Gardeners Insurance

Whether you’re a business or self-employed, as a gardener you are working outside and often on someone else’s property.  Public Liability protects your business against claims lodged by a third party, a customer, the general public, your contractors and suppliers.

It includes cover for third party personal injury, property damage and legal expenses in defending a claim. imar offer a choice of indemnity options for 5, 10 or 20 million dollars.

Trimmers for hedges, high quality secateurs and ride on mowers are only a few of the tools that may need to be insured in case they are damaged or stolen. imar tool insurance covers your tools of trade, hand held tools, mobile phones, stock and customer’s property which are used by you in the normal course or scope of your business.

Tool insurance protects your tools or stock if they are stolen or damaged.  If your tools are stolen from a locked vehicle or premises, they are protected.* If your tools are damaged by fire, vandalism and the collision or overturning of your vehicle, they are protected.

*There are important limitations and conditions on cover, particularly where tools are stored and how they are secured; including a deprecation factor on insured values. Please refer to Product Disclosure Statement.

imar’s accident and injury (injury and illness insurance) covers you 24 /7 whether you are in the garden or on the footie oval. If you are accidentally injured or suffer a covered illness and you can’t work for a temporary time. It covers you for smaller injuries and larger injuries including death and quadriplegia.

Trailers are essential for gardener’s and can be covered by imar’s commercial motor insurance comprehensive policy and as part of your overall gardening insurance. Fully comprehensive or 3rd party policies are available.

Gardeners are covered for up to $5,000 for goods in your physical legal control during transit under your gardener public liability insurance cover. Peace of mind when moving from one job to the next.

imar will cover you for up to $10,000 of your accountant’s fees, charges, expenses which are reasonably incurred to prepare for any statutory tax audit on your behalf. Gardeners are often targeted for audits, so at imar we want to minimise your exposure.