Compare business insurance quotes with Savvy to find the best policy for your lawn mowing business
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Lawn mowing can be a great way to earn an income, either as a full-time business or a part-time second job. It may sound like a simple way to earn money, but there’s plenty that can go wrong if you run a lawn mowing business. From dog bites to the risk of gardening equipment theft and stones flying up and causing injury to bystanders or damage to property, there are many situations where you need good business insurance to protect you in case a claim is made against you.
You can compare quotes for many types of business insurance here with Savvy. Just answer a few simple questions about your lawn mowing business and the insurance you need and you’ll have multiple quotes from a range of respected insurers to compare instantly. Use our quick and easy comparison service to make sure you get the best-value insurance for your mowing or gardening business today.
There are several types of business insurance you should consider if you run a lawn mowing business.
Public liability insurance
Public liability insurance is essential for anyone who runs a business which brings them into contact with members of the public or other people’s property. This insurance can cover you against claims that your business activity caused injury to a member of the public, or damaged their property. This insurance can offer between $5 million and $20 million worth of coverage.
General business insurance
General business insurance may also be worthwhile to protect your gardening tools and portable equipment, such as your ride-on mower, edge and hedge trimmers and leaf blowers. Business equipment insurance is available as part of your general business insurance bundle and can provide cover for your tools as long as they are securely locked at night to protect them from theft.
What it covers:
The most common general exclusions include:
There is no set cost for an insurance policy, as each applicant is different and faces unique risks. Many factors influence the cost of business insurance, including the following:
The main factor which will affect the cost of your insurance is the industry you’re in. All businesses in Australia are classified according to the risk their industry poses, and are allocated a risk ratio. These ratios are used by insurers to calculate the comparative risk of any one business compared to another.
However, because location also plays a part in the cost of insurance, how much you’ll pay will also depend on where you live. If you’re looking for a better idea of how much your policy may cost, you can compare a range of quotes through Savvy.
Lawn mowing and gardening may seem like a simple task, but there are many risks to consider and things that could potentially go wrong. For example:
These and many more accidents could prove to be costly if you don’t have adequate business insurance. In many of these instances, you can be held personally liable for the damage, injury, loss or expense caused by the accident, just as tradies and handymen are also held responsible for the work they do.
Such personal injury or damage claims can run into millions of dollars, which is why it’s so vitally important to have adequate insurance to give you cover in the event an unfortunate covered incident does take place. Public liability insurance is there to protect you and your business so you can continue being out in the sunshine mowing lawns for years to come.
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Disclaimer:
Savvy is partnered with BizCover Pty Ltd (ABN 68 127 707 975, AFSL 501769) to provide readers with a variety of business insurance policies to compare. Savvy earns a commission from BizCover each time a customer buys a business insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via BizCover.
Savvy does not compare all business insurance policies or providers currently operating in the market. Any advice presented above or on other pages is general in nature and doesn’t consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.
For any further information on the variety of insurers compared by BizCover or how their business works, you can read their Financial Services Guide.
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© Copyright 2024 Quantum Savvy Pty Ltd T/as Savvy. All Rights Reserved.
Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.
We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.
For more information about us and how we conduct our business, you can read our privacy policy and terms of use.
