Working in the landscaping industry you know that hard work, careful planning, and dependable upkeep are required to provide clients with beautiful outdoor environments 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 to the specifics of your landscaping operation, so you can concentrate on running your business.
Make sure your office or shop is protected with business property insurance that fits your specific needs. Your policy should at minimum cover fire, theft and vandalism, as well as liability if a customer or anyone else is injured while on your premises.
Home-based businesses don’t require commercial property insurance, but it’s probably a good idea to talk to your insurance professional to see if you have enough coverage for equipment and supplies related to your business.
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.
Personal auto insurance will not cover you if you are involved in an accident or your vehicle is damaged while on the job.
Every landscaping job has its own set of tools, its own skill set, and its own potential risks and liability exposures. 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:
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.