Landscaping Insurance Solutions We Can Provide You

As a professional insurance broking company dedicated to serving the needs of landscapers, Midland Insurance has been the preferred insurance partner of The Landscape Association and The Landscape Design Institute since 2002.

We understand the unique challenges and risks faced by individuals and businesses in the landscaping and horticulture industries. That's why we have developed a range of tailored and competitive insurance policies to cater to members and non-members alike.

Who is Getting Landscapers and Horticulture Insurance?

In 2022, landscaping services in Australia grew by an astonishing 14%. That’s 14 percent more businesses that need landscaping insurance. Below, we'll provide an overview of horticulture and landscapers insurance and its roles in protecting your business.

The main reasons to get professional indemnity insurance for your landscape or horticulture business are:

Tailored coverage options for landscape / horticulture businesses
Specialised protection against industry-specific risks
Mitigating financial risks and losses
Ensuring the continuity of your landscape / horticulture operations
Protecting your assets, inventory, and equipment

Horticulture vs. Landscaping - What's the Difference?

Horticulture and landscaping are closely related fields involving working with plants, but they have distinct differences in focus and scope. Understanding these differences clarifies the roles and responsibilities of professionals in each field.


Definition: The science and art of cultivating, managing, and studying plants.


  • Plant Propagation: Techniques for breeding, propagating, and multiplying plants.
  • Plant Production: Growing plants for various purposes (food, ornamental, medicinal, landscaping).
  • Crop Management: Optimising plant health, nutrition, irrigation, pest, and disease management.
  • Research and Development: Advancing plant breeding, cultivation techniques, and sustainable practices.
  • Marketing and Sales: Distributing horticultural products.

Definition: Designing, installing, and maintaining outdoor spaces for aesthetic appeal and functionality.


  • Landscape Design: Planning outdoor spaces considering preferences, needs, and environment.
  • Plant Selection and Placement: Choosing plants based on aesthetics, growth habits, and suitability.
  • Hardscape Installation: Incorporating non-plant elements like pathways, patios, fences, and water features.
  • Landscape Maintenance: Ongoing care and upkeep, including pruning, watering, fertilising, and pest control.
  • Environmental Considerations: Promoting sustainability, water conservation, native plants, and eco-friendly practices.

Tailored Landscaping and Horticulture Business Insurance Packages

At Midland Insurance, we believe in providing comprehensive coverage that suits your specific business needs. Whether you work directly with clients, use trade tools and machinery, operate from a physical location, or rely heavily on the internet and data storage, we have the expertise to protect you.

Essential Coverage Options in Landscape and Horticulture Insurance

These are the key coverage options available in horticulture insurance to safeguard your business.

1. Property Coverage: Safeguarding Your Assets

  • Protection for buildings, greenhouses, and structures
  • Coverage for specialised equipment and tools
  • Insuring your stock and inventory against risks

2. General Liability: Peace of Mind for Your Business

  • Coverage for bodily injury and medical expenses
  • Protection against property damage claims
  • Products liability coverage for horticultural products

3. Crop Insurance: Preserving Your Harvest

  • Coverage for crop loss due to weather, pests, or diseases
  • Business interruption coverage for horticulture operations
  • Ensuring continuity in case of unforeseen events

4. Business Auto Insurance: On the Road to Success

  • Coverage for vehicles used in your horticulture business
  • Protection against accidents, property damage, and liabilities
  • Ensuring seamless transportation of your products and equipment

5. Workers Compensation: Caring for Your Employees

  • Mandatory coverage for employees' medical expenses and lost wages
  • Protection against legal liabilities arising from workplace injuries
  • Demonstrating your commitment to a safe work environment

6. Professional Liability: Expertise and Peace of Mind

  • Coverage for errors, omissions, and negligence in professional services
  • Protecting your reputation and financial well-being
  • Assurance for horticultural advice, consulting, and design services

Do You Really Need Landscaper Insurance?

If you run a landscaping business, you know the importance of protecting yourself, your assets, and your clients. At Midland Insurance, we've assisted countless landscaping businesses - from one-person start-ups to established companies - in finding the right insurance coverage.

To help you make an informed decision, let's explore the types of insurance landscapers commonly needed.

Public Liability Insurance

Public liability insurance is the cornerstone of protection for any landscaping or gardening business. It covers you if you or your employees cause property damage or personal injury to a third party due to negligence. 

Providing accurate information about your work activities is crucial to ensure that your policy adequately covers you. Some important considerations include:

  • Tree Lopping: Check height limits specified in policies, as some may restrict lopping beyond a certain height.
  • Excavation: Verify policy limitations on excavation depth, as some policies may impose shallow limits.

Additional Activities: Inform us about any activities outside the scope of traditional landscaping to ensure proper coverage.

Professional Indemnity Insurance

This covers any legal costs arising from negligence or errors in landscaping projects. These errors include loss of plants, inadequate drainage in design plans, or failure to communicate construction instructions properly. Landscape design insurance protects you from these issues.

Tool Insurance

Landscapers rely on various equipment, including power tools, to perform their work effectively. Insuring your tools is a cost-effective and straightforward process. Tool insurance policies typically cover damage caused by fire, vehicle accidents, theft involving forced or violent entry, or rollovers. Theft coverage is particularly important for landscapers, given the value of their tools.

