Understanding exactly what type of business insurance you need is key to protecting you and your business.
Whether you work on your own or for someone else, working as a landscaper involves a level of risk so having the right type of business insurance in place is essential for your safety and peace of mind.
As a landscaper you might design and create gardens or parks, but you might also build retaining walls and other structures. You might move large sleepers from one site to another or large rocks or boulders. You probably use machinery and power tools.
With this sort of work comes the risk that you or someone else could be injured, damage could occur to someone’s property, or your tools could be stolen.
Phoenix Insurance Brokers can take care of all your landscaping insurance needs and provide advice on the type of business insurance that’s best for your business.
Some types of business insurance are essential for landscapers, and some are recommended.
The type of insurance you’ll need, whether Public Liability or Personal Accident insurance will depend on how your business is structured and the types of work you’re taking on.
If you operate your business in WA, NT, QLD, NSW, ACT, VIC, TAS or SA – our landscaping insurance brokers can help. Get A Quote »
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At Phoenix Insurance Brokers, we know business insurance can be complex and challenging. That’s why we work alongside our clients to make sure they have the best level of protection in place. And as a valued Phoenix client, in the event of a claim, we always go the extra mile to ensure all entitlements are received. Phoenix understands the type of insurance landscapers need yet they also know every landscaping business can be different. That’s why your Phoenix broker will work with you to tailor a comprehensive business insurance policy to suit your particular needs. Your Phoenix Insurance Broker understands the risks encountered by landscapers. You can rest assured they will work with you to make sure you have the right landscaping insurance coverage in place.
Insurance is complex. Knowing which policies to choose from to protect your business involves specialist knowledge. Phoenix Insurance Brokers has been providing insurance advice to Western Australian small and medium sized businesses for more than 30 years. We have the knowledge and experience to know what you need to protect your small business and our service is second to none. We also know you’ll love our friendly and highly qualified team.
Using Phoenix Insurance Brokers Perth gives you access to economies of scale and insurance packages that have been specially developed through our alliance with the Steadfast Group, Australia’s largest insurance broker cluster group. Our Steadfast alliance ensures our clients receive Phoenix’s signature personalised service together with the benefits of Steadfast’s impressive buying power.
Phoenix can assist with all your general insurance needs including accessing and reviewing your insurance, full claims management, arranging premium funding and risk management.
Not only will your Phoenix Insurance Broker help you decide which policies are right for your business, they can also package multiple policies together so you only pay one premium that you can spread out over a year (to assist with cashflow). Your Phoenix Broker will also work with you to make sure your insurance changes as your business changes, so you’re only paying for what you need or you’re adding cover as your business grows.
We’re here to assist you every step of the way. With three locations throughout the state in Como, Busselton, and Broome, one of our branches is local you. Our head office is in Preston Street in Como. Our Broome office represents our clients in the state’s North-West while out Busselton office has been servicing our clients in the South-West for almost 20 years. We also cater to clients in the Rockingham and Peel regions.
Insurance can be complex. Often you think you’re doing the right thing by taking out a particular policy, only to find you’re not adequately covered for a scenario when it comes to making a claim. This can be costly, time consuming and frustrating. As experienced insurance brokers, Phoenix can work with you to ensure you have the right policies in place to protect your business so that if the worst happens you can get back to work as soon as possible. With Phoenix, we take care of the details, giving you peace of mind and leaving you to get on and do what you do best.
Some people dream of running their own business but that doesn’t mean there aren’t challenges and risks along the way and a lot of hard work. While we can’t help run the day to day, we can put you on the right path when it comes to insurance. Having the right insurance in place is essential to protecting your landscaping business against unexpected challenges.
Sifting through the myriad policies on the market and knowing what policies will best protect you can be a minefield. That’s when an experienced insurance broker, who can guide you through the maze and explain the pros and cons of insurance, can be helpful. Having the right insurance package in place can make all the difference to your bottom line. Without it, you’re taking a massive financial risk.
Whether you’re a landscaper just starting out, or you have an established landscaping business that needs a full broker’s service, we can help.
Below are some of the different types of insurance you need to consider for your landscaping business.
Public Liability Insurance is an important type of cover for landscapers.
Landscapers’ Public Liability insurance can protect you if you injure a person or damage their property through negligence. Things can go wrong on jobs for even the most skilled landscaper, and it might not be your fault. Perhaps while you’re digging a large hole part of a fence collapses, or someone seriously injures themselves using a power saw. Or a member of the public falls into the hole and breaks their leg. Public Liability insurance can cover you for expenses incurred from a third-party claim against you, including legal costs, fees, and other expenses.
Even if you are subcontracting to another landscaper, gardening business or landscaping company you could still be responsible in the event of a claim, which makes Public Liability insurance a must.
