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Ride-on Lawn Mower

Business insurance for lawn mowing contractors

Working as a lawn mowing contractor may not seem like a high risk occupation, but there is still a need for business insurance.

Here at Trade Risk we assist dozens of lawn mowing contractors each month. We know the cover you need and we know how to get it at a great price.

In this guide we’ll give you some helpful information, but if you’d prefer to just speak with someone please call our office on 1800 808 800 and we’ll be happy to help.

Your Risks

There are four main insurable risks that you face when running a lawn mowing business:

    • Damaging someone else’s property
    • Causing personal injury to another person
  • Having your equipment stolen
  • Losing your income whilst unable to work

The truth is that these risks are common for virtually all small business owners, but for this guide we’ll be focusing on how they affect lawn mowing businesses.

Insurance Types

Thankfully each of the risks listed above can be protected against with insurance.

We’ll now go into further detail on each of the most common forms of insurance for lawn mowing contractors.

Public Liability

Anyone who mows lawns will know that the most common risk is flicking a stone which chips or breaks a window.

Breaking a standard house window may not be a big deal, but a big tinted sliding glass door or a car windscreen can be quite expensive to replace.

Your public liability policy will cover the cost of causing property damage such as this, but just remember that each policy will have an excess.

Lawn Mowing Equipment

The typical excess for a property damage is $400, so if the damage bill is less than this (or even slightly more) then making a claim may not be worthwhile.

A less common, but more serious risk is causing personal injury to another person. An example could be a rock that flicks into someone’s eye, causing permanent damage.

These claims can be extremely costly, but thankfully public liability also covers personal injury in addition to property damage.

General Property

Whilst a lawn mowing contractor may not have the same types of tools as a typical tradie, there is still plenty of gear to be insured.

A general property insurance policy can protect all of your gear including mowers, edge trimmers, hedge trimmers, mulchers and other equipment.

Your gear can be insured against theft from a secure location, fire and lightening, and damage caused in a vehicle collision or rollover.

Income Protection

Income protection is not technically classed as business insurance, but if you run your own lawn mowing business it is still mighty important.

If you cannot work due to an injury or illness, as a contractor you’re not going to get any sick leave or workers compensation, and you’ll be left without an income.

Income protection can replace up to 75% of your income for a period of time whilst you are unable to work, and as an added bonus the premiums are fully tax deductable.

Lawn Mower

Other Insurance Types

Depending on the size of your business there may be other forms of insurance worth considering.

Insuring your ute or whatever vehicle you use is important, and it’s also important that you let the insurer known that you use the vehicle for a business.

Most lawn mowing contractors operate from home, but if you have your own business premises you’ll need to ensure that the premises are adequately insured.

If you’re unsure whether or not there are any other forms of business insurance you need then it’s worth speaking to an insurance broker who will be able to run through it all with you.

Here at Trade Risk we have a team of insurance professionals who can assist with all forms of lawn mowing insurance.

To get advice on your insurance or just some quotes, please call our office on 1800 808 800 or complete the online quote request via our website.

Tradies Love Trade Risk

In 2017 Trade Risk was awarded a Gold Trusted Service Award for the amazing service we offer to thousands of tradies from around Australia.

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    "I had to follow up trade risk to receive my renewal documents, and then wait 6hrs to talk to someone to follow up receiving my insurance documents a week after it had been paid."
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    "Happy with how easy it was to set up online. Fairly priced."
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    "Friendly and easy to talk to"
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    "I was very disappointed with the way the renewal advice was done. I felt like I was being bullied into making a decision. I requested information regarding the ‘advice’ given re the difference between the old and new policy and why. This did not happen. All I got was the new policy. I did my own research and chose Trade Risk as it was already done. Maybe I’m old school, I still think a phone call is a better option as an initial point of contact and followed up by an email . Thank you"
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    "I still get constant stupid emails asking me to buy their product... I already have"
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    "Apart from delays in finalizing the insurance I was happy with the service"
    AJ Atkins Electrical Pty Ltd ATF AJ Atkins Family Trust | Tradesman Insurance | Limestone Vic 3717
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    ". The service was good. The staff replied promptly to calls and emails /Prices were great."
    Del Romano Electrical Services Pty Ltd ATF | Trade Insurance - Renewal |
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    "We have been with Trade Risk for 3 years and they have always been very easy to deal with. They respond very quickly and provide great customer service."
    Cheynie Shaw | Trade Insurance - Renewal | Melbourne
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    "Always a pleasure to deal with. Been my go to for many years now, will be back again next year"
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    "Friendly and helpful staff were great to work with. Great product and value."
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    "Easy to deal with insurance renewal at a good price"
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    "Very easy to deal with and helpful with all my queries would recommend and very fast service would definitely deal with them again"
    Raymond Mitchell | Tradesman Insurance | Perth
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    "Very efficient and lovely to rtalk to"
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    "All good :)"
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