Previously Fitzpatrick & Co Insurance Brokers, Aviso Specialty has proudly supported the horticulture, arboriculture and landscaping industries with bespoke insurance solutions for over 20 years.
Some of the common insurance-claim scenarios for the horticulture, arboriculture, and landscaping industries in Australia are:
• Property damage: this can occur from falling tree limbs, equipment damage, fires, or chemical spills. For example, a landscaper might accidentally damage a client’s fence or vehicle while working
• Injury to third parties: if a member of the public trips over equipment left onsite or is injured by a landscaping activity, the landscaper could be liable. Public liability insurance typically covers these incidents
• Professional indemnity claims: these arise when a landscaping project leads to financial loss for a client due to negligence. For instance, if incorrect plant species are used or instructions are not followed properly, resulting in plant loss or construction errors
• Theft of tools and equipment: landscapers often face claims for stolen tools and equipment. Insurance can cover the replacement costs, although not all policies provide full replacement due to depreciation, and
• Environmental damage: claims can also be made for environmental damage, such as chemical spills that harm local flora and fauna. These examples highlight the importance of having comprehensive insurance coverage tailored to the specific risks faced by horticulture, landscaping and arboriculture businesses.
Reduce risk exposure
Those who operate in the industry can take steps to reduce their risk exposure and ensure a safer working environment including:
• Use proper Personal Protective Equipment (PPE): wearing appropriate PPE, such as gloves, safety glasses, ear protection, and sturdy footwear, can help prevent injuries from equipment and chemicals
• Training and education: regular training on equipment use, safety protocols, and emergency procedures can significantly reduce accidents. This includes understanding how to handle chemicals safely and recognising the signs of heatrelated illnesses
• Regular equipment maintenance: keeping tools and machinery in good working order can prevent malfunctions that could lead to injuries. Regular inspections and maintenance are crucial
• Safe handling of chemicals: proper storage, handling, and disposal of chemicals can prevent spills and exposure. Landscapers should follow all safety guidelines and use less-harmful alternatives when possible, and
• Risk assessments: conducting regular risk assessments of job sites to identify potential hazards and implementing measures to mitigate them can help prevent accidents.
By implementing these practices, landscapers can create a safer work environment and reduce their risk exposure.
Bespoke insurance solutions
Aviso Specialty’s national dedicated Horticultural team can provide bespoke insurance solutions, backed by APRAapproved and industry-leading insurers, including:
• Public and products liability
• Personal accident
• Commercial motor
• Business pack
• Professional indemnity
• Tools of trade, and
• Transit and cargo Insurance.
Expert help and advice
Is there a specific area of risk management you’re particularly interested in? Or would you like to discuss your insurance needs with an industry specialist? Contact the Aviso Specialty team to get started. Phone: 1300 509 548 Email: horts@avisospecialty.com.au Website: avisospecialty.com.au