Insurance for Landscaping Services
Do Landscapers Need Insurance?
Have you found yourself pondering questions like: do I need insurance to mow lawns? What’s the cost of landscaping business insurance? What kind of insurance do landscapers need? Do arborists need insurance? Where can I find insurance for landscaping services? If you’ve thought of these questions (and probably many more), you’re on the right track! The protection that comes in the form of a comprehensive insurance policy for landscape services can be the difference between your business’s success and failure.
Having the proper insurance protection in place means that when unforeseen disasters strike, you’ll have a partner in facing any resulting damages. From service failures and injury fees to liability and legal costs, insurance for landscapers provides the coverage you need to avoid paying for everything out of pocket. And it’s not only the large landscaping companies who need insurance. Independent workers who do even one landscaping service such as mowing lawns, trimming trees, installing yard drainage, creating landscape designs, etc. can benefit from insurance coverage just as much.
What Does Landscaping Insurance Cover?
Each plan is unique, but most landscaping insurance policies will include some or all of the following landscape-specific insurance products:
Equipment breakdown insurance: Landscaping services of all types rely on equipment to provide the services you’ve promised. If your equipment breaks down, insurance coverage reimburses you for the repair or replacement of equipment, as well as loss of wages while you cannot perform your landscaping duties.
Inland marine insurance: As a landscaper, you have to move constantly from job to job, which means that you’re transporting equipment, supplies, and tools from worksite to worksite. This insurance product protects you against any damages or theft that occur while in transit.
Property damage: Your most prized property is likely your tools, equipment, vehicles, supplies, signage, and other such business items. Property damage insurance covers you financially for the loss of any property from events such as fire, theft, natural disasters, vandalism, and the like.
Landscape company workers’ compensation: If you have employees besides yourself, having workers’ comp is a must. This insurance product reduces the high costs of potential claims related to job site accidents, slips, heat exhaustion, cold exposure, cuts, falls, repetitive motion injuries, broken bones, sprains, lost wages, and so on.
Commercial auto insurance for landscapers: Anytime you or your employees drive to a worksite, either in a work vehicle or a personal vehicle, accidents can occur. A commercial auto plan will cover any costs for accidents and insurance claims related to any kind of vehicle issue while using a vehicle for work.
Landscaping pollution liability insurance: If there are any pesticides, fertilizers, herbicides, or any other chemical that you apply which pollutes the surrounding environment, you will be held liable for the cleanup and resulting harm. Pollution liability helps reduce related harm and costs.
Insurance for theft and cybercrime: As a landscaper, you may use online databases or emails to provide quotes, schedule appointments, and store or use client billing information. This exposes you to cybercrime risks. Similarly, you face risks onsite like employee dishonesty and theft related to leaving a job site unattended. Having financial protection against such travesties can set you up for success.
Landscaping Insurance Near Me
As a landscaper, you face any number of risks and threats to your financial security on a daily basis. Whether you own a large, commercial landscaping company or are a one-man-mow-show, you face unique liabilities that can break or break your business if you are missing proper insurance coverage. Liability from environmental pollution, employee injury, site theft, equipment breakdown, and many other disasters can strike, so it’s vital that you’re protected from any resulting losses. Business Insurance Center is here to provide you with customized, affordable landscaping insurance that gives you protection where it counts!