Aviso Specialty (formerly Fitzpatrick & Co) have been arranging insurance for the Horticulture industry for over 20 years. They have exclusive arrangements with many of Australia’s leading insurers.

Our refreshed approach:

Combining experience, professionalism and deep industry knowledge, we are excited to launch our new brand Hort Protect, our new brand for the horticulture industry. Hort Protect’s mission statement is to enhance coverage for our busy horticulture clients and streamline the insurance process.

Meet the team:

In the upcoming editions, we will be introducing the dedicated team behind Hort Protect, our specialized insurance service team for the horticulture industry.

In focus: Professional Indemnity & Public Liability Insurance:

Navigating the complexities of the horticulture industry requires a strong foundation of expertise and advice. As such, having the right insurance coverage is vital to safeguarding your business and its operations. The below information provides an overview of professional indemnity and public liability insurance – detailing the potential risks and benefits that come with securing these policies for your horticultural business in Australia.

Professional Indemnity

In the horticulture industry, where expertise and advice are crucial to the success of clients’ projects, professional indemnity insurance becomes an indispensable safeguard. The following information highlights the potential risks and liabilities associated with running a horticultural business in Australia and explores the benefits of obtaining a professional indemnity policy for your business.

The benefits of Professional Indemnity Insurance

Financial Protection: This insurance provides financial coverage for legal costs and compensation claims, protecting the business’s assets and ensuring its sustainability.

Enhanced Credibility: Having professional indemnity insurance can enhance a business’s credibility and reassure clients that they are working with a responsible and trustworthy professional.

Risk Management: The process of obtaining insurance often involves a review of business practices, which can help identify and mitigate potential risks.

Peace of Mind: Knowing that they are protected against unforeseen claims allows horticulture professionals to focus on delivering quality services without the constant worry of potential liabilities.

Public Liability

Public liability insurance in the horticulture industry, primarily protects businesses against claims made by third parties for personal injury or property damage that occurs, as a result of the business’s operations. This can include a wide range of scenarios, such as:

Injury to Visitors: If a visitor to a horticultural site, such as a farm or garden centre, suffers an injury due to unsafe conditions, such as slippery surfaces or falling objects, public liability insurance can cover legal costs and compensation claims.

Damage to Property: If horticultural activities inadvertently cause damage to a third party’s property, such as a neighbour’s fence or vehicle, public liability insurance can help cover the costs associated with repairs or replacement.

Additional Classes of Insurance

In addition to Professional Indemnity & Public Liability insurance, Aviso Specialty can arrange the following:

Contact the team to see if these products are right for you and to obtain a copy of the Product Disclosure Statement (PDS) before making a decision about these products.

Contact Aviso Specialty:

Phone: 1300 509 548

Email: horts@avisospecialty.com.au

Website: www.avisospecialty.com.au

Disclaimer: Terms, conditions, limits and exclusions apply. The information provided here is general advice only and has been prepared without considering your objectives, financial situation or needs.

Image Credit: monkeybusinessimages