Protecting every part of your business — from your tools to your team
Commercial landscaping goes far beyond lawns and gardens. Many contractors now manage everything from design and construction through to civil works, drainage, and excavation projects.
At Coverforce Complete, we understand the full scope of your operations — whether you’re installing playgrounds, building retaining walls, laying turf, or managing large outdoor developments. Our specialist brokers help ensure you’re properly protected across every aspect of your business.
Comprehensive Cover for the Way you Actually Work
Our insurance solutions reflect the real scope of your operations — not just the obvious parts. From landscaping and excavation to construction and mixed outdoor works, we make sure your policy covers every aspect of what you do.
Your policy can include cover for:
Public & Products Liability
Covers injury or property damage to third parties, including playgrounds, public areas, and civil works sites.
Contract Works / Construction Cover
Protects your projects, materials, and structures from theft, fire, vandalism, or damage during construction.
Plant, Tools & Equipment Insurance
Covers tools and machinery, from hand tools to excavators, for repair, replacement, or theft.
Commercial Motor & Fleet
Insures all work vehicles, including utes, trucks, tippers, and trailers, for damage, theft, and liability.
Civil Works & Drainage Cover
Protects against risks during trenching, excavation, concreting, and other groundworks.
Playground Installation & Surfacing Cover
Covers playground projects and surfacing, including compliance with AS 4685 and public-use liability.
Professional Indemnity
Protects against claims from errors, omissions, or advice in design, project management, or consultancy work.
Workers Compensation & Personal Accident Cover
Covers employees and contractors for injuries or illness while on the job, including medical costs and lost wages.
Are you properly covered for Playground work?
Many landscaping and outdoor contracting businesses take on projects that involve playground components, council upgrades, public-use areas, excavations, surfacing, or small civil works — even if these aren’t your primary services.
What most contractors don’t realise is that standard landscaper policies don’t automatically cover this type of work. And when it involves public access, children, fixed structures or equipment, the liability risk and the insurer’s requirements change significantly.
You don’t need to be a “playground business” to have playground exposure, and many contractors are surprised to discover they’re not covered for jobs involving:
Installing egding, surfacing, synthetic turf or soft-fall
Preparing or modifying sites where play equipment is installed by others
Building retaining walls or draining systems in public access areas
Working in schools, childcare centres, parks or council spaces
Maintaining structures, surfacing or equipment in playground environments
Even if playgrounds make up just a small part of your overall work, you can still be held liable as part of the chain of responsibility. Standard policies may exclude, limit, or void cover unless these activities are specifically disclosed and endorsed.
Why Contractors Choose Coverforce Complete
Because your work is specialised, your insurance should be too — we know how hard you’ve worked to build your business, and we work just as hard to protect it.
We understand the unique risks involved in mixed landscaping and playground contracting.
We identify the exposures standard landscaper insurance often doesn’t cover.
We tailor policies to your operations so you can work with confidence
We work with insurers who understand outdoor construction and public-access environments.
Our in-house claims team supports you when you need it most.
Cover That Grows with Your Business
As your business expands, your risk profile changes. We work to ensure your cover keeps up.
Many clients begin with residential landscaping and grow into:
Playground Installations
Excavation & Drainage
Commercial Landscaping
What our clients are saying...
We would like to extend a thank you to Coverforce and our Account Manager Liam for all your assistance. Liam has demonstrated patience, kindness and efficiency, whilst helping us manage several insurance claims. Liam is always accessible and returns phone calls as soon as he can. He took the time to follow up, clarify the next steps, and ensure we feel informed and confident throughout each stage of the claims process.
Taylor & Doug
As a landscaper, having reliable insurance is non-negotiable — Coverforce made the process straightforward and tailored to our needs. Their team understood exactly what our business does, and they helped us secure the right public liability and tools-of-trade cover. We feel protected and confident. Highly recommended.
John, Ringwood VIC
Growing our landscaping business meant taking on more machinery, more sites, and more staff — but Coverforce scaled with us. Their insurance solutions are flexible, and their service made sure that as we grew, we stayed covered.
Glenn, Fitzroy VIC
We were surprised how much Coverforce helped us save — not just in policy cost but in risk exposure. Their brokers aren’t just selling insurance, they understand the landscaping industry inside-out. We finally feel like our cover matches our real-world exposures.
Bernie, Caloundra QLD
Frequently Asked Questions
Failing to disclose the full scope of your business activities can lead to gaps in coverage, denied claims, or difficulties meeting project and contract requirements. Accurate disclosure ensures your insurance properly protects your operations.
If your work involves both physical installation and safety auditing or certification, it’s highly recommended to hold both types of cover. This ensures you're protected against bodily injury or property damage claims, as well as legal issues arising from professional advice or certifications.
Yes. We can help structure your policy to include subcontractors or advise you on what’s required to ensure your legal and insurance obligations are met.
Even if you only prepare the site, lay edging, install surfacing, or modify the terrain, you can still be held responsible as part of the installation process. We help ensure your policy covers your contribution, even when another contractor installs the equipment.
Yes. Even sole traders and small operators are often required to hold Public Liability or other types of insurance to work on council or school projects, or to meet contract conditions.
No problem, our brokers are here to help. We’ll talk through your services, risks, and clients to recommend the right combination of policies.
Yes, we can arrange short-term or project-specific insurance depending on your needs and the requirements of the job.
Yes, we can arrange cover for tools, machinery, and equipment — whether they're in use, in storage, or in transit.
Ready to Protect Your Full Scope of Work?
Speak to an insurance specialist today.
We can review your current cover, identify gaps, and tailor a solution that protects every project, every site, and every asset.
For more information or to arrange cover, please contact us using the details below or simply fill in a quote form and we will be in touch shortly.
Ryan Fisher
- Phone: 0409 354 458
- Email: Ryan_Fisher@coverforce.com.au
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