If you have people working for you, Public Liability insurance won’t cover you for claims or injuries by your employees. To protect against this sort of scenario, you’ll need Workers’ Compensation Insurance as a part of your overall landscapers’ insurance policy.
Tool theft is an all too common and frustrating reality for many tradies. If your tools are stolen or vandalised, you can’t work so insuring them makes sense. It also means, you’ll be able to get back to work sooner than later.
Tools Insurance can also cover you for loss or damage due to fire, or damage caused in a vehicle accident. It can provide you with immediate funds to buy a new set of tools, allowing you to get back to work without having to rely on cheap, temporary replacements.
Taking out a trades insurance policy for your tools can be an affordable way to secure them. To give an idea of what you’ll need to pay, $5,000 of cover costs around $300 a year.
To make a claim, you’ll need a police report, receipts for your lost tools and quotes to replace them.
As an individual landscaper or subcontractor, you’re not entitled to paid sick leave, and in many cases, Workers’ Compensation Insurance.
This means it’s important to protect your income and your livelihood. Personal injury insurance or Income Protection insurance as it’s also known, covers your income when you can’t work due to sickness or injury. Personal injury insurance can replace a large percentage of your income if you can’t work for a period of time.
Tools insurance provides cover for your handheld tools and equipment, but if you use larger equipment such as excavators, you’ll need to cover these with Plant and Machinery insurance which is specifically designed to cover large items and machinery against a range of different risks.
In partnership with one of Australia’s leading contractor equipment insurance and plant insurance brokers, your local Phoenix Insurance Broker can talk to you about tailoring a package to suit your business’ individual needs.
If you employ people, Workers’ Compensation Insurance is compulsory insurance cover in Australia required by law. This business insurance is designed to cover the cost of an employee injury or illness related to their work, including if they are injured while working offsite.
Even with the best safety planning, there can be a range of hazards on a landscaping job site and accidents can happen. Hazards for landscapers and gardeners can include working at heights for example when cutting tree branches, eye injuries, injuries from saws, hammers, and other large and small tools and back and joint injuries.
Each of your employees will need to be covered by appropriate Workers’ Compensation Insurance. Without this business insurance cover as a part of your landscapers’ insurance, your business could face large government penalties, as well as liability for medical bills and other expenses.
If your landscaping business grows and you form a company and employ staff, you’d be well advised to consider Management Liability Insurance.
Your Phoenix Insurance Broker can discuss this type of insurance with you as your business grows. In our experience, many trade based business owners are sorely underinsured with only basic Public Liability Insurance in place that doesn’t suit their growing business.
Your business is your asset, so it’s essential to make sure it’s protected and insured against all risks.
Running your own landscaping business will no doubt see you work hard and reap the rewards. Whether you’re starting a business, or you’ve been working as a landscaper for a while and you know you need to get on to sorting out your insurance, Phoenix Insurance Brokers can guide you every step of the way.
Now that we’ve covered the basics and some insurance options for you to consider, why not get in touch with your local Phoenix Insurance Broker today to talk about how we can help you safeguard your landscaping business.
While insurance is our business, our philosophy is about people and building strong, solid relationships with them. We partner with all our clients to achieve the best possible outcomes, for them, their families, and their businesses.
Common types of insurance taken out by landscaping or gardening businesses include Public Liability Insurance and Tools Insurance. If you employ staff, Worker’s Compensation Insurance is mandatory. There are many policies on the market from which to choose. Your Phoenix Insurance Broker can tailor a policy specific to your landscaping business needs.
You must have Workers’ Compensation insurance for anyone you employ in your landscaping business including full-time workers on a wage or salary, part-time, casual, and seasonal workers. This is mandatory insurance in Australia.
In the event you need to make a claim, get in touch with your Phoenix Insurance Broker and we’ll guide you from there. Remember that we work for you, not the insurance company. Whether you need advice, you need to make a claim, or change your policy, your Phoenix Broker will take care of all your landscaping insurance needs.
Yes, you can make changes to your landscaping insurance policy. If things change, like your address, or your business grows and your employ more staff, and you want to make sure your insurance still covers you, simply call your Phoenix Insurance Broker on (08) 9367 7399 or email us at info@phoenixins.com.au.
Your landscaping insurance renewal offer will be sent to you prior to the renewal date. Once you are happy with the details (taking into account any changes in cover and price), all you’ll need to do is pay your renewal by the due date. Your Phoenix Broker is there to discuss with you at any stage of the renewal process.
It’s up to you! Your Phoenix Insurance Broker can work with you to not only bundle your insurance policies into a package that’s tailored to your landscaping business requirements, they can also help you to manage your premiums by showing you how you can pay them monthly to assist with cashflow or if you prefer, paying them annually.
For all your landscaping business insurance needs and questions, contact us on (08) 9367 7399 or at info@phoenixins.com.au. You can also view our full contact details and locations.
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