Landscaping involves more than plants and turf. From excavation and retaining walls to machinery use and chemical treatments, the risks can be high—and one mistake can mean costly damage or serious injury.
Priority Insurance Brokers specialises in insurance for landscapers across Australia. Whether you’re a sole trader mowing lawns or a commercial team installing outdoor structures, we broker tailored insurance solutions that reflect the real work you do—not just a one-size-fits-all trade policy.
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Professional
tailored advice
Competitively
priced policies
Comprehensive
cover options
Most Dedicated Business Insurance Broker 2023
QLD 2023 Top Insurance Broker Finalist
Peoples Choice 2023 Winner
Fast Starter Award 2023
QLD Top Insurance Broker Finalist 2022 Finalist
QLD 2022 Top Insurance Broker Finalist
Top Thought Leader 2022 Winner
A properly structured policy protects your tools, income and reputation. Our brokers help you compare coverage that fits the specific services you provide, whether that’s residential maintenance or commercial landscape construction.
Critical protection if a client or third party is injured, or property is damaged while you're on site.
Covers theft or damage to hand tools, ride-on mowers, line trimmers, trailers and more.
Protects your utes, trucks or vans used to transport staff and gear.
For excavators, trenchers or bobcats used on large landscaping projects.
Ideal for landscaping construction, retaining walls, outdoor structures or site works.
Protects against overspray damage or chemical drift if you use herbicides or pesticides.
Covers income loss following insured events that prevent you from working.
Important if your landscaping service includes garden planning, structural design or project consulting.
What you need to know about
Not all landscaping policies are built the same. We’ve seen contractors caught out by exclusions, depth limits, or undeclared risks. That’s why we work closely with you to ensure your coverage actually fits.
Policies can include exclusions like:
Landscaping construction—such as concreting, decking, or retaining walls—often requires a more detailed policy. Without declaring this type of work, you may be left without cover at claim time.
We help you identify the right policy structure and declare the full scope of your activities, so there are no surprises.
Need a Broker who can assist with your landscaping insurance? We've got you covered.
Working all day and then coming home to do admin work of a night time doesn’t sound fun at all. This is why we have simplified our process as much as possible. With a strong knowledge of the landscaping and construction industry you can talk to us without having to explain every little thing about your business.
Simple, straight forward and fully managed landscaping insurance policies.
Landscaping and exterior construction come with complex insurance requirements—and missing even one detail can void your cover. These are the risks we commonly see overlooked in generic policies:
Landscapers using dingo diggers, trenchers or bobcats may unknowingly exceed policy depth limits. Public liability insurance often includes strict conditions like a 1.5m or 3m excavation depth cap. Anything beyond that—such as footings for retaining walls or deep drainage installation—requires specialist endorsement. We help you flag this early and choose policies with appropriate depth limits or none at all.
Jobs that involve retaining wall removal, tree root disturbance, site clearance, or ground levelling can affect adjacent structures. Many insurers exclude cover for ‘weakening or removal of support’—a clause buried deep in the wording. If your work includes removing stumps, excavating near buildings, or altering drainage flow, you need a policy that doesn’t quietly rule it out.
Subcontracting is common in landscaping, particularly on commercial or staged construction jobs. But insurers often exclude liability for uninsured or undeclared subcontractors. If your policy doesn’t name them, you may be fully liable for any damage they cause. We ensure you understand when subcontractors need their own cover, when they can be added to your policy, and how to structure this for ongoing compliance.
If you operate ride-on mowers, stump grinders, trenchers, or bobcats—especially on hire—you need specific plant and equipment insurance. Many landscapers mistakenly believe these tools are covered under general property insurance. They’re not. Worse, if the machinery is dry hired (rented out without an operator), most standard policies exclude cover entirely unless specifically noted. We guide you through the proper declarations and hire agreements to ensure you’re protected both ways.
If you provide landscape plans, outdoor structures, certification, or project management whether formal or informal you could be exposed to professional indemnity claims. Many landscapers don’t realise this risk applies even when giving ‘helpful suggestions’ on drainage or slope design. If your advice leads to a loss or structural issue, and you’re not covered by professional indemnity insurance, you may be personally liable. We help identify when this coverage is needed even for part-time consulting.
We don’t just find you a policy—we manage your risk, your renewals and your claims from end to end. Landscapers face a mix of property, personal liability and subcontractor exposures, so getting insurance right means working with someone who knows the trade, not a generic call centre.
