Public liability insurance for a lawn and garden business in Australia

G'day everyone,

If you didn't know already, last year we spent a lot of time and effort, working really hard to get our members the best public liability insurance specifically designed for lawn mowing and gardening businesses.

We managed to secure an excellent deal with a great company and a dedicated broker for the Lawn and Garden Group.

Now we work closely with WTW Insurance to offer members public liability insurance with low premiums and only $100 excess on property damage. This is exclusive to Lawn and Garden Gold members. Most other insurers offer excess around $500, so when it comes to making a claim on a broken window for example, most of the time it's not worth it. 

We all know broken windows are part of the business when you're mowing lawns day in and day out, it happens, and unfortunately we just have to cop it, get it fixed, and make sure the customer is happy. At least if the excess is only $100 we don't lose all our profit for the day.

Windows are on the low end of the scale, imagine if you flicked a rock into someones eye, you must be covered.

Public Liability Insurance

For Lawn and Garden Group Gold Members

Who are WTW?

WTW is an insurance broker with a mission to deliver the best outcomes for you through our specialist expertise, and by mobilising WTW’s extensive relationships with insurers. With roots dating to 1828, WTW has 45,000 employees serving clients in more than 140 countries and markets. Our dedicated network of brokers ensures we can provide the right solution for you and your business.

What is public liability insurance?

Public liability insurance was developed to protect business owners and operators from the financial consequences of certain events that can happen in the course of running a business. Subject to the terms of the policy, underwriters will pay to or on behalf of the insured all claims which the insured shall become legally liable to pay (e.g. a mower hits a rock damaging a homeowners window).

Why does my business need public liability insurance?

Public liability insurance should be held by any sole trader, partnership or company that has a potential exposure to property damage and/or personal injury and for many businesses, public liability insurance is mandatory. Anyone seeking to operate a business of any kind should have the right level of Public Liability insurance in place prior to opening their doors.

How does WTW work with Lawn & Garden Group members?

Chris Russell, WTW’s dedicated broker for Lawn & Garden Group members, works closely with you to identify the risks associated with your business. WTW provides members with competitive premiums and access to global insurers and the Lloyds market with fast claims handling, ensuring your business receives the best coverage and efficient service. As our valued client, WTW is committed to providing you and your business with relevant and helpful information to deliver the best outcomes.

Public Liability Insurance

Working with Chris Russell from WTW

As an insurance broker, WTW’s mission is to deliver the best outcomes for you through our specialist expertise, and by mobilising WTW’s extensive relationships with insurers.

Chris Russell, Lawn and Garden Group’s dedicated account manager, is here to protect your business through Public Liability insurance available to Lawn & Garden Group Gold members. With a background in trade, Chris knows the importance of public liability insurance in the operation of your business.

Q&A – Get to know Chris

As your primary point of contact for all your insurance needs, we asked Chris some questions so you can get to know a little bit about him and how he works with members.

Q: What career did you have before you pursued insurance?

A: Prior to working in the insurance industry, I was a tradie. I worked for several years as a fully qualified Cabinet Maker.

Q: How long have you worked in the insurance industry?

A: I have worked in the insurance industry for over 15 years.

Q: How do you work with members to make sure their business is covered?

A: As a dedicated broker, I provide members with advice around the insurance coverage and possible scenarios that may arise in your business. I work closely with my colleague at WTW, Suzannah Collins, to ensure we provide a speedy turnaround for Lawn & Garden Group members.

Q: Tell us something interesting about yourself.

A: Aside from being a broker, I rate myself as a very handy home cook – the unofficial master of cooking chicken perfect every time!

Public Liability Insurance

Public Liability Insurance – What is it and why do I need it?

Public liability insurance was developed to protect business owners and operators from the financial consequences of certain events that can happen in the course of running a business. Subject to the terms of the policy, underwriters will pay to or on behalf of the insured all claims which the insured shall become legally liable to pay.

Compensation can include claimant’s costs and expenses related to personal injury and/or property damage first happening during the period of insurance. Importantly, the claim must have resulted directly in connection with the insured’s business. These events can come in many different forms, including damage to your client’s or another person’s property and death or bodily injury of your client or other person.

Why does my business need it?

Public liability insurance should be held by any sole trader, partnership or company that has a potential exposure to property damage and/or personal injury and for many businesses, public liability insurance is mandatory.

This might be required for certain commercial clients who insist on seeing evidence of your insurance before they are allowed onto their site. Anyone seeking to operate a business of any kind should have the right level of Public Liability insurance in place prior to opening their doors.

Why take out Public Liability Insurance with WTW?

+ Competitive premiums

+ Low excess (Gold members)

+ Bespoke wording

+ Access to global insurers and the Lloyds market

+ Dedicated account manager

+ Fast claims handling

If you want to take up this offer you must be a current Lawn and Garden Group Gold member, being a Gold member comes with many other benefits. 

You can find out more here: LAWN AND GARDEN GROUP GOLD MEMBER