Gardening Insurance

Public Liability, Tools and More

Whether you are pruning plants, applying mulch or hand weeding, gardening is a demanding job that requires constant maintenance.

The insurance cover for gardening businesses or a self- employed gardener includes gardener’s public liability, tool insurance, accident and illness insurance. In addition trailer and car insurance is another consideration for any gardener.

imar gardener insurance coverage options

Public Liability for Gardeners

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.

Tool Insurance for Gardeners

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.

Accident and Injury Insurance for Gardeners

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 accidently 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 Insurance for Gardeners

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. 

Goods in Custody During Transit for Gardeners

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.

Tax Audit Cover for Gardeners

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.

In Summary

Gardening jobs can vary from transplanting perennials, improving soil quality to protecting plants against pest and disease. imar aims for gardeners to be focused on their varied and demanding job while they, their tools, their gardening business and trailer or car are protected.

imar makes insurance for gardeners easy, informed and affordable. Call us today on 1800 284 627 and press 1 to speak to our friendly and experience team. 

You should consider if the insurance is suitable for you and read the Product Disclosure Statement (PDS), Financial Services Guide (FSG) and policy wording before making a decision to acquire insurance. Please ask us for more details before we provide you with our services. Our FSG is available on our website.

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