Plant and Machinery Insurance

Larger equipment, such as excavators, requires specialised coverage beyond standard tool insurance. Plant and machinery insurance safeguard these valuable assets against various risks, providing peace of mind.

Personal Accident Insurance

Landscaping is physically demanding work, and injuries can happen. Personal accident insurance covers a significant percentage of your income if you cannot work due to injury or sickness. It can be customised to cover injuries at work or injuries that occur at any time.

Workers' Compensation Insurance

Workers' compensation insurance requirements vary depending on the state where your business operates. We strongly recommend checking with your state authority to understand the specific obligations applicable to your business.

Management Liability Insurance

Management liability insurance protects the directors, officers, and managers of your landscaping business against claims of wrongful acts during their duties. This includes allegations of breaches of duty, negligence, or employment-related issues. It helps safeguard your assets and provides coverage for legal defence costs.

Business Interruption Insurance

Unforeseen events, such as natural disasters or fires, can disrupt your landscaping business operations and result in financial losses. Business interruption insurance covers the loss of income and ongoing expenses during the period of interruption, helping you stay afloat and recover more quickly.

Builders' Warranty Insurance

Builders' warranty insurance is essential if your landscaping business involves constructing or installing structures, such as retaining walls or water features. It provides coverage for defective or incomplete work and protects against potential claims from clients.

Trade Debtors Insurance

Trade debtors insurance (or credit insurance) protects your business against client non-payment or insolvency. It ensures that you receive payment for the work you've completed, even if your clients can't pay.

Choosing the Right Gardening Insurance Coverage

When selecting insurance coverage for your gardening business, assessing your specific needs and risks is important. Consider factors such as the size of your business, the types of services you provide, the value of your equipment and assets, and the level of public interaction involved in your work.

Consulting with an experienced insurance broker, like Midland Insurance, can help you understand your options and select the most appropriate coverage for your business.

At Midland Insurance, we work closely with landscapers to provide tailored insurance packages that meet their unique requirements. Our dedicated professionals can guide you through the insurance process, help you understand policy terms and conditions, and ensure you have the right level of coverage to protect your business.

What Insurance Does a Self-Employed Gardener Need?

A self-employed gardener should have both landscapers' and gardeners' insurance to protect their business. While coverage may overlap, these insurance types address different risks associated with the work performed.

Landscapers Insurance

  • Covers landscape design, installation, and maintenance.
  • Provides general liability, property coverage, equipment coverage, and commercial auto insurance.

Gardeners Insurance

  • Specifically for gardening services like planting, pruning, and lawn care.
  • Includes general liability, tools and equipment coverage, personal injury, and business property coverage.

To determine the most suitable coverage, self-employed gardeners must assess their business activities and risks. Consulting with an insurance professional experienced in the industry can help select the right policies to protect their specific needs and liabilities.

Why You Should Choose Midland Insurance

By choosing Midland Insurance as your landscape insurance or horticulture insurance provider, you receive several benefits, including the following.

Specialised Expertise

Our deep understanding of the landscaping and horticulture industry allows us to identify and address the specific risks faced by your business. We have a proven track record of providing insurance solutions to horticulturists, nursery owners, greenhouse operators, landscapers, and landscape designers.

  • Our team of insurance brokers with industry knowledge
  • Expert guidance to assess your risks and coverage needs
  • Ongoing support and proactive risk management strategies

Tailored Coverage

We believe in providing customised insurance policies to suit your unique requirements. Our team works closely with you to determine your necessary coverage, ensuring that all aspects of your landscaping or horticulture business are protected, from property and equipment to inventory and liability.

  • Many years of expertise in the landscape, landscape design and horticulture industries
  • Customised insurance policies to suit your specific requirements
  • Comprehensive coverage options for all aspects of your business

Outstanding Customer Service

At Midland Insurance, we pride ourselves on customer satisfaction. Our dedicated team of insurance professionals is committed to providing exceptional customer service. We're here to answer your questions, address your concerns, and assist you throughout the insurance process, from quote to claim.

  • Efficient and seamless claims handling process
  • Dedicated support from our claims specialists
  • Timely resolution of claims to minimise business disruptions

Comprehensive Protection

We offer comprehensive coverage options designed specifically for landscaping and horticulture businesses. We have you covered whether you need protection against property damage, liability claims, crop loss, business interruption, or professional liabilities.

  • Affordable insurance solutions tailored to your budget
  • Options for flexible payment plans
  • Maximising value without compromising on coverage
Risk Management Support
Besides insurance coverage, we can provide valuable risk management guidance to help you minimise potential risks and protect your business. Our team can offer insights and recommendations on safety protocols, loss prevention measures, and best practices in the landscaping and horticulture industry.

Get in Touch with Midland Insurance

As a professional landscaper or horticulture professional, you have invested time, effort, and passion into building a successful business. Protect your green thumb enterprise with profession specific insurance from Midland.

Don't wait until an unfortunate event jeopardises your business - take the proactive step of securing insurance from Midland Insurance today. Our tailored coverage options, experienced team, and exceptional customer service make us the ideal insurance partner for your landscape or horticulture business.

Request a quote and discover the peace of mind that comes with knowing your business is protected by a trusted insurance partner.

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ABN 81 006 528 329 AFSL 238963
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