While people appreciate the difference a beautifully groomed lawn can make to the look of their home, they also often can’t be bothered to keep up with the mowing themselves!
Luckily, that’s where you come in with your lawn-mowing business, taking pride in getting unkempt grass looking its best. While you’re most probably kept busy year-round getting people’s lawns into order, it’s important that you remember to take the time to protect yourself financially with insurance.
Today, we’ll be looking at some of the main insurance policies you should consider with your lawn-mowing business.
1. Public liability insurance
Public liability insurance is designed to protect you financially if you cause damage to property or injury to a third party as a result of your actions at work. It also covers legal costs if you need to hire a lawyer during the claims process. It’s very easy for damage or injury to occur while mowing lawns, from someone tripping over your equipment to a flying rock breaking a window while you’re mowing. For this reason, always ensure you have liability insurance in place!
2. General property insurance
General property insurance protects your transportable items if they’re lost, damaged or stolen. This includes repair or replacement costs. As a lawn mower, you’re required to transport expensive equipment between different jobs which is why general property cover is so important. Not only would it be very inconvenient if something happened to your lawnmower, but it would also be expensive!
3. Personal accident and illness insurance
Personal accident and illness insurance will allow you to continue to receive a portion of your regular income if you’re suddenly unable to work due to injury or illness. You’ll continue to receive payments during the nominated benefit period, which is generally one to two years. When you’re self-employed in your lawn mowing business, you rely on regular work to maintain your income. If you’re unable to work for a period of time, personal accident and illness cover allows you to continue to keep up with payments and maintain your lifestyle while you recover.
4. Workers compensation insurance
Workers compensation insurance means that you’ll be reimbursed for payments, such as wages and medical bills, following a successful workers compensation claim by an employee. This means that both you and your employees are covered financially in this circumstance. Not only does this cover make sense from a practical perspective, it’s also compulsory to have workers compensation insurance in place in Australia. If you have employees working for you in your lawn mowing business, this cover is essential!
GSK Insurance Brokers will take the time to analyse the unique risks facing your lawn mowing business and develop a tailored insurance package according to your needs. We specialise in customised business insurance and your dedicated broker will be available from the initial stages of taking out your policy to providing support at claim time.
For lawn mowing contractor insurance, call GSK Insurance Brokers today at (08) 9478 1933.