Cultivate Your Business with Confidence

As a Gardener, Lawn Care & Landscaping professional, you face the risk of damaging your client's or a third party's property or causing bodily injury.

15% of all of our liability claims from 2022 - 2025 were caused by rocks flicking up from lawnmowers and whipper snippers and damaging the clients' property, usually windows or nearby cars.

This is the type of situation where Public Liability Insurance becomes important; because as long as the conditions of coverage are met, we will cover costs from the damage caused.

The risks covered by Public & Products Liability insurance are typically low frequency (they may not occur every year) but high severity (they can result in claims costing millions).

You might not want to take out Public & Products Liability if you have a big appetite for risk, however low-frequency, high-severity events can be life-changing, which is why the majority of Australian tradies opt to let the insurance market handle these risks for a manageable monthly premium.

There is no federal law that mandates Public Liability or Products Liability insurance for all tradies in Australia. However it is often:

• Mandated by state or territory-specific licensing bodies for certain trades (such as electricians in Queensland).
• Required by local councils for activities on public land.
• A condition in contracts with larger clients.

Choose from $5, $10 or $20 million of cover. This is the maximum amount payable by the insurer for any one loss or in the policy period.

$10 million of coverage is the most common limit taken among our portfolio of Gardeners, Lawn Care and Landscaping professionals. Often, a tradie will choose a limit ($5M, $10M or $20M) based on the requirements of a contract. For example, if you have a contract with a real estate agent to maintain their clients' properties, they might ask you to maintain a minimum of $10 million coverage. Every business is different, so be sure to consider your own needs when selecting a limit.

The ATO can audit any taxpaying entity at their discretion, regardless of suspicion, fault or evidence. Some taxpaying entities are selected for audit at random, some are selected based on the profile of their lodgements.

If you favour protecting your cashflow against unforeseen professional fees following a tax audit, you may want to consider adding this optional extra to your policy. That way, if the ATO comes knocking, you know that you have VIZ's Tax Audit cover.

If you are a smaller business, it might not make sense to get Audit Insurance, since the likelihood of an audit is quite low and paying the premium might not be worth it.

You can either opt in or out of $50,000 of cover for Tax Audit Insurance. This can cover you for accountants fee in the process of an audit by the ATO. Its pretty simple.