Horticultural Industry

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.

Online Application

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

Extensions

• Goods in care custody & control $100,000
• Hoists Cranes & Unregistered Vehicles
• Errors & Omissions (Claims Made) $250,000 - Financial Loss Cover
• Cover for Fines and Penalties (Claims Made) $1,000,000 - 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

Claims Made:

The Errors & Omissions & Statutory Liability extensions on the policy are claims made contracts which means that claims first advised to you (or made against you ) and reported to your insurer during the period of insurance are covered irrespective of when the incident causing the claim occurred . (Subject to retroactive date)

Therefore it is imperative you notify of any incident or circumstance that may give rise to a claim immediately you become aware of during the policy period.

Statutory Liability Extension Horticulturists Programme

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