You won’t be handed around. When you work with Priority IB, you deal with one broker who learns your business and stays with you. That means faster answers, better advice and policies that reflect how your work changes over time.
We don't believe in overinsurance. We’ll show you where you're genuinely exposed and where you’re not—so your cover stays efficient and lean. If you're running crews across sites or dry hiring machinery, we’ll map the risks and help you keep premiums manageable.
We don't disappear after you sign. If you need to make a claim, we deal with the insurer on your behalf and push to get it paid. We also handle mid-term updates when you add new vehicles, gear or subcontractors.
Whether you're a one-person operation or managing a team of 10, your insurance should reflect how you actually work. We take the time to understand your plant, chemical use, excavation work and project scope—then match you with the right insurer and structure.
This is the cornerstone of any landscaping insurance package. It covers you if a client, bystander or third party is injured, or if property is damaged because of your work. Claims we regularly see include damage to underground utilities, broken windows from flying debris, and injuries caused by machinery use or trip hazards left onsite. If you’re working near homes, schools or commercial properties, this cover is non-negotiable.
This includes protection for your tools, trailers, and mobile equipment. Theft from job sites and utes is common—especially mowers, trimmers, saws and hand tools. With general property cover, you won’t be left out of pocket or stuck replacing gear before the next job.
If you’re offering any form of advice, landscape design, project management or structural recommendations (like drainage, retaining walls or plant selection based on slope and soil), you may be liable if something goes wrong. This cover protects you against claims of professional negligence—even if the advice was verbal or part of a free quote.
If you’re offering any form of advice, landscape design, project management or structural recommendations (like drainage, retaining walls or plant selection based on slope and soil), you may be liable if something goes wrong. This cover protects you against claims of professional negligence—even if the advice was verbal or part of a free quote.
Yes, if your occupation is just listed as a landscaper then the insurer assumes that the work you are doing is general landscaping activities.
Landscape construction is for any form of construction type activities that you are doing. For example, retaining walls is a common form of construction.
Only if the policy is set up correctly. Many insurers exclude subcontractor-related claims unless those subcontractors are declared or have their own cover. If you’re using casual labourers, plant operators, or subcontracted trades, you need to manage this carefully. We’ll guide you through the right structure so you’re not left exposed to claims caused by others.
You’ll need chemical application liability. Overspray, drift, or contamination from herbicides, pesticides or fertilisers can lead to serious third-party claims — especially near sensitive sites like schools, parks or waterways. Many online policies exclude this by default. We help you find cover that includes it, or build it in as part of your package.
Yes — but dry hire (where machinery is hired without an operator) comes with added risk. If you hire out machines like trenchers or bobcats, you’ll need specific endorsements to stay covered. Likewise, if you rent machinery from others, we’ll help you confirm if you’re liable for damage — and how to cover that risk correctly. Never assume hire company insurance will protect you.
Tool cover applies to small gear like blowers, hand tools, mowers, and trimmers — usually under $5,000 in value. Plant and equipment insurance covers larger, high-value items like skid steers, excavators, trenchers or mini-loaders. Both types are essential for landscapers, and we often combine them in a single tailored policy to avoid gaps or overlaps.
Because landscapers face real-world risks that generic policies don’t account for. We’ve seen online policies exclude critical exposures like excavation, tree removal or chemical use — all without the client realising. With Priority IB, you get a dedicated broker who knows the industry, reads the fine print, and works for you. We’re also multi-award-winning, part of the Steadfast network, and backed by over 100 five-star reviews across Google, Advisr and ProductReview.
Yes — we support landscapers across all major Australian cities and regional areas. Infact we have insurance brokers all over Australia.
Whether you’re working in Sydney, Melbourne, Adelaide, Perth, Brisbane or beyond, our remote systems and dedicated advisors make the process easy. We’ve placed policies for landscape contractors nationwide — from CBD garden teams to rural siteworks operators.
You can. We offer monthly premium funding options through our trusted finance partners, so you can manage cash flow without compromising cover. We’ll explain all fees transparently and ensure the option you choose makes sense for your business.
Simple — you call us. No call centres, no being passed around. Your dedicated Priority IB broker handles the entire process from start to finish, working directly with the insurer and keeping you in the loop. This is where our hands-on service and industry reputation make a real difference.
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As Priority Insurance Brokers | ABN 95 655 563 616 | ACN 655 563 616 | CAR
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