s responsibility.
In reality, unless you make the enquiry yourself, or see the physical plans relating to the services and where you can or can’t dig, a dial before you dig exclusion on your Public and Products Liability Insurance could land you in serious trouble.
Go Get’s Public and Products liability insurance for landscapers removes this exclusion – a benefit that is unique in the market place – and ensures you are protected. Have a read of the PDS for full details on this benefit.
Some policies on the market will exclude welding and heat related works for landscapers. Ensure there is cover for this, because it might exclude anything as minor as using a heat gun or a grinder. All policies will request that you adhere to Australian Standards while conducting these activities; be sure to have an understanding of what these are and operate accordingly.
Another common clause on Public Liability relates to Tree Lopping. Policies should allow some tree works, generally up to 3.5 metres in height, but be aware of any policy that excludes it altogether.
The purpose of this clause is to differentiate the higher risk occupation of a Tree Lopper or Arborist, from occupations that might undertake some incidental tree work (Landscapers, Gardeners, etc.). With this in mind, a limitation on the height makes sense, and exclusion altogether does not.
Of particular concern to Landscapers is Injury & Illness Insurance. This cover pays out weekly benefits if you’re off work due to injury or illness for an extended period. An important consideration for landscapers is the inclusion of illness cover over basic accident only cover.
While you might think illness only covers ‘serious sickness’, it also includes cover for internal ‘wear and tear’ type injuries, something an accident only policy won’t cover.
Landscapers need to consider the inclusion of this cover so they’re protected. Over time, wear and tear issues can arise without you even knowing it – knees, back, shoulder or arm issues are common for landscapers. Protect yourself with the addition of illness cover on your Insurance.
Ask yourself how a theft, fire, flood, or transit accident to your tools would impact your trading. Losing 5, 10, or 15 thousand worth of tools might not be the end of the world, but losing that important job, or that big contract, could really bring your business to a screeching halt.
Unless there’s tidy sum of money hidden away somewhere, protecting your landscaping business with a Tools and Stock Insurance policy might be the smartest and safest decision you make.
Go Get Injury & Illness Insurance is Annually Renewable and factors General Advice only. A Guaranteed Renewable policy, which can provide a benefit period up to age 65 (which does impact on the premium), requires personal advice taking your individual circumstances into account. Should you wish to consider the greater level of protection and flexibility that a Guaranteed Renewable policy provides, click here.
Depending on your Business structure and location, you might require Workers Compensation Insurance if you’re a Company, Working Director, or have deemed Employees. Please check your State Government requirements to ascertain this information.
Please read the PDS for full details on policy coverage, conditions and exclusions to ensure a full understanding of the product you are purchasing.