Horticultural Liability

Liability Insurance

Tailored liability cover for Tree Lopping, Stump Removal, Gardening & Landscaping, and Associated Occupations.

Liability insurance provides protection for you and your assets against legal actions taken by third parties for personal injury and/or property damage following an accident arising out of the conduct of your business. This insurance also protects your legal costs incurred in defending such actions against you.

Terms & Benefits

  • Property damage including overhead wires, underground wires, roofing, shrubbery, gardens, vehicles, fences, etc.
  • Liability for accidents arising out of the use of machinery including cherry pickers, mulchers, stump grinders, bobcats, mowers, chainsaws, etc.
  • Cover is for both public and products liability


  • Goods in care custody & control $100,000
  • Hoists Cranes & Unregistered Vehicles
  • Errors & Omissions (Claims Made) $500,000 - Financial Loss Cover
  • Cover for Fines and Penalties (Claims Made) $2,000,000 - Statutory Liability Cover
  • Liability for employees and principles indemnity for sub-contractors

Pruning/ Lopping Limits

  • Gardening - 5 metres
  • Gardening - 10 metres
  • Tree Felling - Unrestricted Height

Did you know?

  • There are over 5,000 pieces of legislation in this country that carry with them provisions for civil penalties.
  • Civil penalties can easily ruin a business. Occupational Health and Safety fines can be as high as $550,000 for a business
  • Environmental fines can be in excess of $1,000,000


The following publication is our quarterly Newsletter for the Horticultural community

Out on a Limb - Winter 2018

Out on a Limb - Summer 2017


To discuss this further or to obtain an obligation free quotation, please contact:

Email: insure@fitzpatrick.com.au

Phone: 03 8544 1600


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