🌿Trades & Contractors

Public Liability Insurance for Landscapers

Landscaping work involves heavy machinery, tree work, and working on residential and commercial properties. Our landscapers insurance protects against injury claims, property damage, and tree-related incidents.

✅ ICNZ Fair Code🔒 Licensed NZ Brokers💰 From $600💡 Free Expert Advice✓ No Obligation

✅ What's Covered for Landscapers in NZ

Third-party injury from lawnmowers or equipment

Tree damage liability (excluding tree surgery)

Damage to underground services you uncover

Property damage from landscaping equipment

Legal costs for defending injury claims

Bystander injury from flying debris

Damage to adjacent properties during work

Typical NZ Premium

$600 – $1,400/year

Cover limits: $1M, $2M or $5M

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⚠️ Key Risks Facing Landscapers in NZ

Without public liability insurance, a single claim could threaten your livelihood. These are the risks most commonly faced by landscapers in New Zealand:

01Injury from lawnmowers and ride-on equipment

02Falling trees or branches damaging property

03Damage to underground services (pipes, cables)

04Injury to bystanders from flying debris

05Back and joint injuries from manual labour

06Property damage from equipment or vehicles

07Damage to client plants or fencing during work

08Chemical exposure from pesticides or fertilisers

Frequently Asked Questions

Does the cover include tree removal?

Basic public liability covers damage your equipment causes. However, tree felling is higher risk and may need specialist tree surgery insurance. Discuss with your insurer.

What if I damage a power line or underground cable?

You're liable. Public liability covers damage you cause to third-party services. Always call Before You Dig (0800 208 696) before digging to check service locations.

Am I covered if a client's child is injured by a lawnmower?

Yes. Injury to third parties (including children) caused by your equipment or work is covered. This is exactly what public liability is designed for.

Does the cover extend to pesticide or fertiliser claims?

Standard public liability covers injury or property damage. Claims for crop failure or environmental damage may not be included. Discuss chemical work with your insurer.