Working in the landscape industry you know that hard work, careful planning, and dependable upkeep are required to provide clients with beautiful outdoor environments and the exteriors they want for their homes and businesses. From single-operator landscapers and local lawn-care contractors to large-scale landscape, construction, and maintenance businesses, landscaping insurance is the key to protection from the unique risks and potential pitfalls specific to your industry.
Let us find you the best rates on customized coverage suited the specifics of your landscaping operation, so you can concentrate on running your business.
As with any other business, there are certain types of basic coverage that you will not want to overlook. The main types of Landscapers Insurance that you will need to include in your policy are:
Every landscaping job has its own set of tools, its own skill set, and its own potential risks and liability exposure. Understanding what they are, and ensuring you, your business, and your employees are covered is the reason general liability insurance is a must for every landscaper. Make sure that you’re protected against potential liabilities due to injury to your customers– or damage to their property. Examples of potential liabilities for landscapers include:
As a landscaper, you are responsible for properly managing pollution risks on your client’s property. Pollution Liability Insurance goes above and beyond any general liabilities to specifically protect your landscaping business from risks to the environment, and helps you protect your work sites from any potential damage from pollutants. Examples of pollution risks faced by landscaping contractors include:
You need to be able to travel quickly and efficiently from job to job, and site to site, so you can get to work building and maintaining your clients’ outdoor spaces. Commercial vehicle coverage will protect you on the road to and from any contract, no matter where your work brings you.
Remember personal auto insurance, regardless of if you use a car, truck or van, will not cover you if you are involved in an accident or breakdown while on the job.
Whatever job you are on, and no matter what tools and equipment it requires, make sure your gear and location are protected with property insurance that fits your specific needs. Your property insurance should at minimum cover any shop or facility you use as part of your work, as well as your resources, supplies, and equipment.
No matter what kind of landscaping or outdoor contracting you do, any equipment that you use on premises is a vital part of your work. Equipment Breakdown insurance protects the equipment you need to run your business from various external and unavoidable issues that could stop you from completing a contract or prevent you from working. Customized to suit the specifics of your landscaping business, equipment Breakdown insurance can cover:
Protect your tools, equipment, and other supplies from more than just breakdown; your coverage can also extend to loss or theft. Landscaper’s insurance guarantees that you do not end up out-of-pocket when you are required to replace lawnmowers, chainsaws, blowers, and all other equipment that you include in your day to day landscaping work.
Mitchell & Whale Insurance Brokers was recently voted #1 in Ontario by the Insurance Business Canada magazine. Read more